† You will save 3 cents ($0.03) per litre at the time of your purchase if you present your Journie Rewards card or app and use your linked CIBC card to pay. Available at participating locations on any grade of gasoline or diesel up to 100 litres per transaction. To get the discount, you must be enrolled in and use CIBC Online Banking® or the CIBC Mobile Banking® App to link your eligible CIBC card(s) to Journie Rewards. Card linking may take up to two (2) business days. For full program terms and conditions, visit CIBC and Journie Rewards.
Once your Journie Rewards account has reached three hundred (300) points, you will automatically save an additional 7 cents ($0.07) per litre on your next fuel purchase transaction, made within 30 days up to a maximum of 100 litres. Once you pass 300 points, your balance will reset and start counting toward 300 points and your next seven cent ($0.07) fuel discount. For more details, visit Journie Rewards Opens in a new window..
To participate in this offer, you must have a CIBC debit card or personal credit card issued by CIBC. All Simplii cards are excluded.
Participating locations include select retail Pioneer, Fas Gas, Ultramar and Chevron branded gas stations in Canada. For a full list of participating stations, visit journie.ca/destinations Opens in a new window..
‡ CIBC Pace It™ Installment Plans allow eligible cardholders to convert eligible Card Transaction(s) to monthly installment payments (including interest) over a fixed period of time. When you create an installment plan you will have the ability to choose the payment term (in months) with a corresponding annual interest rate. Once you accept the Installment Plan Terms and Conditions and the installment plan is created, you can cancel it at any time but you cannot change it. CIBC Pace It™ Installment Plans are only available: (a) on Accounts in good standing; and (b) for certain eligible Account types and eligible Transactions. For complete Terms and Conditions, visit CIBC Pace It Skip to terms and conditions..
◇ All Paymi rewards are provided by Paymi and not CIBC. Paymi terms and conditions apply, visit Paymi Opens in a new window.. Paymi cash back rewards can only be earned on eligible cards and offer related purchases with the payment card(s) linked to your Paymi.com account, or by clicking through the link to a merchant website as directed in Paymi’s member offer web and app pages. See the information on all offers in Paymi’s member offer web and app pages for full details on cash back eligibility. Eligible card details found at CIBC and Paymi. Offer related purchases are purchases made in response to a merchant offer made to you via the Paymi platform. The purchases must be made within the offer period specified on Paymi’s member offer web and app pages to be eligible for cash rewards. Offers expire at midnight on the offer end date specified. If an offer related purchase is canceled or returned for a full refund, the Paymi.com incentive rewarded will be deducted. If a portion of the offer related purchase is returned, the Paymi.com incentive awarded will be reduced proportionately in relation to the return amount of the purchase. Redemption of the cash back rewards is facilitated through Paymi.com through Interac e‑Transfer. Paymi is owned and operated by Integrated Rewards Inc.
◊◊ The savings of up to 25% applies to Avis base rates and is applicable only to the time and mileage charges of the rental. Offer does not apply to car group X. All taxes, fees (including but not limited to Air Conditioning Excise Recovery Fee, Concession Recovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, Tire Management Fee, and Frequent Travel Program Fee) and surcharges (including but not limited to Customer Facility Charge and Environmental Fee Recovery Charge) are extra. Offer is available for U.S. and Canadian residents only for rentals at participating locations in the U.S and Canada. Offer may not be used in conjunction with any other AWD number, promotion or offer. Weekly rates require a minimum five day rental period. Weekend rate available Thursday noon; car must be returned by Monday 11:59 pm, or higher rate will apply. A Saturday night keep and an advance reservation may be required. Offer is subject to vehicle availability at the time of rental and may not be available on some rates at some times, including some online rates at Avis.com Opens in a new window.. Car rental return restrictions may apply. Offer subject to change without notice. Holiday and other blackout periods may apply. Renter must meet Avis age, driver and credit requirements. Minimum age may vary by location. An additional daily surcharge may apply for renters under 25 years old.
1 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.
2 Earn 4% 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 4% 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, 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, 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 merchants and 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.
