† Cash reward offer begins on February 4, 2025, at 12:01 am ET. Offer available to Canadian residents, and international students, who meet the eligibility requirements for the CIBC Smart Start or CIBC Smart for Students benefit and, from 2022 to the time of opening the account, are not holders or joint holders of a CIBC chequing account, all as determined by CIBC in its sole discretion. To qualify for this offer, open a CIBC Smart Account with Smart Start or Smart for Students benefits. Within 2 months after the month of opening the account, earn a $125 cash reward when you complete 5 Visa Debit purchases within the same calendar month. Eligibility of transactions will be determined by CIBC in its sole discretion. This offer can be combined with the CIBC Student Refer-a-Friend Program. Offer cannot be combined with any other offer, reward or rebate unless otherwise indicated by CIBC. The cash reward will be deposited into your account within 7 months after the month that you have opened the account. Other conditions apply; review the terms and conditions (PDF, 130 KB) Opens a new window..
You can qualify for this offer if you apply and are approved for a new CIBC Dividend® Visa* Card for Students beginning April 15, 2025.
If you apply and are approved for a new CIBC Dividend® Visa* Card for Students, you will receive $25 cash back if you make your first purchase within the first 4 monthly statement periods. Plus, you will receive 10% cash back on the net purchases posted to your account within the first 4 monthly statement periods or $1,000 in total net purchases (equal to $100 cash back), whichever comes first.
Regular cash back rate(s) do not apply on purchases on which the promotional rate of 10% applies. Cash back is earned on purchases less returns and credits. For this offer, the following do not qualify as purchases: cash advances, CIBC Global Money Transfers™, interest, fees, balance transfers, payments or CIBC Convenience Cheques. Promotional cash back will appear on your statement no later than 8 weeks after the end of the fourth monthly statement period.
Cash back is awarded at the end of the year as a credit on your December statement.
Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Dividend® Visa* Card for Students are excluded. This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months. 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 its sole discretion.
The CIBC Best Student Life Bundle cash reward offer begins on July 12 at 12:01AM ET. Offer is available to residents of Canada and international students who: (i) have reached the age of majority in their province or territory of residence, and (ii) do not currently hold a CIBC credit card, CIBC chequing account or CIBC savings account. To qualify for the cash reward, you must apply online for the CIBC Best Student Life bundle and open your first: CIBC eAdvantage Savings Account, CIBC Smart account with either the Smart Start or Smart for Student benefit, and CIBC student credit card. A valid e-mail address must be provided as part of the application. You must: (i) by the end of the second full calendar month after the month the last product in the bundle is opened (the “Qualifying Month”), have a closing balance of least $100 in each of your CIBC Smart account and your CIBC eAdvantage Savings account, and then (ii) maintain a month-end closing balance above $0 for the next two calendar months following the Qualifying Month. Closing balances will be determined based on transactions that have been posted to your account on or before the end of the calendar month. In most cases, transactions completed after 6:00 pm ET or on weekends and holidays will be posted on the next business day. If all offer requirements are met, the $50 cash reward will be credited to your CIBC Smart account directly within two (2) months after the month you completed all offer requirements. Limit of one cash reward per eligible client. All deposit and credit card products must remain open, unconverted, and in good standing at the time the reward is deposited. CIBC reserves the right to end, cancel, change or suspend this offer or change these terms at any time without notice. Offer can be combined with: CIBC Student Refer-a-Friend, CIBC Smart Start & Smart for Student cash reward offers, CIBC eAdvantage Savings Account special interest rate offers, and CIBC credit card cash, Aventura Points, or Aeroplan points welcome offers. This offer cannot be combined with any other offer, reward, or rebate unless otherwise indicated by CIBC.
