† 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 This offer may be withdrawn or changed without prior notice at any time. If you have opened, transferred or cancelled another eligible card within the last 12 months, we may approve your application, but you may not receive this offer. 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. 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.
◊ 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. A complete list of eligible CIBC products can be found at SPC and CIBC. Joint account holders of eligible CIBC products are not eligible for membership. You must also be a legal resident of Canada who is fourteen (14) years of age or over, but under the age of thirty (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.
Trade-mark/registered trade-mark of Student Price Card Ltd.
†† NO PURCHASE NECESSARY. Open January 1, 2023 to December 31, 2023 to legal residents of Canada who are sixteen (16) years of age or older and are current students of an accredited Canadian university, college or secondary school. One (1) Grand Prize available to be won consisting of: one (1) cheque for $8,750 made payable to the winner; one (1) 1-year GIC for $8,750 opened in the winner’s name; one (1) 2-year GIC for $8,750 opened in the winner’s name, and one (1) 3-year GIC for $8,750 opened in the winner’s name. Odds of winning depend on number of eligible entries received. Math skill-testing question required. Full Contest Rules (PDF, 170 KB) Opens in a new window.
◊◊ 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.
✦ 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)).
✧ 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 a new window..
1 Until age 25 and then regular Smart Account fees will apply.
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, 135 KB) Opens a new window..
3 CIBC will rebate one non-CIBC ATM withdrawal fee charge; charges from the other financial institution may apply.
4 Earn 2% cash back on purchases (less returns) at merchants classified by the credit card network as grocery stores and supermarkets. Earn 1% cash back on purchases (less returns) at merchants classified by the credit card network as (i) gas service stations, automated fuel dispensers and electric vehicle charging with a merchant category code of MCC 5552, (ii) local and suburban commuter transportation in Canada including subway, streetcar, taxi, limousine and ride sharing services (excludes merchants that may be classified as travel services or travel bookings such as air transport, car rentals and cruises), (iii) eating places and restaurants, drinking places and fast food restaurants, or (iv) recurring payments that are pre-authorized with a merchant to occur on a regular schedule (e.g. daily, monthly or annually) and classified by the merchants as recurring. All other purchases earn 0.5% cash back. The 2% and 1% cash 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 grocery stores, supermarkets, gas, service stations and automated fuel dispensers, merchants classified as electric vehicle charging with a merchant category code of MCC 5552, commuter transportation, eating and drinking places and restaurants or on recurring payments, after that, net card purchases at all merchants, including grocery stores, supermarkets, gas, service stations and automated fuel dispensers, merchants classified as electric vehicle charging with a merchant category code of MCC 5552, commuter transportation, eating and drinking places and restaurants or on recurring payments will earn cash back at the regular rate of 0.5%. The $80,000 limit and the $20,000 limit will reset to 0 after the day your December statement is printed. Terms, conditions and eligible merchant categories may change without notice. Cash back is earned on card purchases less returns and not on cash advances, CIBC Global Money Transfers™, 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 there turn may relate to a purchase that earned cash back at a lower rate. We may make special offers, including offers to earn cash back on CIBC Global Money Transfers, which may be for a limited period and contain additional terms and conditions.
The cash back is accumulated each month, beginning with the January statement and ending with the December statement. Only Primary Cardholders are permitted to make a cash back redemption. Authorized Users are not eligible to redeem cash back dollars. The Primary Cardholder may redeem cash back at any time during the year provided they have a minimum cash back balance of $25 at the time the redemption request is made. The minimum cash back redemption amount is $25. Cash back will be credited to the Primary Cardholder’s account within 5 days of the date the redemption request is made. Any cash back amount that is not redeemed by the Primary Cardholder by the last day of the period covered by your December statement will be automatically redeemed, resulting in your cash back balance being reset to 0, and applied as a credit on your next statement, or, in limited circumstances, at such other time as may be permitted by CIBC. CIBC is not required to credit your account with cash back earned during a monthly statement period if your credit card account is not open and in good standing at any time during a monthly statement period. Credit card account must also be open and in good standing at the time the cash back is redeemed.
5 Eligible clients must have CIBC Smart™ Start with their deposit account and a CIBC Investor’s Edge account to receive unlimited commission-free trading for North American online equity and ETF trades in an eligible CIBC Investor’s Edge account and a waiver of annual account administration fees, until the last day of the year in which the client reaches age 24. View the detailed terms and conditions of the offer (PDF, 100 KB) Opens in a new window..
6 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.
7 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.
CIBC Investor’s Edge is a division of CIBC Investor Services Inc. and a subsidiary of CIBC.
Interac is a registered trade-mark of Interac Corp. Used under licence.
Interac e-Transfer is a registered trade-mark of Interac Corp. Used under licence.
Trademarks
