† This offer applies to the following eligible card: CIBC Dividend Platinum® Visa* Card. You can qualify for this offer if you apply and are approved for a new eligible card beginning November 6, 2024.
Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a 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 This offer may be withdrawn or changed without prior notice at any time. 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.
A $50 Cash Back will be awarded after you make your first qualifying purchase within 4 monthly statement periods. If you qualify to receive the $50 Cash Back, the Cash Back will be applied to the New Credit Card (account must remain active and in good standing at the time the Bonus Cash Back is applied) up to 8 weeks after the qualifying purchase has been posted to your New Credit Card account.
The over $300 in value is based on the following: a) a $50 Cash Back; b) an annual fee rebate for the primary user for 2 years ($99 per year; $198 value); and c) an annual fee rebate for up to 3 Authorized Users for 2 years ($30 each per year; $60 value).
If you apply and are approved for a new eligible card, CIBC will rebate for the first two years the applicable annual fee for you (the primary cardholder) and up to three authorized users added at the time of 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 two years 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 the primary cardholder and will appear as a credit against the applicable annual fee(s) on the anniversary month statement period in which the annual fee is charged for each of the first two years, for a total of 2 annual fee rebates for each cardholder. At the time the rebate is awarded, your new credit card account must be open, in good standing and must be the same credit card product that you were initially approved for.
‡ 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 November 6, 2024.
If you apply and are approved for a new eligible card, CIBC will rebate for the first two years the applicable annual fee for you (the primary cardholder) and up to three 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. 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 the primary cardholder and will appear as a credit against the applicable annual fee(s) on the anniversary month statement period in which the annual fee is charged for each of the first two years, for a total of 2 annual fee rebates for each cardholder. At the time the rebate is awarded, your new credit card account must be open, in good standing and must be the same credit card product that you were initially approved for.
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. For this offer, the following do not qualify as purchases: cash advances, CIBC Global Money Transfers™, 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. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Aventura 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.
◇ You can qualify for this offer if you apply and are approved for a new CIBC Aventura® Visa* Card beginning November 6, 2024.
If you apply and are approved for a new CIBC Aventura® Visa* card, you can receive up to 10,000 Aventura Points:
a) Up to 2,500 bonus Aventura Points for completing the below activities within 60 days of your CIBC Aventura® Visa* account approval. The following activities are worth 500 Aventura Points each:
- Share your email address with CIBC.
- Sign up for eStatements for your new Aventura Visa* card.
- Add an authorized user on your new Aventura Visa* card.
- Hold any eligible CIBC Chequing Account.
- Add your Aventura Visa card with Apple Pay® or Samsung Pay or Google Pay™. It may take up to two statement cycles for the bonus Aventura Points to appear on your credit card statement after each of the above activities have been completed.
You can provide us with your email address and sign up for eStatements through CIBC Online Banking, by visiting a branch or calling 1-800-465-4653 Opens your phone app.. This offer is applicable to the first authorized user added only. Your authorized users will be issued the additional cards automatically when we get your request, as long as your credit card account is: a) still in good standing at that time, and b) your request does not exceed a total of 3 authorized users (counting any existing authorized users you may already have). Authorized users under the age of 13 can only be added by calling CIBC at 1-800-465-4653 Opens your phone app.. You must hold any of the following CIBC Chequing accounts: CIBC Everyday® Chequing Account, CIBC Smart™ Account, CIBC SmartPlus® Account, CIBC US$ Personal Account, CIBC Personal Chequing Account, CIBC EverydayPlus® Chequing Account, CIBC Waive Account®, CIBC MenuPlus® — Maximize Interest Account, CIBC Chequing Savings Account. If you already have an existing eligible CIBC Chequing account or shared your email address with CIBC, you will be qualified to receive the 500 Aventura Points each. If you do not have an eligible account, you may apply at the CIBC Chequing Accounts page Opens your phone app.. Or you can call 1-866-525-8622 Opens your phone app.. To learn more about the mobile payment options, visit the Ways to Pay page.
b) An additional bonus of 7,500 Aventura Points after your first purchase (made within 4 months of account opening) on the Credit Card Account.
Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Aventura® Visa* Card are excluded. Card account must be open and in good standing at the time the Aventura Points are awarded. Aventura Points are awarded to you within 8 weeks after all qualifying purchase(s) are posted to your account. For this offer, the following do not qualify as purchases: cash advances, CIBC Global Money Transfers™, 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. Card account must be open and in good standing at the time the Aventura Points are awarded. 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.
†† You can qualify for this offer if you apply and are approved for a new CIBC Aeroplan® Visa* Card beginning November 6, 2024.
In order to be eligible for this offer, a client must abide by the terms and conditions set out in this footnote.
If you apply and are approved for a new CIBC Aeroplan® Visa* Card, you can receive:
i. A welcome bonus of 2,500 Aeroplan points. The 2,500 Aeroplan points will appear on your statement after you make your first purchase at any time with your card.
ii. An additional bonus of 2,500 Aeroplan points if you have at least $3,000 in net purchases posted to your account during the first 4 monthly statement periods. The additional bonus of 2,500 Aeroplan points will be awarded (i) if the spend requirement is met and (ii) by the fifth monthly statement period
iii. The anniversary bonus of 5,000 Aeroplan points will be awarded to you within 8 weeks after the one year account open date, provided you have at least $10,000 in net eligible purchases posted on your account during the first 12 monthly statement periods and your credit card account is open and in good standing. Additional cardholders are not eligible for this offer.
It may take up to several business days for purchases to be posted to your account. Your new credit card account must be open and in Good Standing at time the Aeroplan points are awarded. This offer is not transferable and cannot be combined with any other offer. This offer does not apply to transfers from another credit card account. 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 Aeroplan 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 up to $200 value is based on the total value of: the 10,000 Aeroplan points upon approval of your CIBC Aeroplan Visa Card are redeemed for a flight reward ($200), based on over 70% of current Aeroplan cardholders receive a value of $0.02/points or more when redeeming for a flight reward as of February 1, 2023. Redemption calculation is based on actual redemptions made by cardholders between the period of November 8, 2020 to February 1, 2023. Aeroplan points have no cash value but are redeemable under the Aeroplan program for flights and other rewards. The retail value of rewards obtained using Aeroplan points will vary depending on a range of factors including the type of reward issued, details of which may be found on the Air Canada website Opens in a new window.. Aeroplan points may be redeemed only in accordance with the General Terms & Conditions of the Aeroplan program. Full terms and conditions of the Aeroplan Program are available online on the Air Canada website Opens in a new window..
All offers are contingent on satisfying the criteria outlined in the offer terms and conditions.
1 Earn 3% cash back on purchases, less returns, at merchants classified by the credit card network as grocery stores and supermarkets, or 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 daily, monthly or annual schedule and classified by the merchants as recurring. All other purchases earn 1% cash back. The 3% 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 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 $80,000 limit and the $20,000 limit will reset to zero after the day your December statement is printed. 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 or 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. 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.
2 Interest rates may change from time to time. "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.
3 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.
4 Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). Different cards will have different coverage(s). To learn about which coverage(s) are included with a specific card, and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, go to Agreements and Insurance and review the insurance certificate(s) in your card package. Some insurance coverage(s) require purchase(s), auto rentals, common carrier fares and other trip costs to be charged to the card to activate coverage. Other conditions may also apply. Auto Rental Collision and Loss Damage Insurance (CLDI) is available for automobile rentals of up to 48 days. The full cost of the rental must be charged to the card and the rental agency's Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) must be declined. CLDI provides coverage up to the actual cash value (ACV) of the rental vehicle as defined in your insurance certificate. Note that some rental agencies may assess their damages at an amount greater than the ACV of the rental vehicle and you may be liable to them for the difference. Before declining the rental agency's CDW or LDW, you should read carefully and compare the terms of the rental agreement, the CLDI insurance certificate in your card package and any other insurance you own to decide which coverage best meets your protection needs. Out-of-Province Emergency Travel Medical Insurance (TMI) covers the primary cardholder, their spouse and dependent children for the first 15 days of a trip if the covered person is age 64 or under. Dependent children must be age 20 or under or a full-time student age 24 or under, unless they have a permanent physical or mental deficiency. TMI may not cover medical procedures performed without pre-approval. TMI and Trip Interruption Insurance may not cover certain pre-existing health or medical conditions. Certain RSA coverages are "excess insurance" (all other sources of insurance and recovery must be exhausted before coverage is available). For more information, call the insurer toll-free at 1-866-363-3338. Opens your phone app. in Canada, the continental U.S. and Hawaii or collect from elsewhere at 905-403-3338 Opens your phone app.. You can also visit the CIBC RSA website Opens in a new window..