‡ Cash reward offer begins on February 4, 2025, at 12:01 am ET. Offer available to Canadian residents, and international students, who meet the eligibility requirements for the CIBC Smart Start or CIBC Smart for Students benefit and, from 2022 to the time of opening the account, are not holders or joint holders of a CIBC chequing account, all as determined by CIBC in its sole discretion. To qualify for this offer, open a CIBC Smart Account with Smart Start or Smart for Students benefits. Within 2 months after the month of opening the account, earn a $125 cash reward when you complete 5 Visa Debit purchases within the same calendar month. Eligibility of transactions will be determined by CIBC in its sole discretion. This offer can be combined with the CIBC Student Refer-a-Friend Program. Offer cannot be combined with any other offer, reward or rebate unless otherwise indicated by CIBC. The cash reward will be deposited into your account within 7 months after the month that you have opened the account. Other conditions apply; review the terms and conditions (PDF, 130 KB) Opens a new window..
◇ You can qualify for this offer if you apply and are approved for a new CIBC Dividend® Visa* Card for Students beginning April 15, 2025.
If you apply and are approved for a new CIBC Dividend® Visa* Card for Students, you will receive $25 cash back if you make your first purchase within the first 4 monthly statement periods. Plus, you will receive 10% cash back on the net purchases posted to your account within the first 4 monthly statement periods or $1,000 in total net purchases (equal to $100 cash back), whichever comes first.
Regular cash back rate(s) do not apply on purchases on which the promotional rate of 10% applies. Cash back is earned on purchases less returns and credits. For this offer, the following do not qualify as purchases: cash advances, CIBC Global Money Transfers™, interest, fees, balance transfers, payments or CIBC Convenience Cheques. Promotional cash back will appear on your statement no later than 8 weeks after the end of the fourth monthly statement period.
Cash back is awarded at the end of the year as a credit on your December statement.
Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Dividend® Visa* Card for Students are excluded. This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months. 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 its sole discretion.
†† The CIBC Best Student Life Bundle cash reward offer begins on July 12 at 12:01AM ET. Offer is available to residents of Canada and international students who: (i) have reached the age of majority in their province or territory of residence, and (ii) do not currently hold a CIBC credit card, CIBC chequing account or CIBC savings account. To qualify for the cash reward, you must apply online for the CIBC Best Student Life bundle and open your first: CIBC eAdvantage Savings Account, CIBC Smart account with either the Smart Start or Smart for Student benefit, and CIBC student credit card. A valid e-mail address must be provided as part of the application. You must: (i) by the end of the second full calendar month after the month the last product in the bundle is opened (the “Qualifying Month”), have a closing balance of least $100 in each of your CIBC Smart account and your CIBC eAdvantage Savings account, and then (ii) maintain a month-end closing balance above $0 for the next two calendar months following the Qualifying Month. Closing balances will be determined based on transactions that have been posted to your account on or before the end of the calendar month. In most cases, transactions completed after 6:00 pm ET or on weekends and holidays will be posted on the next business day. If all offer requirements are met, the $50 cash reward will be credited to your CIBC Smart account directly within two (2) months after the month you completed all offer requirements. Limit of one cash reward per eligible client. All deposit and credit card products must remain open, unconverted, and in good standing at the time the reward is deposited. CIBC reserves the right to end, cancel, change or suspend this offer or change these terms at any time without notice. Offer can be combined with: CIBC Student Refer-a-Friend, CIBC Smart Start & Smart for Student cash reward offers, CIBC eAdvantage Savings Account special interest rate offers, and CIBC credit card cash, Aventura Points, or Aeroplan points welcome offers. This offer cannot be combined with any other offer, reward, or rebate unless otherwise indicated by CIBC.
◊◊ This offer is only available to clients opening their first CIBC eAdvantage® Savings Account (“eSA”). Eligible eSAs will earn a special annual interest rate (the “Special Interest Rate”) on balances up to $1,000,000 for 90 days from the date the eSA is opened (“Special Rate Period”). The Special Interest Rate is a combination of the regular interest rate that applies to your eSA balance tier, plus an additional bonus interest rate. Any change to the regular interest rate will result in a corresponding change to the bonus interest rate so that the overall Special Interest Rate will remain the same during the Special Rate Period. Regular interest is calculated daily on each day’s full closing balance and paid monthly to your eSA. Bonus interest is calculated daily on each day’s full closing balance up to a balance limit of $1,000,000 during the Special Rate Period and is paid monthly to your eSA. Both the regular and bonus interest rates are based on the tier your daily closing balance falls within. For current interest rates, visit CIBC’s interest rates page. Interest rates quoted are annual; regular and bonus rates may change at any time without prior notice. Other conditions apply. For full offer details, review the full terms and conditions (PDF, 140 KB) Opens in a new window. or visit a CIBC Banking Centre Opens in a new window..
