For complete details, including the definition of the capitalized terms used in the disclosures, refer to the CIBC and Journie Rewards Program Terms and Conditions (PDF, 145 KB) Opens a new window in your browser..
† This offer applies to the CIBC Dividend Platinum® Visa* Card. You can qualify for this offer if you apply and are approved for a new eligible card beginning on November 1, 2022.
This is a digital-exclusive offer. To be eligible for this offer, you must apply for a new eligible card using the “Apply Now” link available on this webpage.
If you apply and are approved for a new eligible card, you will receive 10% cash back on the net purchases posted to your account within the first 4 monthly statement periods or $2,500 in total net purchases (equal to $250 cash back), whichever comes first.
Regular cash back rate(s) do not apply on purchases on which the promotional rate of 10% applies. Cash back is earned on purchases less returns and credits. For this offer, the following do not qualify as purchases: cash advances, CIBC Global Money Transfers™, interest, fees, balance transfers, payments or CIBC Convenience Cheques. Promotional cash back will appear on your statement no later than 8 weeks after the end of the fourth monthly statement period.
Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Dividend Platinum® Visa* Card are excluded. This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. This offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion.
A one-time annual fee rebate for you (the primary cardholder) and up to three authorized users added at the time of the application. This offer does not apply to annual fees for authorized users that are added after you submit your application. This offer applies for the first year only. If your application for an eligible card is not approved, you may be considered for another card (as disclosed in your credit card application). If you are approved for that card, this annual fee rebate offer will apply in the amount of the annual fee, if any, of the alternate card. If you qualify, the rebate will be awarded to you and will appear as a credit against the applicable annual fee(s) within two statements. Your new credit card account must be open and in good standing at time the rebate is awarded.
The cash back is accumulated each month, beginning with the January statement and ending with the December statement. Only Primary Cardholders are permitted to make a cash back redemption. Authorized Users are not eligible to redeem cash back dollars. The Primary Cardholder may redeem cash back at any time during the year provided they have a minimum cash back balance of $25 at the time the redemption request is made. The minimum cash back redemption amount is $25. Cash back will be credited to the Primary Cardholder’s account within 5 days of the date the redemption request is made. Any cash back amount that is not redeemed by the Primary Cardholder by the last day of the period covered by your December statement will be automatically redeemed, resulting in your cash back balance being reset to zero, and applied as a credit on your next statement, or, in limited circumstances, at such other time as may be permitted by CIBC. CIBC is not required to credit your account with cash back earned during a monthly statement period if your credit card account is not open and in good standing at any time during a monthly statement period. Credit card account must also be open and in good standing at the time the cash back is redeemed.
◊ You can qualify for this offer if you apply and are approved for a new CIBC Dividend® Visa* Card beginning March 14, 2022. If you apply and are approved for the new eligible card, you will receive 5% cash back on the net purchases posted to your account within the first 4 monthly statement periods or $2,000 in total net purchases (equal to $100 cash back), whichever comes first.
Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Dividend® Visa* Card are excluded. This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. This offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion.
The cash back is accumulated each month, beginning with the January statement and ending with the December statement. Only Primary Cardholders are permitted to make a cash back redemption. Authorized Users are not eligible to redeem cash back dollars. The Primary Cardholder may redeem cash back at any time during the year provided they have a minimum cash back balance of $25 at the time the redemption request is made. The minimum cash back redemption amount is $25. Cash back will be credited to the Primary Cardholder’s account within 5 days of the date the redemption request is made. Any cash back amount that is not redeemed by the Primary Cardholder by the last day of the period covered by your December statement will be automatically redeemed, resulting in your cash back balance being reset to zero, and applied as a credit on your next statement, or, in limited circumstances, at such other time as may be permitted by CIBC. CIBC is not required to credit your account with cash back earned during a monthly statement period if your credit card account is not open and in good standing at any time during a monthly statement period. Credit card account must also be open and in good standing at the time the cash back is redeemed.
