™1 The rewards calculator tool is only for general illustration purposes; your actual results may differ.
ii. Aeroplan cards
Welcome Bonus applies only in the first year. Aeroplan points will be earned on card purchases less returns, and not on cash advances, CIBC Global Money Transfers™, interest, fees, balance transfers, payments, convenience cheques or Aeroplan point redemptions (as applicable). For the CIBC Aeroplan Visa Infinite Card, bonus rate of 1.5 Aeroplan points on each $1.00 in purchases (net of and/or less returns) on gas, merchants classified as electric vehicle charging with a merchant category code of MCC 5552, grocery and Air Canada purchases is only available on the first $80,000 in net annual card purchases on the account (meaning all card purchases by all cardholders, at any type of merchant); after that net card purchases at gas, merchants classified as electric vehicle charging with a merchant category code of MCC 5552 and grocery merchants or on Air Canada purchases will earn Aeroplan points at the regular rate of 1 Aeroplan point on each $1.00 in purchases (net of and/or less returns). For the CIBC Aeroplan Visa Business Card and CIBC Aeroplan Visa Business Plus Card, bonus rate of 1.5 Aeroplan points on each $1.00 in purchases (net of and/or less returns) on travel, dining, shipping, cable, internet and phone services purchases and bonus rate of 2 Aeroplan points on each $1.00 in purchases (net of and/or less returns) on Air Canada purchases, are only available on the first $80,000 in net annual card purchases on the account (meaning all card purchases by all cardholders, at any type of merchant); after that net card purchases at travel, dining, shipping, cable, internet and phone services merchants or on Air Canada purchases will earn Aeroplan points at the regular rate of 1 Aeroplan point on each $1.00 in purchases (net of and/or less returns). For the CIBC Aeroplan Visa Infinite Privilege Card, bonus rate of 1.5 Aeroplan points on each $1.00 in purchases (net of and/or less return) on gas, merchants classified as electric vehicle charging with a merchant category code of MCC 5552, grocery, travel and dining purchases and bonus rate of 2 Aeroplan points on each $1.00 in purchases (net of and/or less returns) on Air Canada purchases, are only available on the first $100,000 in net annual card purchases on the account (meaning all card purchases by all cardholders, at any type of merchant); after that net card purchases at gas, merchants classified as electric vehicle charging with a merchant category code of MCC 5552, grocery, travel and dining merchants or on Air Canada purchases will earn Aeroplan points at the regular rate of 1.25 Aeroplan points on each $1.00 in purchases (net of and/or less returns). For the CIBC Aeroplan Visa Card, bonus rate of 1 Aeroplan point on each $1.00 in purchases on gas, merchants classified as electric vehicle charging with a merchant category code of MCC 5552, grocery and Air Canada purchases is only available on the first $40,000 in net annual card purchases on the account (meaning all card purchases by all cardholders, at any type of merchant); after that net card purchases at gas, merchants classified as electric vehicle charging with a merchant category code of MCC 5552 and grocery merchants or on Air Canada purchases will earn Aeroplan points at the regular rate of 1 Aeroplan point on each $1.50 in purchases (net of and/or less returns). Bonus rate earned on Air Canada purchases made directly through an Air Canada channel will not earn bonus rate for travel purchases. Terms, conditions and eligible merchant categories may change at any time without notice.
For details about earning and redeeming rewards, the Welcome Bonus and other card benefits, including terms and conditions, review the benefit guides on CIBC Agreements and Insurance. For the full terms and conditions of the Aeroplan program, visit Aeroplan Program Terms and Conditions Opens in a new window..
In case of a discrepancy between the redemption amount shown above and displayed on Air Canada Flight Rewards Chart, the redemption amount displayed on Air Canada Flight Rewards Chart shall apply. To review the chart, go to Aeroplan Flight Reward Chart (PDF, 475 KB) Opens in a new window.. All information is valid at the time of publication and is subject to change.
ii. Aventura cards
Aventura Points are earned on card purchases less returns, and not on cash advances, CIBC Global Money Transfers™, interest, fees, balance transfers, payments, regular CIBC Convenience Cheques or Aventura Points redemptions. Aventura Rewards and Program Terms may change without notice. Taxes, fees and surcharges may apply to Rewards. Aventura Points earned on purchases during a monthly statement period may not be credited to you if your card is not in good standing at any time during the monthly statement period. We may make special offers, including offers to earn Aventura Points on CIBC Global Money Transfers, which may be for a limited period and contain additional terms and conditions.