✦ To be eligible for a free SPC membership, you must hold an eligible CIBC product at the time you register for the membership, which you must do through CIBC online or mobile banking. Eligible CIBC products include a CIBC Youth or Student bank account, Student credit card or Student line of credit. Joint account holders of eligible CIBC products are not eligible for membership. You must also be a legal resident of Canada who is 14 years of age or over, but under the age of 30 years if the eligible CIBC product you use to qualify for the membership is a student line of credit. The membership will automatically renew and remain in effect for as long as you hold an eligible CIBC product. To learn more about eligibility requirements, visit the CIBC and SPC+ partnership page.
◊ CIBC Refer-a-Friend $75 Reward Offer (the “Offer”) is part of the CIBC Refer-a-Friend (Newcomer, Student, Youth) program (the “Program”). Offer begins on March 27, 2025 at 12:01 am (ET) and ends on June 30, 2025 at 11:59 pm (ET) (the “Offer Period”). To be eligible as a referrer (a “Referrer”), individuals must: (i) be residents of Canada, (ii) have reached the age of majority in their province and territory of residence, (iii) hold a CIBC Canadian dollar chequing or savings account that is open, active and in good standing, and (iv) have registered for CIBC mobile or online banking. To be eligible as a friend (a “Friend”), an individual must: (i) from November 1, 2018 to the time of account open, not be a holder (or joint holder) of a CIBC Smart Account as determined by CIBC on the basis of its official records, (ii) have a personal or family relationship with the Referrer, and (iii) meet the eligibility requirements to open a CIBC Smart Account with CIBC Smart for Newcomers, CIBC Smart for Foreign Worker, CIBC Smart for Student or CIBC Smart Start benefits (the “Account”). To qualify to receive a $75 referral reward (the “Reward”), a Referrer must refer a Friend and the Friend must open the Account during the Offer Period and complete all qualifying actions in accordance with the CIBC Refer-a-Friend Program Terms (PDF, 110 KB) Opens in a new window.. Limit of one (1) Reward payable to a Referrer per qualifying Friend and one (1) Reward payable to a qualifying Friend, regardless of how many CIBC Smart accounts are opened by the Friend. Referrer may receive up to fifty (50) Rewards per calendar year. Referrals containing the “Refer and Earn” link must be created and distributed in a personal manner that is appropriate and customary for communications with friends and family members and must not appear to be sent by or on behalf of CIBC. Bulk email distribution, distribution to strangers, or individuals with whom the Referrer does not have a personal or family relationship may be grounds for immediate termination from the referral program, revocation of Rewards and further legal action by CIBC. CIBC reserves the right to end, cancel, change or suspend this Offer or the Program, or change these terms for any reason without notice. Other conditions apply. To learn more, refer to the Refer-a-Friend Program Terms and Conditions (PDF, 110 KB) Opens in a new window..
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✧ In order to participate in the CIBC and Skip+ Program (the “Program”) and be eligible for: (i) a 12-month Skip+ free trial, (ii) a discounted monthly Skip+ subscription fee of $6.99 plus applicable taxes following the end of the 12-month free trial period (while available and subject to change), and (iii) a Skip welcome voucher (up to $45 in value) (collectively, the “Offer”), an eligible CIBC cardholder must actively opt-in to the Program by linking their Eligible Card (as defined below) with their Skip Account (any such Skip Account that is linked to an Eligible Card, a “Linked Account”) through the Skip app or website.
12-month free trial and discounted subscription fee: Upon linking your Eligible Card to your Skip Account through the Skip app or website, Skip will automatically apply a 12-month free trial of Skip+ to your Linked Account. Following the expiry of the 12-month free trial period, your Skip+ subscription will automatically renew at a discounted monthly price of $6.99 plus applicable taxes (while available and subject to change), unless you cancel your subscription earlier or the Program or Offer ends.
