♢ The Offer begins July 1, 2025 and ends June 30, 2026. You must have a CIBC SmartTM Account for Newcomers to be eligible. Free Trade Offer applies to new eligible account(s) during the Offer Period online or by visiting a CIBC Banking Centre using promo code EDGENC25. 100 commission-free online stock and ETF trades will be added to your account upon its opening. Any unused free trades will expire within 2 years from the date your account is opened and can’t be transferred to another CIBC Investor’s Edge account or used after the expiry date. Eligible account types include Tax-Free Savings Account (TFSA), Registered Retirement Savings Plan (RRSP), First Home Savings Account (FHSA), Non-registered account (personal) and Registered Retirement Income Fund (RRIF), For full Offer details, review the terms and conditions (PDF, 40 KB) Opens a new window..
† The CIBC Smart Account and Credit Card Offer (the “Offer”) begins on January 22, 2026 at 12:01 a.m. ET and ends on May 13, 2026 at 9:00 p.m. (ET) (the “Offer Period”). The Offer consists of two rewards: (a) a $500 cash reward, and (b) a $100 cash reward (which can be earned separately or combined). The Offer is open to residents of Canada who: (i) are age 25 and older, (ii) not a holder (or joint holder) of a CIBC chequing account at any time within the past 5 years, and (iii) are not CIBC employees or retired employees. To be eligible for the $100 cash reward, in addition to the foregoing criteria, you must not have not been a primary cardholder of any CIBC credit card during the 5 years before opening your new eligible credit card account.
To qualify to receive a $500 cash reward, open a CIBC Smart Account during the Offer Period and provide your email address. Within 60 days of opening the account, set up and execute 1 recurring direct deposit of at least $500 or more per month from your employer, government, or your pension, and complete at least 1 of the following 3 activities:
(i) 2 separate recurring pre-authorized debits in the same calendar month;
(ii) 5 eligible Visa Debit purchases in the same calendar month; or
(iii) 2 online bill payments of at least $50 each in the same calendar month.
To qualify for the $100 cash reward, open a CIBC Smart Account during the Offer Period and provide your email address. Within 30 days from the date of opening the CIBC Smart Account, apply for and be approved for an eligible CIBC credit card (review offer terms and conditions (PDF, 155 KB) Opens a new window. for list of eligible cards). Within 60 days of opening the CIBC Smart Account, set up and execute 1 recurring direct deposit of at least $500 or more per month from your employer, government, or your pension.
All direct deposit(s) and pre-authorized debits required to qualify for this Offer must recur either weekly, biweekly, monthly or twice per month and remain in effect for at least 1 year starting the month after the CIBC Smart Account was opened.
Unless otherwise indicated, this offer cannot be combined with any other chequing account offer, rebate, reward, or the CIBC Smart Start or CIBC Smart for Students benefit on the CIBC Smart account.
The $500 cash reward will be deposited into the qualifying CIBC Smart Account within 7 months after the month you opened the account and the $100 cash reward will be deposited into the qualifying CIBC Smart Account within 9 months after the month you opened the account. CIBC reserves the right to end, cancel, change or suspend this offer or change these terms for any reason without notice. Other conditions apply; review the terms and conditions (PDF, 155 KB) Opens a new window..
‡ The CIBC Smart™ Account for Newcomers is offered to those who have received landed immigrant or permanent resident status in the last 5 years, or those who are temporary resident workers who have a Canadian work permit issued for at least a 12-month term. Must show proof of entry into Canada and provide supporting documents such as landing papers, permanent resident card or Canadian work permit (IMM 1442). Monthly account fee is rebated for two years after which regular monthly account fees apply without notice.
†† 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 Opens a new window.. 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.
✦ The CIBC and Skip+ Program (the “Program”) consists of: (i) Free Skip+ Membership, (ii) Welcome Voucher, and (iii) Monthly Voucher (collectively, the “Offer”). In order to participate in the Program and be eligible for the Offer, an eligible CIBC cardholder must actively opt-in to the Program by linking their Eligible Card with their Skip Account (any such Skip Account that is linked to an Eligible Card, a “Linked Account”) through the Skip app or website. Offer is limited to one Free Skip+ Membership and one Welcome Voucher per Eligible Card and Linked Account. Monthly Voucher is limited to one voucher per month per Eligible Card and Linked Account.
