◊ $100 Skip Gift Card Offer begins on May 22, 2025, at 12:01 a.m. ET and ends on June 23, 2025, at 9:00 p.m. ET (the “Offer Period”). Offer available to Canadian residents who open a CIBC Smart Account or CIBC Smart Plus Account and from January 1, 2022 to the time of opening the account, were not a holder (or joint holder) of a CIBC chequing account, as determined by CIBC at its sole discretion. To qualify for a $100 digital Skip gift card, open a CIBC Smart Account or CIBC Smart Plus Account during the Offer Period and provide your email address. By August 15, 2025, complete five (5) Eligible Visa* Debit purchases (online, in-app, by phone or by mail order). Eligibility of transactions will be determined by CIBC in its sole discretion (see the terms and conditions (PDF, 135 KB) Opens a new window. for definition of Eligible Visa Debit purchases). Offer can be combined with the $450 Offer for New CIBC Chequing Account, the $125 Offer for CIBC Smart Start and CIBC Smart for Students and the CIBC Refer-a-Friend Program (PDF, 110 KB) Opens a new window. . Unless otherwise indicated, this Offer cannot be combined with any other chequing account offer, reward or rebate. The $100 digital Skip gift card will be sent to the email address we have on file for the Eligible Client no later than November 15, 2025. E-mail addresses must be valid and operational at the time of offer fulfillment. By participating in this Offer, you agree to CIBC collecting, using, disclosing and sharing your personal information to administer this Offer. CIBC may share this information with third parties who may be outside of your province or Canada. For more information, please review the CIBC Canada Client Privacy Policy. Our Privacy Policy tells you more about your privacy rights and choices. Limit of one reward per account. Skip gift card Terms Opens a new window. apply. Other conditions apply; review the terms and conditions (PDF, 135 KB) Opens a new window. .
† The New CIBC Chequing Account Offer (the “Offer”) begins on February 4, 2025, at 12:01 a.m. ET. The Offer is open to residents of Canada who: (i) are age 25 and older (if opening a CIBC Smart Account) or have reached the age of majority (if opening a CIBC Smart Plus Account), (ii) from January 1, 2022 to the time of opening their CIBC Smart or CIBC Smart Plus, were not a holder of any CIBC chequing account as determined by CIBC on the basis of its official records, and (iii) are not CIBC employees or retired employees.
To qualify to receive a $450 cash reward, open a CIBC Smart Account or CIBC Smart Plus Account and provide your email address. Within two months of opening the account, set up and execute 1 or more recurring direct deposit(s) totaling $500 or more per month from your employer, government, or your pension, and complete at least 1 of the following 3 activities:
(i) 2 separate recurring pre-authorized debits in the same calendar month;
(ii) 5 eligible Visa Debit purchases in the same calendar month; or
(iii) 2 online bill payments of at least $50 each in the same calendar month.
The direct deposit(s) and the pre-authorized debits must recur either weekly, biweekly, monthly or twice per month and remain in effect for at least 1 year from after the month that the CIBC Smart Account or CIBC Smart Plus Account was opened. Unless otherwise indicated, this offer cannot be combined with any other chequing account offer, rebate, reward, or the CIBC Smart Start or CIBC Smart for Students benefit on the CIBC Smart Account.
Cash reward will be deposited into the qualifying account within 7 months after the month you opened the account. CIBC reserves the right to end, cancel, change or suspend this offer or change these terms for any reason without notice. Other conditions apply; review the terms and conditions (PDF, 165 KB) Opens a new window..
†† The CIBC and Skip+ Program consists of a: (i) 12-month free trial of a Skip+ membership, (ii) Skip welcome voucher, and (iii) discounted Skip+ subscription fee after the trial period ends (collectively, the “Offer”). To participate in the CIBC and Skip+ Program and receive the Offer, an eligible CIBC cardholder must: (i) actively opt-in to the Program by linking their eligible CIBC card with their Skip account through the Skip app or Skip website and (ii) pay using their eligible CIBC card at checkout on eligible Skip+ orders (excluding payments made using a CIBC card through third party digital wallets). Following the end of the 12-month Skip+ free trial period, your Skip+ subscription will automatically renew at $6.99 plus tax per month (while available and subject to change) unless you cancel your subscription earlier or the Program or Offer ends.
Existing terms of your CIBC rewards program, credit card account and debit card continue to apply. Program and Offer subject to Skip+ membership terms and condition. Program may end at any time without notice. Offer may be withdrawn or changed without notice at any time, including without limitation, changes to the discounted monthly Skip+ subscription fee, the welcome voucher and the length of time the discounted monthly Skip+ subscription fee is available. Conditions apply. For full terms and conditions, visit the CIBC and Skip+ partnership page.