3 Earn 3% cash back on purchases, less returns, at merchants classified by the credit card network as grocery stores and supermarkets, 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, 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.
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 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, 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, 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.
5 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, savings, or personal line of credit account or pay using an eligible CIBC credit card to send a CIBC Global Money Transfer. Most transfers are completed within 1-3 business days. Only primary credit cardholders can use their eligible credit card account to pay for the CIBC Global Money Transfer service.
Read the CIBC Global Money Transfer Agreement (PDF, 140 KB) Opens in a new window..
6 CIBC does not charge interest on a CIBC Global Money Transfer appearing on your statement if we receive full payment of the Amount Due (or for a CIBC Global Money Transfer that has been converted to an Installment Plan during that statement period, if we receive payment in full of the Balance) by the payment due date for that statement. Capitalized terms in this footnote have the meanings set out in the CIBC Cardholder Agreement.
7 If you pay for a GMT using your credit card, you can send up to $15,000 CA per transaction or up to your credit limit if it's under $15,000 in a 24 hour period. Also, when paying with your credit card, the weekly limit is $40,000 CA and the monthly limit is $80,000 CA. Transfer limits are current as of August 31, 2023, depend on many factors and are subject to change at any time without notice. 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. CIBC doesn’t charge money transfer fees, but the receiving institution might. Daily transfer limits are subject to change at any time. Read details about CIBC’s Global Money Transfer service..
8 Insurance coverage(s) included with CIBC credit cards are underwritten by Royal and Sun Alliance Insurance Company of Canada. You may contact the insurer at 1-866-363‑3338 Opens your phone app. in Canada and the U.S. or collect from elsewhere at 905-403‑3338 Opens your phone app.. You can also visit CIBC Cards Insurance Benefits. 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, review the insurance certificate(s) in your card package or visit CIBC Agreements and Insurance. Some insurance coverage(s) require purchase(s), car 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/Loss Damage Insurance (CLDI) is available for a rental period of up to 48 days for rental cars with a MSRP of up to $65,000 CAD. 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 10 days of a trip if the insured person is age 64 or under (for all cards that have TMI coverage, dependent children must be at least 15 days old and under 21 years of age or under 25 years of age if a full-time student, unless they have a permanent physical or mental impairment); TMI may not cover medical procedures performed without pre-approval and may not cover certain pre-existing health/medical conditions. Certain coverages are “excess insurance” (all other sources of insurance and recovery must be exhausted before coverage is available).
9 Insurance coverage(s) included with CIBC credit cards is underwritten by Royal and Sun Alliance Insurance Company of Canada. You may contact the insurer at 1-866-363-3338 Opens your phone app. in Canada and the U.S. or collect from elsewhere at 905-403-3338 Opens your phone app.. You can also visit CIBC Cards Insurance Benefits. 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, review the insurance certificate(s) in your card package or visit CIBC Agreements and Insurance. Some insurance coverage(s) require purchase(s), car 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/Loss Damage Insurance (CLDI) is available for a rental period of up to 48 days for rental cars with a MSRP of up to $65,000 CA. 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. Certain coverages are “excess insurance” (all other sources of insurance and recovery must be exhausted before coverage is available).
10 Insurance coverage(s) included with CIBC credit cards is underwritten by Royal and Sun Alliance Insurance Company of Canada. You may contact the insurer at 1-866-363-3338 Opens your phone app. in Canada and the U.S. or collect from elsewhere at 905-403-3338 Opens your phone app. or visit CIBC Cards Insurance Benefits. 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, review the insurance certificate(s) in your card package or visit CIBC Agreements and Insurance. Some insurance coverage(s) require purchase(s), common carrier fares and other trip costs to be charged to the card to activate coverage. Other conditions may also apply. Certain coverages are "excess insurance" (all other sources of insurance and recovery must be exhausted before coverage is available).
11 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 under "How do I qualify for SPC membership with CIBC?" 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.
12 Example is for illustration purposes only. As a cardholder, your cash back reward may differ.
13 Interest rates may change from time to time. "Cash" means cash advances, balance transfers and CIBC Convenience Cheques.
14 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.
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