5 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 daily, monthly or annual schedule 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, 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 zero 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 the return 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.
6 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 zero, 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.
7 Primary Cardholders have access to participating lounges within the Visa Airport Companion Program (“Program”), hosted and managed by DragonPass International Ltd. (“DragonPass”). Cardholders must enrol for this benefit using a valid Card, either through the Visa Airport Companion App (available to download for free) or on the Program Website Opens in a new window.. Upon enrolment, 4 complimentary lounge visits will be available for the Primary Cardholder per membership year; the complimentary visits can be used by the Cardholder for themselves and for their accompanying guests at participating lounges. All additional visits beyond the complimentary visits are subject to a fee of $32 US (subject to change) per person, per visit charged by the Program. Applicable lounge access fees will be billed to the CIBC Card connected to the Cardholders’ Program membership. Unless suspended or cancelled, the Program’s membership automatically renews on its anniversary date. The Program membership may be suspended if your CIBC Card is cancelled or no longer in good standing. For more information, and to view a full list of participating airport lounges, their facilities, the current lounge access fee, opening times and restrictions, Cardholders can visit the Program App and Website Opens in a new window.. Cardholders who participate in the Program are subject to the DragonPass Terms of Use Opens in a new window., Terms of Service Opens in a new window. and Privacy Policy Opens in a new window. and Visa’s Privacy Notice Opens in a new window.. To view the full Terms and Conditions for the Program, please visit the Program App or Website Opens in a new window.. The Program services and benefits are provided by DragonPass and applicable third party offer providers. Neither Visa nor CIBC is responsible for any claims or damages arising from participation in the Program.
The yearly value of over $260 CAD (foreign exchange rate of 1.34 USD as of December 14, 2023) for Visa Airport Companion Program, hosted and managed by DragonPass International Ltd. (“DragonPass”) is based on the comparable cost of direct enrolment for DragonPass membership, which costs $99 US and includes one free airport lounge visit worth $32 US every year and the cost of additional 3 paid visits, costing $32 US per person, per visit. The fees used for the calculation of yearly value are as of December 14, 2023 and may change from time to time.
8 Receive one (1) statement credit up to a maximum value of $100 CAD when NEXUS application fee is charged to an eligible card, regardless of NEXUS application approval.
Limit one (1) statement credit every 4 years. You must use your eligible card to pay the NEXUS application fee. In order to be eligible for the statement credit, cardholders must be in good standing at the time the application fee is charged. CIBC has no control over the NEXUS program including, but not limited to, application approval process, enrolment, or fees charged. NEXUS eligibility requirements are determined by the Canada Border Service Agency (CBSA) and the U.S. Customs and Border Protection (US CBP), and can be found on their website Opens in a new window..
9 A NEXUS◊ application fee valued at $50 US. Value of $67 CA (foreign exchange rate of 1.34 USD as of December 14, 2023).
Effective October 1, 2024, the NEXUS application fee has increased to $120 US. You will receive a rebate of up to $100 CA for your NEXUS application fee once every 4 years.
10 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.
11 Earn 1.5 Aventura Points on purchases (less returns) at merchants classified in the credit card network as grocery stores, service stations/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 $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, drug store, 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.
12 Aventura Points are earned on card purchases less returns, and not on cash advances, CIBC Global Money Transfers, interest, fees, balance transfers, payments, CIBC Convenience Cheques or Aventura Points redemptions. Aventura Rewards and Program Terms may change without notice. Taxes, fees and other charges 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.
13 Earn 1 Aventura Point on purchases (excluding returns) at merchants classified in the credit card network as grocery stores, service stations/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, 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, 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.
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