† This offer applies to the following Eligible Cards: CIBC Dividend® Visa Infinite* Card and CIBC Dividend Platinum® Visa* Card. You can qualify for this offer if you apply and are approved for a new eligible card beginning on March 1, 2023.
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 15% 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 $300 cash back), whichever comes first.
Regular cash back rate(s) do not apply on purchases on which the promotional rate of 15% 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® Visa Infinite* Card and 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 This offer may be withdrawn or changed without prior notice at any time.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 (the primary cardholder) will receive 1 Journie Rewards promo code worth up to $70 plus any applicable taxes. The promo code will provide you with 3X Journie Rewards points (up to maximum of 900 points) plus an additional $0.10 cents per litre discount on gas up to a maximum retail value of $25 at participating locations. The promo code also provides you with 2 free premium car washes (Chevron “The Works”, Pioneer “Ultimate”, Ultramar “Supreme”, Fas Gas “Premium”) at a participating location. For a list of participating Journie Rewards gas stations and car wash locations, visit Journie Rewards Destinations Opens in a new window..
To activate this offer, you must link your new CIBC card with your Journie Rewards account. To receive the Journie benefits included in this offer, you must present your Journie Rewards App or Card and pay with your linked CIBC card at the time of purchase.
You must enter your promo code into the Journie Rewards app or on journie.ca within 60 days of receiving it by email. Your promo code is only valid for 90 days after being entered, subject to maximum thresholds as described above, whichever comes first.
To be eligible to receive the promo code, you must apply and be approved for a new CIBC Aventura® Visa Infinite* Card, CIBC Aventura® Gold Visa* Card, CIBC Aventura® Visa Card, CIBC Dividend® Visa Infinite* Card, CIBC Dividend Platinum® Visa* Card, or CIBC Dividend® Visa Card starting March 1, 2023. You must provide a valid email in your credit card application to receive the code.
The promo code will be emailed to the you within 12 weeks from the date your credit card account is opened. CIBC is not responsible if your promo code is not activated or not received for any reason. No cash reward or other substitutions will be provided. This offer can be combined with other CIBC offers that consist of the Journie Rewards Promo Code. Each CIBC client may receive a maximum of 2 Journie Rewards promo codes.
Credit card account must be open and in good standing at the time the Journie Rewards Promo Code is awarded. Offer applies to newly approved credit card accounts only; transfers from an existing CIBC credit card to a CIBC Aventura® Visa Infinite* Card, CIBC Aventura® Gold Visa* Card, CIBC Aventura® Visa Card, CIBC Dividend® Visa Infinite* Card, CIBC Dividend Platinum® Visa* Card, or CIBC Dividend® Visa Card are excluded. This offer is not transferable or assignable and must be accepted as awarded. 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.
◊ You can qualify for this offer if you apply and are approved for a new CIBC Dividend® Visa* Card beginning March 1, 2023. 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 Earn 4% cash back on purchases, less returns, at merchants classified by the credit card network as grocery stores and supermarkets or gas service stations, automated fuel-dispensers and electric vehicle charging with a merchant category code of MCC 5552. 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 4% 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, merchants classified as electric vehicle charging with a merchant category code of MCC 5552, 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, merchants classified as electric vehicle charging with a merchant category code of MCC 5552, 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 merchants and 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.
2 To participate in this offer, you must have a CIBC Aventura® Visa Infinite* Card, CIBC Aventura® Gold Visa* Card, CIBC Aventura® Visa Card, CIBC Dividend® Visa Infinite* Card, CIBC Dividend Platinum® Visa* Card, or CIBC Dividend® Visa Card.
3 Participating locations include select retail Pioneer, Fas Gas (after Oct 6, 2021), Ultramar and Chevron branded gas stations in Canada. For a full list of participating stations, visit Journie Rewards Opens in a new window..
4 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. Please visit the CIBC and Journie Rewards page for full program terms and conditions.
5 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..
6 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.
7 Interest rates may change from time to time. "Cash" means cash advances, balance transfers and Convenience Cheques.
8 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.
9 Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). 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, go to Agreements and Insurance and review the insurance certificate(s) in your card package. Some insurance coverage(s) require purchase(s), auto rentals, common carrier fares, hotel or motel 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 automobile rentals of up to 48 days. 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 RSA coverages are "excess insurance" (all other sources of insurance and recovery must be exhausted before coverage is available). For more information, call RSA toll-free at 1-866-363-3338Opens your phone app. in Canada, continental U.S and Hawaii or collect from elsewhere at 905-403-3338Opens your phone app.. You can also visit cibccentre.rsagroup.caOpens a new window in your browser..
10 CIBC Travel Medical Insurance is underwritten by Co-operators Life Insurance Company Opens in a new window. (1-800-454-8061 Opens your phone app.) and is administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. This insurance is subject to eligibility conditions, limitations and exclusions (including pre-existing medical condition exclusions), which are contained in the certificate of insurance (PDF, 565 KB) Opens in a new window. you receive following enrollment. For more information call CIBC Travel Insurance at 1-800-281-9109 Opens your phone app..
11 CIBC Payment Protector Insurance for Credit Cards is optional creditor’s group insurance underwritten by Canadian Premier Life Insurance Company under a group policy issued to CIBC as group policyholder.
12 For a limited time, in addition to the 75 points you will receive for registering into JOURNIE Rewards, you will also receive an additional 75 points if you register via the JOURNIE Rewards Mobile App. Points are added instantly, upon completion of registration in the App. This offer applies for new registrations only, and the promotion may be terminated at any time.
™ All of Journie Rewards trademarks are owned by Parkland Fuel Corporation.
™ All of Pioneer’s trademarks are owned by Parkland Fuel Corporation; Pioneer Energy is a licensed user of those trademarks.
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.
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