† Offer only applies to the replacement CIBC Dividend Visa Card transferred from an existing eligible CIBC Tim Hortons Double Double Visa Card account. When you activate and make purchases using your CIBC Dividend Visa Card, you will receive 4% cash back or 2% cash back, depending on your card type (the “Promotional Rate”) on the net purchases posted to your account until April 30, 2020 or $5,000 in total net purchases (equal to $200 or $100 cash back), whichever comes first; after that regular cash back rate(s) applies. Offer is valid until July 31, 2020 for clients who activated their replacement card after April 30, 2020. Regular cash back rate(s) do not apply to purchases to which the Promotional Rate applies. Cash back is earned on card purchases less returns and not on cash advances, interest, fees, balance transfers, payments or CIBC Convenience Cheques. The cash back is accumulated each month and will appear on the primary cardholder’s statement no later than the month after it is earned. Cash back is awarded at the end of the year as a credit on your December statement. This offer is not transferable to another card product or person and cannot be combined with any other offer. Credit card account must be open and in good standing at time the offer is awarded. This offer may be withdrawn or changed without notice at any time. CIBC may, in its sole discretion, revoke this offer if you are believed to be manipulating or abusing it or engaging in any suspicious or fraudulent activity.
‡ If you choose to cancel your credit card account without cost within 30 days of the changes taking effect: (i) you remain responsible for repaying all amounts outstanding on your credit card account on the date of cancellation; and (ii) you will receive cash back rewards you have earned up to the date of cancellation as long as your account is in good standing on the date you cancel.
1 Cash back is earned on a tiered basis on card purchases less returns and not on cash advances, interest, fees, balance transfers, payments or CIBC Convenience Cheques. Cash back is calculated as follows: on the first $6,000 in net annual card purchases excluding grocery on your account, the cash back earned is 0.5%; on amounts greater than $6,000 in net annual purchases excluding grocery, the cash back earned is 1%. Earn 2% cash back on purchases (excluding returns) at merchants classified by the credit card network as grocery stores. All other purchases earn cash back at the regular tiered rate. The 2% cash back offer is only available on the first $6,000 in net annual card purchases at grocery merchants on your account; after that, net card purchases at grocery merchants will earn cash back at 1%. The $6,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchant categories may change without notice. 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 Tim Cash or cash back at a lower rate.
2 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 or, in limited circumstances, at other time as may be permitted by CIBC. 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. For 2020, you will begin accumulating cash back as of the effective date set out in the letter you received in November 2019.
3 CIBC Payment Protector Insurance for Credit Cards is optional creditor's group insurance underwritten by Canadian Premier Life Insurance Company.
4 The CIBC Home and Auto Insurance Program is brought to you by CIBC Insurance Agency Inc. The Program is underwritten and distributed by Certas Direct Insurance Company in Ontario and The Personal Insurance Company in all other provinces and territories except Quebec. In Quebec, the Program is underwritten by The Personal General Insurance Inc. and distributed by CIBC Insurance Agency Inc.
5 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, see cibc.com/creditcardagreements and 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. 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.
6 The "Double Double Special Offers" are meant for primary cardholders who fulfill the required qualifying behaviour to receive the advertised product. A purchase or other qualifying behaviour may be required for these offers. New offers may be introduced at any time. Any offer may be withdrawn or changed without notice at any time.
7 Tim Cash is earned on all CIBC Tim Hortons Double Double Visa Card credit purchases less returns, and not on cash advances, interest, fees, balance transfers, payments, CIBC Convenience Cheques or Tim Cash redemptions. Double Double Visa Card program may change without notice. Taxes, fees and other charges may apply to redemption of Tim Cash. Tim Cash is awarded to the primary cardholder’s TimCard Account immediately upon processing of CIBC Tim Hortons Double Double Visa Card credit purchases, provided that your card is open in good standing at the time of purchase. An amount equal to the Tim Cash earned for credit purchases that are later reversed for returned merchandise, purchase credits or other amounts will be debited from future credit purchases made on your CIBC Tim Hortons Double Double Visa Card.
8 Gift Cards are not refundable. Cards must be present (can be virtual, mobile, or physical) when being used for payment. Your TimCard may only be used for purchases at a participating restaurant. Tim Hortons will replace the remaining balance on a registered card at the time we are notified of the loss by calling 1 866-TIMCARD. This card cannot be redeemed for cash unless required by law. This card does not expire and no dormancy fees will be charged. Use of this card constitutes acceptance of terms and conditions. A complete set is available at timhortons.com.
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Tim Hortons®, Double Double®, Tim Cash® and TimCard® are registered trademarks of Tim Hortons.
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