Regular cash back rate(s) do not apply on purchases on which the promotional rate of 5% applies. Cash back is earned on purchases less returns and credits. For this offer, the following do not qualify as purchases: cash advances, CIBC Global Money Transfers™, interest, fees, balance transfers, payments or CIBC Convenience Cheques. The cash back is accumulated each month and will appear on your statement no later than the month after it is earned.
1 You will save three cents ($0.03) per litre at the time of your purchase if you present your Journie Rewards card or app and use your linked CIBC card to pay. Available at participating locations on any grade of gasoline or diesel up to 100 litres per transaction. To get the discount, you must be enrolled in and use CIBC Online Banking® or the CIBC Mobile Banking® App to link your eligible CIBC card(s) to Journie Rewards. Card linking may take up to two (2) business days. To participate in this offer, you must have a CIBC debit card or personal credit card issued by CIBC. All Simplii cards are excluded.
Once your Journie Rewards account has reached three hundred (300) Journie Points, you will automatically save an additional seven cents ($0.07) per litre on your next fuel purchase transaction made within 30 days, up to a maximum of 100 litres. Once you pass 300 points, your balance will reset and start counting toward 300 points and your next seven cents ($0.07) fuel discount. For more details, visit journie.ca Opens in a new window..
2 Participating locations include select retail Pioneer, Fas Gas (after Oct 6, 2021), Ultramar or Chevron branded gas stations in Canada. For a full list of participating stations, visit Journie Rewards Opens a new window in your browser..
3 From time to time, the Participant may be offered “carbon offsets” as a Second Reward (an “Offset Reward”). If the Participant selects an Offset Reward, Parkland will purchase offset credits (or contribute to a portion of a credit) valued at the approximate cost of other typically offered Second Rewards. Parkland may purchase offsets in monthly batches (or at other time intervals) after compiling the Offset Rewards selected by all customers during a period. At Parkland’s sole option, offsets will be purchased from projects that produce offsets, on the open market, or through other sources. All offsets will be purchased and retired by Parkland. Participants will not receive title to any individual offsets. Offsets purchased pursuant to Offset Rewards may be reported by Parkland, including on its website and in its annual ESG report, as progress toward emissions reduction targets set internally and/or committed to externally by Parkland. Parkland has no obligation to offer Offset Rewards or to continue to do so, and may cease to offer Offset Rewards at any time at its sole discretion.
4 Bonus Point offer valid for limited time. 150 Journie Rewards points will be added to your registered Journie Rewards account when you link your eligible CIBC debit and credit cards. Linking bonus is only issued one time per customer.
5 Earn 3% cash back on purchases, less returns, at merchants classified by the credit card network as grocery stores and supermarkets, or gas service stations and automated fuel-dispensers. Earn 2% cash back on purchases, less returns, at merchants classified by the credit card network as (i) local and suburban commuter transportation in Canada, including subway, streetcar, taxi, limousine and ride-sharing services (excludes merchants that may be classified as travel services or travel bookings such as air transport, car rentals and cruises), (ii) eating places and restaurants, drinking places and fast food restaurants, or (iii) recurring payments that are pre-authorized with a merchant to occur on a regular daily, monthly or annual schedule and classified by the merchants as recurring. All other purchases earn 1% cash back. The 3% and 2% cash-back offers are only available on the first $80,000 in net annual card purchases, meaning all card purchases by all cardholders, at any type of merchant, or $20,000 on grocery stores, supermarkets, gas service stations and automated fuel-dispensers, commuter transportation, eating and drinking places and restaurants, or on recurring payments on your account, whichever comes first; after that, net card purchases at all merchants, including grocery stores, supermarkets, gas service stations and automated fuel-dispensers, commuter transportation, eating and drinking places and restaurants, or on recurring payments will earn cash back at the regular rate of 1%. The $80,000 limit and the $20,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchant/merchant categories may change without notice. Cash back is earned on card purchases less returns and not on cash advances, CIBC Global Money Transfers™, interest, fees, balance transfers, payments or CIBC Convenience Cheques. Credits for returns made on your account may result in a deduction of cash back at a higher earn rate, even though the return may relate to a purchase that earned cash back at a lower rate. We may make special offers, including offers to earn cash back on CIBC Global Money Transfers, which may be for a limited period and contain additional terms and conditions.
