1 Offer is subject to credit adjudication. You understand that CIBC will conduct a credit check as a part of this application. CIBC reserves the right to withdraw this offer at anytime if any unfavourable change in your financial position or account status has occurred recently or occurs after you accept this offer. Offer does not apply to individuals who have not reached the age of majority in their province/territory of residence or to current CIBC Dividend Platinum® Visa* cardholders.
2 This offer applies to the following eligible cards: and CIBC Dividend Platinum Visa Card. If you apply and are approved for a new eligible card between November 1, 2017 and December 31, 2017, CIBC will rebate the annual fee 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 rebate offer will still apply. If you qualify, the rebate will be awarded to you and will appear as a credit against the applicable annual fee(s) within the first 2 monthly statements. Your new credit card account must be open and in good standing at time the rebate is awarded. This offer is not transferable and cannot be combined with any other offer. This offer does not apply to transfers from another credit card account. This offer may be withdrawn or changed without prior notice at any time. CIBC may, in its sole discretion, disqualify, limit or revoke this offer if you are believed to be abusing or manipulating it, or engaging in any suspicious or fraudulent activity.
3 The 4% cash back offer (the “Offer”) is available to all cardholders who applied and were approved for a CIBC Dividend® Visa Infinite* Card and CIBC Dividend Platinum® Visa* Card between November 1, 2017 and December 31, 2017, (the “Offer Period”), and applies on all net purchases posted to your account for the first 4 statements beginning from your account open date or $5,000 in total purchases (equal to $200 cash back), whichever comes first. Account open date is typically 48 hours after you application is approved as per CIBC’s standard adjudication procedure. Regular cash back rate(s) do not apply to purchases to which the Promotional Rate(s) apply. Cash back is earned on purchases less returns and credits. Non-purchase transactions like interest, fees, and balance transfers do not earn cash back. The cash back is accumulated each month and will appear on your statement no later than the month after it is earned. Cash back is awarded at the end of the year as a credit on the December statement. Credit card account must be open and in good standing at the time the cash back is awarded. Cash back will be credited to the primary cardholder’s account. This offer may be withdrawn or changed without prior notice at any time. CIBC may, in its sole discretion, to disqualify, limit or revoke this offer if you are believed to be abusing or manipulating it, or engaging in any suspicious/fraudulent activity.
4 The CIBC Dividend Platinum® Visa* Card (if you qualify) comes with an annual interest rate of 22.99% for Cash and 19.99% for Purchases. Interest rates may change from time to time with at least 30 days prior notice to primary cardholders. “Purchase” means card purchases less returns and does not include: cash advances, interest, fees, balance transfers, payments and CIBC Convenience Cheques. “Cash” means cash advances, balance transfers and Convenience Cheques. Please refer to the document, “CIBC Credit Card Summary of Annual Interest Rates and Fees” for more details.
5 Earn 4% cash back on purchases (less returns) at merchants classified by the credit card network as grocery stores or service stations or automated gas dispensers. Earn 2% cash back on purchases (less returns) at merchants identified as TELUS or Tim Hortons merchants by the merchant payment terminal. Some TELUS or Tim Hortons locations may be identified as other merchants by the merchant payment terminal. 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 gas, grocery, TELUS or Tim Hortons purchases on your account, whichever comes first; after that, net card purchases at all merchants, including grocery stores, service stations or automatic gas dispensers, TELUS or Tim Hortons 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 or merchant categories may change without notice. Cash back is earned on card purchases less returns and not on cash advances, interest, fees, balance transfers, payments and regular CIBC Convenience Cheques. Deductions of cash back for returns are made at the earn rate applicable at the time the return occurs. 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. The cash back is accumulated each month, beginning with the January Visa statement, and awarded at the end of the year as a credit on the December statement. Credit card account must be open and in good standing at the time the cash back is awarded. Cash back will be credited to the primary cardholder's account.
6 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 www.cibc.com/ca/credit-card/agreements-insurance.html and the insurance certificate(s) in your card package. Some insurance coverage(s) require purchase(s), auto rentals, common carrier fares, hotel/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 for rental vehicles with a MSRP up to $65,000. 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. Out-of-Province Emergency Travel Medical Insurance (TMI) covers the primary cardholder, their spouse and dependent children for the first 15 days of a trip if the primary cardholder and spouse are age 64 or under. Dependent children must be under 21 years of age or under 25 years of age if a full-time student, unless they have a permanent physical or mental impairment. TMI may not cover medical procedures performed without pre-approval. TMI, Trip Cancellation and Trip Interruption Insurance may not cover certain pre-existing health/medical conditions. 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 1 866 363-3338 in Canada, continental U.S. and Hawaii or collect from elsewhere at 905 403-3338.