◊◊ Savings of over $600 in the first year is based on the following:
- 12-month free trial of Skip+ subscription: calculated as the regular cost of a Skip+ monthly subscription (excluding taxes) times 12 months ($9.99 x 12= $119.88 in value)
- Skip+ subscription savings: calculated as the average savings per order times average order frequency per month times 12 months ($2.72 x 8 x 12= $261.12 in value)
- Bonus Skip Rewards Points: based on the average acceptance value of bonus Skip Rewards Points offers per month times 12 months ($12 x 12= $144 in value)
- Bonus Skip Rewards Points available exclusively to eligible CIBC clients: based on the average acceptance value of bonus Skip Rewards Points offers per month times 12 months ($4 x 12= $48 in value)
- Welcome Voucher: based on the maximum promo code redemption value of $15 dollars for up to 3 orders ($15 x 3= $45 in value)
1 Entire monthly fee is rebated if you maintain a minimum end of day balance of $4,000 each day in this account. For details, review the CIBC Smart Account fee rebate terms and conditions, part of the Personal Account Service Fees (PDF 545 KB) Opens in a new window..
2 A transaction includes cheques, withdrawals, transfers, preauthorized payments, payments (including CIBC-branded loans), bill payments (including CIBC Credit Cards and CIBC Personal Lines of Credit) and debit purchases. Pre-authorized payments and transfers to CIBC-branded loans (excluding CIBC Personal Lines of Credit), mortgages and investments (registered and non-registered) are free. Payments to CIBC-branded mortgages are also free.
A transaction does not include debit purchases (excluding purchases made by pre-authorized payment), including transit fares and passes, made at Canadian public transit authority merchants classified by Interac’s “Merchant Category Code” (MCC) as “Local and Suburban Commuter Passenger Transportation, including ferries”. Debit purchases (excluding pre-authorized payment purchases) made at public transit authority merchants with this classification do not incur an account transaction fee. Debit purchases made at any other merchants offering public transit services are transactions and may incur an account transaction fee depending on the type of account.
For CIBC eAdvantage Savings Accounts, a transaction does not include transfers to your other CIBC personal bank account(s), your CIBC Personal Line(s) of Credit (except Interac e-Transfer service which will be treated as a transaction) and your CIBC Credit Card account(s).
“CIBC-branded” means any brand that has CIBC in its name and is offered by CIBC or its Canadian affiliates (and does not include CIBC Bank USA).
3 The additional $1.50 service fee is waived for sending Interac e-Transfer transactions. Each Interac e-Transfer transaction you send counts as a transaction for calculating your monthly fee. Maximum dollar amount applies for Interac e-Transfer transactions. For details, review the. CIBC Interac e-Transfer Terms and Conditions (PDF, 190 KB) Opens in a new window..
4 Visa* Debit transactions are any transactions which can be done online, by phone or by mail at participating retailers or at stores in the U.S. and internationally wherever Visa is accepted.
5 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. Please visit cibc.com/journie for full program terms and conditions.
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, up to a maximum of 100 litres. Such fuel purchase must be made within 30 days, or the discount will expire. Once you pass 300 points, your balance will reset and start counting toward 300 points and your next Fuel Discount. Visit journie.ca Opens in a new window. for more details.
Participating locations include select retail Chevron, Pioneer or Ultramar branded gas stations in Canada. For a full list of participating stations, visit Journie Rewards Opens in a new window..
™ 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.
6 All Paymi rewards are provided by Paymi and not CIBC. Paymi terms and conditions apply, visit www.paymi.com Opens in a new window.. Paymi cash back rewards can only be earned on eligible cards and offer related purchases with the payment card(s) linked to your Paymi.com account, or by clicking through the link to a merchant website as directed in Paymi’s member offer web and app pages. Read the information on all offers in Paymi’s member offer web and app pages for full details on cash back eligibility. Eligible card details found at www.cibc.com/en/special-offers/paymi.html. Offer related purchases are purchases made in response to a merchant offer made to you via the Paymi platform. The purchases must be made within the offer period specified on Paymi’s member offer web and app pages to be eligible for cash rewards. Offers expire at midnight on the offer end date specified. If an offer related purchase is canceled or returned for a full refund, the Paymi.com incentive rewarded will be deducted. If a portion of the offer related purchase is returned, the Paymi.com incentive awarded will be reduced proportionately in relation to the return amount of the purchase. Redemption of the cash back rewards is facilitated through Paymi.com through Interac e-Transfer.
Paymi is owned and operated by Integrated Rewards Inc.
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