Here’s how to earn up to $850

STEP 1

STEP 2

$500

+

$100

See complete list of eligible credit cards. Opens a dialog.

$250

Unlock special features and benefits with the CIBC Smart Account

Save on monthly account fees

We offer multiple ways to qualify for a monthly fee rebate on up to 3 CIBC Smart Accountsⓘ, ⓘ.

Get rewarded as you grow

Unlock features and benefits like annual fee rebates on an activeⓘ eligibleⓘ credit card as you move to higher tiers.  

Enjoy unlimited transactionsⓘ, ⓘ

All CIBC Smart Accounts include unlimited transactions.ⓘ, ⓘ

Banking that rewards every stage of your life

As you achieve your financial goals and move through your tiers, you may be eligible for features and benefits including monthly account fee rebates and fee rebates on activeⓘ eligibleⓘ cards.  

Tier 1

$0 to $39,999 in average monthly eligible balances Learn about eligible balances. Opens a dialog.
  • Monthly fee for up to 3 accountsⓘ, ⓘ: $16.95 or $0, monthly fee rebated with an end-of-day account balance of $4,000 each day for that month in one CIBC Smart Account 
  • Transactionsⓘ : Unlimited, including Interac e-Transfer® transactionsⓘ
  • ATM fees: Fee for one non-CIBC ATM withdrawal in Canada is rebated each monthⓘ, ⓘ

Tier 2

$40,000 to $99,999 in average monthly eligible balances Learn about eligible balances. Opens a dialog.
  • All Tier 1 benefits, plus:
  • Monthly fee for up to 3 accountsⓘ, ⓘ: $0 
  • ATM fees: Fees for unlimited non-CIBC ATM withdrawals in Canada, the US and internationally are rebated each monthⓘ 
  • Credit card annual fee rebate: Up to $50 for the primary cardholderⓘ 

Tier 3

$100,000 or more in average monthly eligible balances Learn about eligible balances. Opens a dialog.
  • All Tier 2 benefits, plus:
  • Monthly fee for up to 3 accountsⓘ, ⓘ: $0 
  • Credit card annual fee rebate: Up to $139 for the primary cardholder; up to $50 each for up to 3 authorized usersⓘ

Enjoy your CIBC Smart Account with the right credit card

Digital exclusive offer

Join and earn up to $1,400 in value!ⓘ

Welcome offer

Join and earn up to $350 in valueⓘ including an annual fee rebate

Welcome offer

Join and earn up to $150 in valueⓘ with no annual fee.

Newcomer, student, under 25 or foreign worker?

We have special offers just for you! Learn more about CIBC Smart Account offers for newcomers, students, youths (under 25) and foreign workers.

Refer your friends and family and you’ll each earn $50ⓘ 

Refer up to 50 friends and family members each year. Qualifying actions apply.ⓘ 

Learn more about referring your friends and family.