For CIBC Aventura Visa Infinite Privilege Card, earn 3 Aventura Points for every dollar charged to the card on CIBC Rewards Centre travel purchases other than taxes, insurance, service charges or similar items. Aventura Points are not earned on travel obtained by redeeming Aventura Points. Earn 2 Aventura Points per dollar charged to the card on purchases (excluding returns) at merchants classified in the Visa network as (i) grocery stores and supermarkets, eating places and restaurants, drinking places and fast food restaurants, (ii) gas service stations and automated fuel dispensers, electric vehicle charging with a merchant category code of MCC 5552, 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) entertainment including motion picture theaters, theatrical producers, ticket agencies, bands, orchestras, miscellaneous entertainers. This bonus Aventura Points offer is only available on the first $200,000 in net annual card purchases on your account (meaning all card purchases by all cardholders, at any type of merchant); after that, net annual card purchases at grocery, gas, merchants classified as electric vehicle charging with a merchant category code of MCC 5552, transportation, dining and entertainment merchants will earn Aventura Points at the regular rate. The $200,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchant categories may change without notice.
For CIBC Aventura Visa Infinite Card and CIBC Aventura Gold Visa Card, bonus (double) Aventura Points are earned on each dollar charged to the card on CIBC Rewards Centre travel purchases other than taxes, insurance, service charges or similar items. Aventura Points are not earned on travel obtained by redeeming Aventura Points. Earn 1.5 Aventura Points per dollar charged on purchases (excluding returns) at merchants classified in the credit card network such as grocery stores, service stations or automated gas dispensers, electric vehicle charging with a merchant category code of MCC 5552 or drugstores. This bonus Aventura Points offer is only available on the first $80,000 in net annual card purchases on your account (meaning all card purchases by all cardholders, at any type of merchant); after that, net card purchases at grocery, drugstore and gas merchants and merchants classified as electric vehicle charging with a merchant category code of MCC 5552 will earn Aventura Points at the regular rate. The $80,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchant categories may change without notice.
For CIBC Aventura Visa Card and CIBC Aventura Visa Card for Students, bonus (double) Aventura Points are earned on each dollar charged to the card on CIBC Rewards Centre travel purchases charged to the card other than taxes, insurance, service charges or similar items. Aventura Points are not earned on travel obtained by redeeming Aventura Points. Earn 1 Aventura Point on purchases (excluding returns) at merchants classified in the credit card network as grocery stores, service stations or automated gas dispensers, electric vehicle charging with a merchant category code of MCC 5552 or drug stores. This bonus Aventura Points offer is only available on the first $6,000 in net annual card purchases on your account (meaning purchases by all cardholders) at grocery, drug store and gas merchants and merchants classified as electric vehicle charging with a merchant category code of MCC 5552; after that, net card purchases at grocery, drug store and gas merchants and merchants classified as electric vehicle charging with a merchant category code of MCC 5552 will earn Aventura Points at the regular rate. 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.
For CIBC U.S. Dollar Aventura Gold Visa Card, bonus (double) Aventura Points are earned on each dollar charged to the card on CIBC Rewards Centre travel purchases charged to the card other than taxes, insurance, service charges or similar items. Aventura Points are not earned on travel obtained by redeeming Aventura Points.
