Earn cash back for no annual fee

Earn cash back for no annual fee

2%

1%

0.5%

CIBC cardholders get exclusive Skip+ benefitsⓘ

Enjoy effortless home delivery and exclusive savings with our new Skip partnership.

12 months free

12-month free trial of Skip+ subscription

Welcome voucher

$15 off 3 Skip orders of $30 or more (up to $45 value)

Preferred monthly fee

Save $3 per month – only $6.99 after your free trial

Show more Skip+ benefits

Save up to 10 cents per litre on gas with CIBC and Journie Rewards

Link and use your eligible CIBC credit card with Journie Rewards to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.ⓘ, ⓘ

Save 3 cents per litre every time you fill up.ⓘ

+

Save 7 cents per litre every time you reach 300 Journie Points.ⓘ

Logos of Journie Rewards, On the Run, Pioneer, Fas Gas, Ultramar, and Chevron.

Maximize your cash back

Get cash back on demand

Earn cash back for sending money globallyⓘ

Annual fee

$0

$0
for each additional card
(3 card maximum)

Interest rate (purchases)

RDS%rate[2].VSDIV.rate(null,null,6,null)(#R#)%ⓘ

(effective the first day of your 2025 August statement period: 21.99%)

Interest rate (cash)

RDS%rate[2].VSDIV.rate(null,null,3,null)(#R#)%ⓘ,ⓘ

RDS%rate[2].VSDIV.Published(null,null,90,null)(#O2#)%ⓘ,ⓘ

(for Quebec residents)

Minimum annual income

$15,000
(household)

Valuable insurance included with your cardⓘ, ⓘ, ⓘ 

A card that’s award-worthy

Best Credit Card No-Fee Cash Back 2025 Milesopedia award logo.