What makes this offer so sweet?

9.99%

20.99%

Earn cash back for no annual fee

2%

1%

0.5%

Save up to 10 cents per litre on gas with CIBC and Journie Rewards

3 cents

+

7 cents

Maximize your cash back

Get cash back on demand

Earn cash back for sending money globallyⓘ

Annual fee

$0

$0
for each additional card
(3 card maximum)

Interest rate (purchases)

RDS%rate[2].VSDIV.rate(null,null,6,null)(#R#)%ⓘ

Get a lower interest rate for the first 10 months.ⓘ 

Interest rate (cash)

RDS%rate[2].VSDIV.rate(null,null,3,null)(#R#)%ⓘ,ⓘ

RDS%rate[2].VSDIV.Published(null,null,90,null)(#O2#)%ⓘ,ⓘ
   for Quebec residents

Get a lower interest rate for the first 10 months.ⓘ 

Minimum annual income

$15,000
(household)

Valuable insurance included with your cardⓘ,ⓘ,ⓘ  

A card that’s award-worthy

2022 Best No Annual Fee Cash Back Visa Card Milesopedia logo.

Looking for a student card?

CIBC Dividend® Visa* Card for Students

Get $100 cash back after you make your first purchase!ⓘ

Learn more about the cash back offer.