For details about earning and redeeming rewards, the Welcome Bonus and other card benefits, including terms and conditions, review the benefit guides on CIBC Agreements and Insurance. All information is valid at the time of publication and is subject to change without notice.
iii Dividend cards
For the Dividend Visa Infinite Card, earn 4% cash back on purchases (less returns) at merchants classified by the credit card network as (i) grocery stores and supermarkets or (ii) gas service stations, automated fuel dispensers and electric vehicle charging with a merchant category code of MCC 5552. Earn 2% cash back on purchases (less returns) at merchants classified by the credit card network as (i) 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), (ii) eating places and restaurants, drinking places and fast food restaurants, or (iii) 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 merchant as recurring. All other purchases earn 1% cash back. The 4% and 2% cash back offers are only available on the first $50,000 in net annual card purchases (meaning all card purchases by all cardholders, at any type of merchant) or $20,000 in net annual card purchases 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 on your account, whichever comes first; 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 1%. The $50,000 limit and the $20,000 limit will reset to zeros after your December Statement Date. Terms, conditions and eligible merchant/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 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.
For the Dividend Visa Platinum Card, earn 3% cash back on purchases (less returns) at merchants classified by the credit card network as (i) grocery stores and supermarkets or (ii) gas service stations, automated fuel dispensers and electric vehicle charging with a merchant category code of MCC 5552. Earn 2% cash back on purchases (less returns) at merchants classified by the credit card network as (i) 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), (ii) eating places and restaurants, drinking places and fast food restaurants, or (iii) 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 merchant as recurring. All other purchases earn 1% cash back. The 3% and 2% cash back offers are only available on the first $30,000 in net annual card purchases (meaning all card purchases by all cardholders, at any type of merchant) or $20,000 in net annual card purchases 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 on your account, whichever comes first; 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 1%. The $30,000 limit and the $20,000 limit will reset to zeros after your December Statement Date. Terms, conditions and eligible merchant/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 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.
For the Dividend Visa card, 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 merchant as recurring. All other purchases earn 0.5% cash back. The 2% and 1% cash offers are only available on the first $30,000 in net annual card purchases (meaning all card purchases by all cardholders, at any type of merchant) or $20,000 in net annual card purchases 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 $30,000 limit and the $20,000 limit will reset to zeros after your December Statement Date. 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 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.
iv. Costco cards
Cash Back Rewards are earned on Card purchases less returns, and not on cash advances, fees, interest, balance transfers, CIBC Global Money Transfers™, payments, CIBC Convenience Cheques or purchases made with the Gift Certificate.
For the CIBC Costco Mastercard, earn 3% on purchases (less returns) at merchants classified in the credit card network as Costco gas stations within Canada and 2% on purchases (less returns) at merchants classified in the credit card network as gas merchants and electric vehicle charging with a merchant category code of MCC 5552 is only available on the first $5,000 net annual card purchases in this category on your account. After that, net card purchases at all gas merchants, including Costco, and electric vehicle charging with a merchant category code of MCC 5552 will earn 1% in Cash Back Rewards. 2% on purchases (less returns) classified in the credit card network as Costco.ca Opens a new window. purchases is only available on the first $8,000 net annual card purchases in this category on your account. After that, net card purchases at Costco.ca Opens a new window. will earn 1% in Cash Back Rewards. Purchases at merchants classified in the credit card network as restaurants will earn 3% and all other qualifying purchases will earn 1% in Cash Back Rewards. The $5,000 and $8,000 limit will reset to zero annually on January 1. Cash Back Rewards will be provided in the form of a Cash Back Gift Certificate issued in Canadian dollars to an eligible Primary Cardholder once per calendar year in January for the cash back earned in the prior calendar year. The Cash Back Gift Certificate can be redeemed for purchases at any Canadian Costco Wholesale warehouse location. Authorized Users on the Account are not issued and cannot redeem Cash Back Gift Certificates. Terms, conditions and eligible merchant categories may change without notice. For more details review the Benefits Guide on CIBC Agreements and Insurance. All information is valid at the time of publication and is subject to change without notice.