Welcome Voucher: Within 48 hours of linking your Eligible Card to your Skip Account, Skip will deliver an email to the email address associated with your Linked Skip Account containing a welcome voucher code. The voucher code can be used at checkout to get $15 off orders of $30 or more (before taxes, tips, and fees) and can be redeemed up to three times (up to $45 in value). The voucher code cannot be used on any orders containing solely alcohol, is non-transferable and is valid for a period of 30 days upon receiving the voucher code email from Skip.
The Program and Offer are valid for orders made using an Eligible Card. In order to be eligible for the Program and Offer benefits, you must use an Eligible Card at checkout. Third party digital wallets (e.g. Apple Pay, Google Pay or Samsung Pay) are excluded from the Program and Offer. The Program and Offer are only valid where Skip is available. Offer has no cash value and may not be altered, bartered, sold, or transferred. No refunds for partial billing periods unless required by applicable law. Taxes, service and delivery fees apply. The Program and Offer are subject to the terms and conditions set out here as well as the Skip+ terms and conditions.
Existing terms of your rewards program, credit card account and debit card continue to apply. 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. CIBC may, in its sole discretion, disqualify, limit, or revoke this Offer if you are believed to be abusing or manipulating it, or engaging in suspicious activity. CIBC is not liable or responsible for any products or services offered, made available or purchased from Skip.
Offer is available to:
CIBC Dividend® Visa Infinite*, CIBC Dividend Platinum® Visa*, CIBC Dividend® Visa*, CIBC Dividend Unlimited World Mastercard®, CIBC Dividend® Visa* Card for Students, CIBC Dividend Unlimited World Elite® Mastercard®, CIBC Aventura® Visa Infinite*, CIBC Aventura® World Mastercard®, CIBC Aventura® World Elite Mastercard®, CIBC Aventura® Visa* Card for Students, CIBC Aventura® Visa Infinite Privilege*, CIBC Aventura® Gold Visa*, CIBC Aventura® Mastercard®, CIBC Aventura® Visa*, CIBC Aventura® Visa* for Business Card, CIBC Aventura® Visa* Card for Business Plus, CIBC Aeroplan® Visa* Card, CIBC Aeroplan® Visa Infinite* Card, CIBC Aeroplan® Visa* Card for Students, CIBC Aeroplan® Visa Infinite Privilege* Card, CIBC Aerogold® Visa* Card, CIBC U.S. Dollar Aventura® Gold Visa*, CIBC Aeroplan® Visa for Business Card, CIBC Aeroplan® Visa Business Plus, CIBC Classic Visa* Card, CIBC Classic Visa* Card for Students, CIBC Corporate Classic Plus Visa* Card, CIBC Costco Mastercard®, CIBC Costco World Mastercard®, CIBC Costco Business Mastercard®, CIBC bizline® Visa* Card, CIBC Select Visa* Card, CIBC Vacationgold® Visa* Card, CIBC Gold Visa* Card, CIBC Advantage Debit Card® or any other eligible credit or debit card, as may be determined by CIBC in its sole discretion from time to time, in good standing (each an “Eligible Card”).
For CIBC Aventura® Visa* Card for Business Plus, CIBC Aeroplan® Visa Business Plus and CIBC Corporate Classic Plus Visa* Card, the Offer can only be redeemed by one Cardholder (as defined under the CIBC Business Credit Card Agreement (Business Liability)).
◆ No purchase necessary. Open January 1 to December 31, 2025 to legal residents of Canada who are 16 years of age or older in their province or territory of residence and have received the permission of a parent or legal guardian and are currently registered students in good standing at an accredited Canadian university, college, CEGEP or high school. One Grand Prize available to be won consisting of: a $8,750 cheque; one 1-year GIC in the amount of $8,750; one 2-year GIC in the amount of $8,750 and one 3-year GIC in the amount of $8,750 (approximate retail value: $35,000). Odds of winning depend on number of entries received. Math skill-testing required.
For more details, review the full contest rules (PDF, 155 KB) Opens a new window.
