† Offer begins on February 29, 2020, at 12:01 am ET and ends on September 30, 2020, at 11:59 pm ET. Offer available to Canadian residents who have reached the age of majority and who are not holders or joint holders of a CIBC chequing account. To qualify, open a CIBC Smart™ Account for Newcomers and provide your email address. Within 3 months of opening the account, set up and complete on a recurring basis each month at least one (1) eligible direct deposit OR at least two (2) different eligible pre-authorized debits. Offer cannot be combined with any other offer, reward or rebate unless otherwise indicated. The cash reward will be deposited into your account seven (7) months after you have completed the required transactions. Other conditions apply; review the terms and conditions (PDF, 35 KB) Opens a new window in your browser..
‡ Offer available on CIBC Smart™ Accounts for those who have received landed immigrant status in the last 5 years. Monthly account fee is rebated for one year after which regular monthly account fees apply without notice.
◇ This offer applies to the following eligible cards: CIBC Aventura Visa Infinite and CIBC Aventura Gold Visa Card.
You can qualify for this offer if you apply and are approved for a new eligible card beginning June 2, 2020.
If you apply and are approved for a new eligible card, you can receive:
i. A welcome bonus of up to 20,000 Aventura Points
The 20,000 Aventura Points will appear on your statement as follows:
i. Welcome bonus of 15,000 Aventura Points when you make your first purchase
ii. Additional bonus of 5,000 Aventura Points when you spend $3,000 or more during the first 4 monthly statement periods
You receive a one-time annual fee rebate for you, the primary cardholder, and up to 3 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 annual fee rebate offer will apply in the amount of the annual fee, if any, of the alternate card. If you qualify, the rebate will be awarded to you and will appear as a credit against the applicable annual fee(s) within 2 statements. Your new credit card account must be open and in good standing at time the rebate is awarded.
Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Aventura Visa Infinite Card or CIBC Aventura Gold Visa Card are excluded. Card account must be open and in good standing at the time the bonus Aventura Points are awarded. Aventura Points are awarded to you within 8 weeks after all qualifying purchase(s) are posted to your account. The following do not qualify as purchases: cash advances, balance transfers, CIBC Convenience Cheques, fees, interest, Aventura Points redemptions and payments. It may take up to several business days for purchases to be posted to your account. This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. This offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in our sole discretion.
†† This offer applies to the following Eligible Cards: CIBC Dividend Visa Infinite Card and CIBC Dividend Platinum Visa Card.
You can qualify for this offer if you apply and are approved for a new eligible card beginning June 2, 2020.
Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Dividend Visa Infinite Card and CIBC Dividend Platinum Visa Card are excluded. This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. This offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in our sole discretion.
You receive a one-time annual fee rebate for you, the primary cardholder, and up to 3 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 annual fee rebate offer will apply in the amount of the annual fee, if any, of the alternate card. If you qualify, the rebate will be awarded to you and will appear as a credit against the applicable annual fee(s) within 2 statements. Your new credit card account must be open and in good standing at time the rebate is awarded.
◊◊ Offer available for mortgage loans for first time home buyers, mortgage loans for new purchase, mortgage loans transferred in to CIBC from another financial institution and funded within 120 days of application date.
Mortgage loan must have a principal amount of $100,000 or more and be either a CIBC Fixed-Rate Closed Mortgage loan with a term of 3 years or more or a CIBC Variable Flex Mortgage loan and mortgage must fund within 120 days of application date. You must have a personal CIBC chequing account and pre-authorized mortgage payments must come from a CIBC account. Qualifying clients will receive $3,000 on a mortgage loan amount of $750,000 or more, $2,000 on a mortgage loan of $500,000 to 749,999, $1,200 on a mortgage loan of $300,000 to $499,999, or $1,000 on a mortgage loan of $100,000 to $299,999. Cash back will be deposited in the personal CIBC chequing account 6 to 8 weeks after funding. Other conditions and restrictions apply. Ask us for details. Offer ends June 30, 2020. Offer subject to credit approval and may be changed or withdrawn at any time, without notice.
If you have an eligible high ratio mortgage, you may also qualify for a special low rate. Talk to us to find out how.
✦ If you have a CIBC personal bank account, like a savings, chequing or a personal line of credit, but haven’t yet tried CIBC Global Money Transfer (“GMT”), request a GMT transfer and you’ll receive 50 CAD in your CIBC account in 4 to 6 weeks.
If you don’t have a CIBC personal bank account, open a new CIBC personal bank account, like a savings, chequing or a personal line of credit, and make a CIBC Global Money Transfer within 60 days after the account opening and you’ll receive 50 CAD in your new account in 4 to 6 weeks. CIBC may cancel or change the offer at any time without notice.
1 A transaction includes everyday banking transactions such as cheques, withdrawals, transfers, pre-authorized payments, bill payments (including CIBC Credit Cards and CIBC Personal Lines of Credit) and debit purchases. For CIBC eAdvantage® Savings Accounts, a transaction does not include transfers to your other CIBC bank account(s) using the transfer function on CIBC Online Banking®, CIBC Mobile Banking®, CIBC Telephone Banking and at CIBC ATMs. For all accounts, transfers to CIBC-branded loans (excluding CIBC Personal Lines of Credit), mortgages and investments (registered and non-registered) are free. "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). Additional fee(s) apply to wire payments, withdrawals from non-CIBC bank machines, Interac e-Transfer® transactions and transactions in foreign currency (including cheques written in currencies other than the account currency).
2 Entire monthly fee is waived if you maintain a minimum end of day balance of $3,000 each day and a recurring direct deposit or 2 pre-authorized payments each month in this account. For details, review the CIBC Smart Account fee waiver terms and conditions, part of the Personal Account Service Fees (PDF, 680 KB) Opens a new window in your browser..
3 This offer applies only to new Safety Deposit Boxes (where available), rented to Newcomers who also open a new CIBC chequing account. The prorated annual Safety Deposit Box fee plus taxes is due when the Safety Deposit Box is first rented; the regular annual Safety Deposit Box fee plus taxes will be collected in January of each year. The customer will be reimbursed the cost of a small Safety Deposit Box rental (up to $60 plus tax) into their CIBC chequing account within approximately one to four weeks of the box being rented. This cannot be combined with any other Safety Deposit Box offer.
4 Interest rates will change from time to time on at least 30 days prior notice to the primary cardholder. "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 transfer and CIBC Convenience Cheques.
5 Cash advances do not earn cash back. Cash advances bear interest from the date they are taken from your credit card account and are subject to available credit and available cash.
6 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 Tim Hortons or TELUS merchants by the merchant payment terminal. Some Tim Hortons and TELUS 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, Tim Hortons or TELUS purchases on your account, whichever comes first; after that, net card purchases at all merchants, including grocery stores, service stations and automatic gas dispensers, Tim Hortons or TELUS 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 merchants and 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. 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. Cash 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 such 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.
Trademarks