For the CIBC Costco Business Mastercard, earn 3% on purchases (less returns) at merchants classified in the credit card network as restaurants on the first $8,000 net annual card purchases in this category on your account. After that, net card purchases at all restaurants, will earn 1% in Cash Back Rewards. Earn 3% on purchases (less returns) at merchants classified in the credit card network as Costco gas stations within Canada and 2% on purchases (less returns) at merchants classified in the credit card network as gas merchant and electric vehicle charging with a merchant category code of MCC 5552 on the first $8,000 net annual card purchases in this category on your account. After that, net card purchases at all gas merchants, including Costco, and electric vehicle charging with a merchant category code of MCC 5552 will earn 1% in Cash Back Rewards. Earn 2% on purchases (less returns) classified in the credit card network as Costco.ca Opens a new window. and Costcobusinesscentre.ca Opens a new window. purchases on the first $8,000 net annual card purchases in this category on your account. After that, net card purchases at Costco.ca Opens a new window. and Costcobusinesscentre.ca Opens a new window. will earn 1% in Cash Back Rewards. Earn 2% on purchases (less returns) classified in the credit card network as shipping and professional services (this refers to eligible insurance premiums, deductibles and claim amounts) on the first $8,000 net annual card purchases in this category on your account. After that, net card purchases at merchants classified in the credit card network as shipping and professional services, will earn 1% in Cash Back Rewards. The $8,000 limits will reset to zero annually on January 1. Cash Back Rewards will be provided in the form of a Cash Back Gift Certificate issued in Canadian dollars to an eligible Primary Cardholder once per calendar year in January for the cash back earned in the prior calendar year. The Cash Back Gift Certificate can be redeemed for purchases at any Canadian Costco Wholesale warehouse location. Authorized Users on the Account are not issued and cannot redeem Cash Back Gift Certificates. Terms, conditions and eligible merchant categories may change without notice. For more details review the Benefits Guide on CIBC Agreements and Insurance. All information is valid at the time of publication and is subject to change without notice.
2 All Aventura Program rewards displayed above are subject to availability. Different CIBC credit cards have different benefits and features, which are disclosed in your Welcome Kit and on cibc.com. Point values displayed for other CIBC credit card reward programs other than the Aventura Rewards Program will differ depending on the credit card product. In order to qualify for the Aventura Rewards set out above, you must have a qualifying CIBC Aventura credit card. To view eligible rewards for your credit card and the corresponding point values, you must sign in to CIBC Rewards Opens in a new window..
Aventura Points can be redeemed for up to 100% of the cost of airfare, subject to maximum ticket price applicable to destination (see Aventura Airline Rewards Chart for more details), as well as (if you have sufficient Aventura Points) for taxes and other charges on airfare purchased through the CIBC Rewards Centre Opens in a new window.. Use of points towards taxes and fees is in addition to the number of points required for the base fare, as outlined on the Aventura Airline Rewards Chart. You must book all flights through the CIBC Rewards Centre. Some taxes and other charges may be collected locally or when you are travelling, and cannot be prepaid; ask an Aventura Travel Assistant for details.
3 Aeroplan points displayed are estimated ranges for one-way or round trip travel, and are for informational purposes only. For travel in high-demand periods, such as a popular time to visit a destination or during a holiday period, the actual price in Aeroplan points might be higher. Aeroplan points required for itineraries combining both Air Canada and partner airline flights may vary. For flight rewards including travel with a partner airline, a partner booking fee will apply. Aeroplan points required for partner airline flight rewards are based on the actual distance flown between origin and destination. Taxes and third-party charges may apply. For full details please visit Aeroplan Program Terms and Conditions Opens in a new window..
4 The rewards calculator tool is only for general illustration purposes; your actual results may differ. Adapta Points are earned on eligible purchases posted to your Credit Card Account, less all returns and credits. Cash advances, CIBC Global Money Transfers™, optional credit card insurance premiums, fees, interest, balance transfers, payments, CIBC Convenience Cheques, adjustments or Adapta Points redemptions are not eligible purchases. You will earn 1 Adapta Point for each whole dollar ($1.00 CAD) on every eligible purchase posted to your Credit Card Account. You will also earn 0.5 bonus Adapta Points for each whole dollar ($1.00 CAD) on every eligible purchase in the 3 Spend Categories with the highest total of net eligible purchases, as determined at the end of each Credit Card Account statement period. Adapta Points and bonus Adapta Points are calculated for each eligible purchase individually. Cents do not earn Adapta Points, bonus Adapta Points or partial Adapta Points. Bonus Adapta Points may only be earned on the first $40,000 in net annual card purchases on your account (meaning all eligible purchases by all cardholders, at any type of merchant). This limit will reset the day after your December Statement Date.
