Read the CIBC ISBO Terms and Conditions (PDF, 170 KB) Opens a new window., the CIBC ISBO GIC Program Terms and Conditions (PDF, 120 KB) Opens a new window. and the CIBC ISBO Referral Program Terms and Conditions (PDF, 130 KB) Opens a new window..
† 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.
‡ You can qualify for this offer if you apply and are approved for a new CIBC Dividend® Visa* Card for Students beginning July 4, 2024.
If you apply and are approved for a new eligible card, 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 This offer may be withdrawn or changed without prior notice at any time. 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. 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.
◇ Earn $50 each time a person you refer qualifies and receives their reward, up to $500 each year this offer is available between January 1 to December 31, for the first 10 people you refer each year that qualified and got their cash reward. To learn more, refer to the Referral Program Terms and Conditions (PDF, 115 KB) Opens a new window..
1 Simpli Financial banking services are not available in Quebec.
2 Foreign exchange rates apply. If you are transferring funds in your selected currency, once you have entered an amount to be transferred, the Online Platform will display a quote in your selected currency and the proposed foreign exchange rate for the relevant currency pair. The quote will remain valid until the expiry date and time displayed on the Online Platform (the “Quote Period”). During the Quote Period, you will not be able to initiate another transfer or obtain another quote.
The foreign exchange rate is provided by CIBC. CIBC earns income from the difference (the spread) between the prices at which we buy and sell foreign currency. Our spreads may differ from time to time and can change (without prior notice). This spread is reflected in the quote provided to you on the Online Platform and may be considered to be an indirect cost to you.
If you are transferring funds in Canadian currency, you may be charged additional fees. These fees will be clearly displayed to you before you finalize your funds transfer on the Online Platform.
3 Interest rates may change from time to time on at least 30 days prior notice to the primary cardholder. “Purchase” means cash advances, balance transfers and CIBC Convenience Cheques.
4 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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