§ For all servicing questions, billing inquiries, and technical assistance, visit aloSIM support Opens a new window.. CIBC recommends you read and follow the setup instructions, including ensuring your primary SIM is toggled off while traveling to avoid international roaming charges.
✧✧ As part of the Skip+ programme, subscribers are entitled to at least the following loyalty Benefits:
$0 delivery fee on orders placed at participating Partners, subject to a minimum spend of at least $15 (before associated taxes) in order to benefit from the Free Delivery Promotion. Such minimum order value may vary depending on the Partner selected, but will always be shown to you before placing your order on the platform. Participating partners may change at any time.
Discounted service fees: A saving of at least 40% off the regular Services Fees charged. Participating partners only. Participating partners will be identifiable when placing an order through the use of the Skip+ logo. You can check the Service Fee charged by each participating partner in the partner menu. Service Fees in general may vary between partners and locations.
Skip+ Members will be entitled to exclusive and/or priority access to promotions offered by Skip and its partners from time to time, provided you have not opted out of receiving marketing communications from Skip.
Additional promotional benefits, offers and rewards may additionally be made available from time to time, subject to any additional terms published alongside those offers or rewards.
For the full program terms and conditions, please click here Opens in a new window..
1 Once you turn 25, Smart Start benefits will automatically expire and regular Smart Accounts fees will apply unless you are eligible for another type of benefit at that time.
2 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, 300 KB) Opens in a new window..
3 A transaction includes 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 personal bank account(s), to your CIBC Personal Line(s) of Credit and to your CIBC Credit Card account(s). 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). Other fees (in addition to any transaction fee) include: withdrawals from non-CIBC bank machines (rebated for CIBC Smart Plus Accounts except the 2.5% administration fee on the converted amount of foreign currency ATM withdrawals), wire payments, Interac e-Transfer transactions (the Interac e-Transfer fee is waived for CIBC Smart Accounts, CIBC Smart Plus Accounts and for clients who are enrolled in CIBC Advantage for Youth, CIBC Smart for Students, CIBC Smart for Seniors (on the CIBC Smart Account) and CIBC Advantage for Students (on the CIBC Everyday Chequing Account)) and transactions in foreign currency (including cheques written in currencies other than the account currency).
4 Regular interest is calculated daily at the current rate on each day’s full closing balance and paid on the last business day of the month. Your entire account balance earns the rate applicable to the tier your daily closing balance falls within. This interest cannot be withdrawn and will not be printed at branch terminals or bank machines or made available through CIBC Telephone or Online Banking, until the second business day of the following month. Interest rates quoted are annual. Interest rates and balance tiers are subject to change without prior notice. If you have any questions about our interest rates, call 1-800-465-2422 Opens your phone app., or visit a CIBC Banking Centre Opens in a new window..
5 Smart Interest is an interest reward earned on the total account balance in your CIBC eAdvantage® Savings Account(s), up to a maximum aggregate balance limit of $200,000 (“Smart Balance Maximum”), each month in which you save at least $200 (excluding interest earned) across all your account(s) with the same account holders (“Smart Balance Growth”). Smart Interest is calculated daily at the current Smart Interest rate on each day’s full closing balance (up to the Smart Balance Maximum) and paid between the first 5 to 7 business days of the following month. Smart Interest rate quoted is an annual rate. Smart Interest, the Smart Balance Maximum and the Smart Balance Growth amount may change at any time without prior notice. Other conditions apply. Review the full terms and conditions available at cibc.com/smartsavings.
6 Interest rates may change from time to time. "Cash" means cash advances, balance transfers and CIBC Convenience Cheques.
7 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.
8 To be eligible for the maximum credit limit of $5,000, you must have a strong credit score and meet CIBC eligibility and credit criteria requirements. If you do not meet the eligibility and credit criteria requirements for the maximum credit limit of $5,000, you may be approved for a lower credit limit. The final limit assigned is at the discretion of CIBC.
9 To be eligible for the maximum credit limit of $2,000, you must meet CIBC eligibility and credit criteria requirements. If you do not meet the eligibility and credit criteria requirements for the maximum credit limit of $2,000, you may be approved for a lower credit limit. The final limit assigned is at the discretion of CIBC.
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