The Spend Categories for which you may earn bonus Adapta Points are: Grocery and Drug Stores, Gas and EV, E-Games and Subscriptions, Clothing, Pet Stores, Transit and Parking, Home Improvement, Health and Beauty, Dining and Drinks, Entertainment, Electronics, Hotels and Motels. Eligible purchases are categorized solely by the Merchant Category Code (“MCC”) used by merchants in the credit card network. CIBC has no control over how merchants are classified in the credit card network or on the MCCs they use. Your eligible purchases may not always be categorized as you expect under the Program. For example, this may happen at large retailers offering very diverse products or services, such as wholesale stores or online retailers, where the MCC used by the merchant may not reflect the type of some or all of the goods you have purchased. CIBC will not change, transfer or recategorize any eligible purchase you have made to a different Spend Category, or issue additional Adapta Points because a purchase is not categorized as you expected. For more information about the Spend Categories and the MCCs they include, please visit: https://www.cibc.com/en/personal-banking/credit-cards/all-credit-cards/adapta-mastercard/merchant-codes.html. Spend Categories and their corresponding MCCs are subject to change, without notice to you.
Adapta Points may only be redeemed by the Primary Cardholder. Your Credit Card Account must be in Good Standing in order to redeem Adapta Points. Adapta Points may be redeemed on CIBC Mobile Banking® and CIBC Online Banking®, or any other method we make available to you from time to time. When you redeem Adapta Points, additional terms and conditions specified at the time of redemption may apply. If it appears that you have sufficient Adapta Points at the time you request Adapta Points to be redeemed, but you in fact do not, you authorize CIBC to do any of the following, regardless of the reason for the deficiency: (a) complete your redemption request, but only for the number of Adapta Points then available in your Adapta Account; or (b) cancel the request. Redemptions are non-refundable, non-reversible and non-transferable.
You may redeem your Adapta Points toward payment of your outstanding credit card balance or toward a recent purchase that was authorized, but that has not yet been posted to your Credit Card Account. You must have a minimum of 1,500 Adapta Points in your Adapta Account to redeem points toward your card balance. Every 1,500 Adapta Points you redeem is equal to a $10 CAD payment to your outstanding credit card balance.
You may redeem your Adapta Points to make payments or contributions toward eligible financial products you hold with CIBC, including your CIBC TFSA, RRSP, Investor's Edge account, line of credit or mortgage. Specific terms and conditions based on the financial product you choose will apply, and will be specified at the time you redeem your Adapta Points. You must have a minimum of 1,200 Adapta Points in your Adapta Account to redeem points toward select CIBC financial products. The eligibility of select CIBC financial products and the terms and conditions to complete the redemption are subject to change, without notice to you. Every 1,200 Adapta Points you redeem is equal to a $10 CAD payment or contribution toward a select CIBC financial product.
5 Cash Back of $10 or more can be redeemed at any time during the year and only by the Primary Cardholder. Authorized Users are not eligible to redeem cash back dollars. Cash back will be credited to the Primary Cardholder’s credit card account within 5 days of the date the redemption request is made. CIBC is not required to credit your cash back balance 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. The minimum cash back redemption amount is $10. You can redeem cash back of less than $10 between December 1 and March 31 each year by calling the CIBC Credit Card Contact Centre.
6 Your CIBC Costco credit card account must be in Good Standing on Dec. 31 and the Primary Cardholder’s Costco membership must also be active on Dec. 31 to be eligible to receive a Cash Back Gift Certificate for rewards earned in that year. For the full Rewards Program terms and conditions, please see the Benefits Guide (PDF, 1.2 MB) Opens in a new window.
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