Existing terms of your Skip+ membership program, CIBC 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 Free Skip+ Membership, the Welcome Voucher, and the Monthly Voucher. For full terms and conditions, visit the CIBC and Skip+ partnership page.
✧ 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 Each Interac e-Transfer® you send counts as a transaction for calculating your monthly fee. The Interac e-Transfer fee is waived on CIBC Smart Accounts, the CIBC Everyday Chequing Account, and for clients who are enrolled in CIBC Smart Start, CIBC Advantage for Youth, CIBC Smart for Students, CIBC 60 Plus Advantage and CIBC Advantage for Students (on the CIBC Everyday Chequing Account). Clients 65 years of age and older do not pay the Interac e-Transfer fee on any CIBC chequing account. Interac e-Transfer service has maximum dollar limits that you can send. Learn more about Interac fees and details.
2 CIBC foreign exchange rates apply. A CIBC Global Money Transfer and a Foreign Exchange transaction counts towards your allowable transaction limit. Bank account transaction fees may apply. Must have a CIBC chequing account, savings account, eligible credit card or personal line of credit account to send a CIBC Global Money Transfer. Most transfers are completed within 1 to 3 business days. Only primary credit card cardholders can use their eligible credit card account to pay for the CIBC Global Money Transfer service.
Review the CIBC Global Money Transfer Agreement (150 KB, PDF) Opens in a new window..
3 This offer is available to eligible CIBC primary cardholders who have received this promotional communication from CIBC and consists of a 50% discount on a Disney+ Standard with Ads subscription up to 6 months, exclusive of taxes (the “Offer”). To qualify for the Offer, you must be the age of majority or older in your province or territory and be a new or eligible returning Disney+ subscriber. You are an eligible returning Disney+ subscriber if you did not have a subscription to any Disney+ plan in the 12 months preceding your subscription to Disney+ in accordance with this Offer. Offer is available only to primary cardholders and is valid only on a monthly Disney+ Standard with Ads subscription purchase made directly at Disney Plus Opens a new window.. Subscription purchases made through mobile apps, third party providers or platforms, and transactions made with third party payment processors (e.g., PayPal) are excluded from this Offer. Annual subscription purchases are also excluded from this Offer.
After signing up using your eligible credit card, your eligible credit card will be charged the monthly Disney+ Standard with Ads subscription fee (currently, $8.99 CAD plus taxes, where applicable, but subject to change at Disney’s discretion and in accordance with the Disney+ Subscription Agreement). You will receive a statement credit equal to 50% of the monthly subscription fee of Disney+ Standard with Ads excluding taxes (currently, $4.50 CAD per month) for up to six (6) consecutive months. Your Disney+ subscription will automatically renew at the then current monthly subscription price (plus taxes, where applicable), unless you cancel your subscription earlier. Cancellation will be effective at the end of the respective billing period. There are no refunds for partial billing periods, unless required by applicable law. In order to receive a statement credit for each month for up to six (6) consecutive months, you must maintain your Disney+ subscription during those months. Offer will not be applied if (1) you decide to stop or change your subscription or (2) payment of the monthly Disney+ Standard with Ads subscription is not made using your eligible credit card mentioned in the promotional communication you received from CIBC. A maximum of six (6) consecutive statement credits per eligible credit card account will be awarded. Existing terms of your rewards program and credit card account continue to apply. Credit card account must be open and in good standing at the time the statement credit is awarded. This offer is not transferable and cannot be combined with any other offer. Each statement credit earned under this Offer will be posted to the primary cardholder’s credit card account within ninety (90) days after the month in which the eligible subscription payment is made. This Offer may be withdrawn or changed without notice at any time. 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.
The Disney+ service, including all content, is provided by Buena Vista International, Inc. (“Disney”). This Offer and use of the Disney+ streaming service are subject to the terms and conditions set out here, the Disney+ Subscriber Agreement Opens a new window. and the Terms of Use Opens a new window. for a MyDisney account which are agreements between you and Disney (or its affiliates) that may be amended by Disney from time to time in accordance with their terms, as well as The Walt Disney Company Privacy Policy Opens a new window. and Supplemental Privacy Policy for Canada Opens a new window..
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