6 Interest rates will change from time to time on at least 30 days prior notice to the primary cardholder. “Purchase” means card purchases less returns and does not include: cash advances, interest, fees, balance transfers, payments, or CIBC Convenience Cheques. "Cash" means cash advances, balance transfers and Convenience Cheques.
7 Cash advances do not earn cash back. Cash advances bear interest from the date they are taken from your credit card account and are subject to available credit and available cash.
8 Insurance coverage(s) included with CIBC credit cards is underwritten by Royal and Sun Alliance Insurance Company of Canada. You may contact the insurer at 1-866-363-3338 Opens your phone app. in Canada and the U.S. or collect from elsewhere at 905-403-3338 Opens your phone app.. You can also visit CIBC Cards Insurance Benefits Opens in a new window.. Different cards will have different coverage(s). To learn about which coverage(s) are included with a specific card, and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, review the insurance certificate(s) in your card package or visit CIBC Agreements and Insurance. Some insurance coverage(s) require purchase(s), car rentals, common carrier fares and other trip costs to be charged to the card to activate coverage. Other conditions may also apply. Auto Rental Collision/Loss Damage Insurance (CLDI) is available for a rental period of up to 48 days for rental cars with a MSRP of up to $65,000 CA. The full cost of the rental must be charged to the card and the rental agency's Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) must be declined. CLDI provides coverage up to the actual cash value (ACV) of the rental vehicle as defined in your insurance certificate. Note that some rental agencies may assess their damages at an amount greater than the ACV of the rental vehicle and you may be liable to them for the difference. Before declining the rental agency's CDW or LDW, you should read carefully and compare the terms of the rental agreement, the CLDI insurance certificate in your card package and any other insurance you own to decide which coverage best meets your protection needs. Certain coverages are "excess insurance" (all other sources of insurance and recovery must be exhausted before coverage is available).
9 Earn 2% cash back on purchases, less returns, at merchants classified by the credit card network as grocery stores and supermarkets. Earn 1% cash back on purchases, less returns, at merchants classified by the credit card network as (i) gas service stations and automated fuel-dispensers, (ii) local and suburban commuter transportation in Canada, including subway, streetcar, taxi, limousine and ride-sharing services (excludes merchants that may be classified as travel services or travel bookings such as air transport, car rentals and cruises), (iii) eating places and restaurants, drinking places and fast food restaurants, or (iv) recurring payments that are pre-authorized with a merchant to occur on a regular daily, monthly or annual schedule and classified by the merchants as recurring. All other purchases earn 0.5% cash back. The 2% and 1% cash offers are only available on the first $80,000 in net annual card purchases, meaning all card purchases by all cardholders, at any type of merchant, or $20,000 on grocery stores, supermarkets, gas, service stations and automated fuel-dispensers, commuter transportation, eating and drinking places and restaurants, or on recurring payments; after that, net card purchases at all merchants, including grocery stores, supermarkets, gas, service stations and automated fuel-dispensers, commuter transportation, eating and drinking places and restaurants or on recurring payments will earn cash back at the regular rate of 0.5%. The $80,000 limit and the $20,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchant categories may change without notice.
Cash back is earned on card purchases less returns and not on cash advances, CIBC Global Money Transfers™, interest, fees, balance transfers, payments and regular CIBC Convenience Cheques. Credits for returns made on your account may result in a deduction of cash back at a higher earn rate, even though the return may relate to a purchase that earned cash back at a lower rate. We may make special offers, including offers to earn cash back on CIBC Global Money Transfers, which may be for a limited period and contain additional terms and conditions.
™ All of Journie Rewards trademarks are owned by Parkland Corporation.
™ All of Pioneer’s trademarks are owned by Parkland Corporation.
™ Ultramar is a registered trademark of Valero Energy Inc., used under license.
CHEVRON is a registered trademark of Chevron Intellectual Property LLC, used under license.
Trademarks
