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† Cash reward offer begins on October 17, 2023, at 12:01 am ET. Offer available to Canadian residents, and international students, who meet the eligibility requirements for the CIBC Smart Start or CIBC Smart for Students benefit and, from 2021 to the time of opening the account, are not holders or joint holders of a CIBC chequing account, all as determined by CIBC in its sole discretion. To qualify for this offer, open a CIBC Smart Account with Smart Start or Smart for Students benefits. Within 2 months after the month of opening the account, earn a $100 cash reward when you complete 5 Visa Debit purchases within the same calendar month. Eligibility of transactions will be determined by CIBC in its sole discretion. This offer can be combined with the CIBC Student Refer-a-Friend Program. Offer cannot be combined with any other offer, reward, or rebate unless otherwise indicated by CIBC. The cash reward will be deposited into your account within 7 months after the month that you have opened the account. Other conditions apply. Please review the full Terms and conditions (PDF, 140 KB) Opens in a new window..
‡ 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 in a new window..
◊◊ No purchase necessary. Open January 1, 2021 to December 31, 2021 to legal residents of Canada who are 16 years of age or older and are current students of an accredited Canadian university, college or secondary school. One Grand Prize available to be won consisting of:
- 1 cheque for $8,750 made payable to the winner;
- 1 1-year GIC for $8,750 opened in the winner’s name;
- 1 2-year GIC for $8,750 opened in the winner’s name; and
- 1 3-year GIC for $8,750 opened in the winner’s name.
Odds of winning depend on number of eligible entries received. Math skill test required. Refer to the full contest rules (PDF, 145 KB) Opens in a new window..
Winner will be picked January 10, 2022. Check full rules for other ways to enter.
◇ 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. 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.
Trade-mark/registered trade-mark of Student Price Card Ltd.
†† In order to participate in the CIBC and Skip+ Program (the “Program”) and be eligible for: (i) a 12-month Skip+ free trial, (ii) a discounted monthly Skip+ subscription fee of $6.99 plus applicable taxes following the end of the 12-month free trial period (while available and subject to change), and (iii) a Skip welcome voucher (up to $45 in value) (collectively, the “Offer”), an eligible CIBC cardholder must actively opt-in to the Program by linking their Eligible Card (as defined below) with their Skip Account (any such Skip Account that is linked to an Eligible Card, a “Linked Account”) through the Skip app or website.
12-month free trial and discounted subscription fee: Upon linking your Eligible Card to your Skip Account through the Skip app or website, Skip will automatically apply a 12-month free trial of Skip+ to your Linked Account. Following the expiry of the 12-month free trial period, your Skip+ subscription will automatically renew at a discounted monthly price of $6.99 plus applicable taxes (while available and subject to change), unless you cancel your subscription earlier or the Program or Offer ends.
Welcome Voucher: Within 48 hours of linking your Eligible Card to your Skip Account, Skip will deliver an email to the email address associated with your Linked Skip Account containing a welcome voucher code. The voucher code can be used at checkout to get $15 off orders of $30 or more (before taxes, tips, and fees) and can be redeemed up to three times (up to $45 in value). The voucher code cannot be used on any orders containing solely alcohol, is non-transferable and is valid for a period of 30 days upon receiving the voucher code email from Skip.
The Program and Offer are valid for orders made using an Eligible Card. In order to be eligible for the Program and Offer benefits, you must use an Eligible Card at checkout. Third party digital wallets (e.g. Apple Pay, Google Pay or Samsung Pay) are excluded from the Program and Offer. The Program and Offer are only valid where Skip is available. Offer has no cash value and may not be altered, bartered, sold, or transferred. No refunds for partial billing periods unless required by applicable law. Taxes, service and delivery fees apply. The Program and Offer are subject to the terms and conditions set out here as well as the Skip+ terms and conditions.
Existing terms of your 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 discounted monthly Skip+ subscription fee, the welcome voucher, and the length of time the discounted monthly Skip+ subscription fee is available. 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. CIBC is not liable or responsible for any products or services offered, made available or purchased from Skip.
Offer is available to:
CIBC Dividend® Visa Infinite*, CIBC Dividend Platinum® Visa*, CIBC Dividend® Visa*, CIBC Dividend Unlimited World Mastercard®, CIBC Dividend® Visa* Card for Students, CIBC Dividend Unlimited World Elite® Mastercard®, CIBC Aventura® Visa Infinite*, CIBC Aventura® World Mastercard®, CIBC Aventura® World Elite Mastercard®, CIBC Aventura® Visa* Card for Students, CIBC Aventura® Visa Infinite Privilege*, CIBC Aventura® Gold Visa*, CIBC Aventura® Mastercard®, CIBC Aventura® Visa*, CIBC Aventura® Visa* for Business Card, CIBC Aventura® Visa* Card for Business Plus, CIBC Aeroplan® Visa* Card, CIBC Aeroplan® Visa Infinite* Card, CIBC Aeroplan® Visa* Card for Students, CIBC Aeroplan® Visa Infinite Privilege* Card, CIBC Aerogold® Visa* Card, CIBC U.S. Dollar Aventura® Gold Visa*, CIBC Aeroplan® Visa for Business Card, CIBC Aeroplan® Visa Business Plus, CIBC Classic Visa* Card, CIBC Classic Visa* Card for Students, CIBC Corporate Classic Plus Visa* Card, CIBC Costco Mastercard®, CIBC Costco World Mastercard®, CIBC Costco Business Mastercard®, CIBC bizline® Visa* Card, CIBC Select Visa* Card, CIBC Vacationgold® Visa* Card, CIBC Gold Visa* Card, CIBC Advantage Debit Card® or any other eligible credit or debit card, as may be determined by CIBC in its sole discretion from time to time, in good standing (each an “Eligible Card”).
For CIBC Aventura® Visa* Card for Business Plus, CIBC Aeroplan® Visa Business Plus and CIBC Corporate Classic Plus Visa* Card, the Offer can only be redeemed by one Cardholder (as defined under the CIBC Business Credit Card Agreement (Business Liability)).
✦ 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 a new window..
1 Until graduation date plus an additional 6 months, up to a maximum of 4½ years in total. Regular Smart Account fees will apply thereafter.
2 A transaction includes cheques, withdrawals, transfers, pre-authorized payments, bill payments (including CIBC Credit Cards and CIBC Personal Lines of Credit) and debit purchases. For CIBC eAdvantage Savings Accounts, a transaction does not include transfers to your other CIBC bank account(s) using the transfer function on CIBC Online Banking, CIBC Mobile Banking, CIBC Telephone Banking and at CIBC ATMs. For all accounts, transfers to CIBC-branded loans (excluding CIBC Personal Lines of Credit), mortgages and investments (registered and non-registered) are free. "CIBC-branded” means any brand that has CIBC in its name and is offered by CIBC or its Canadian affiliates (and does not include CIBC Bank USA). Other fees (in addition to any transaction fee) include: withdrawals from non-CIBC bank machines (rebated for CIBC Smart Plus Accounts except the 2.5% administration fee on the converted amount of foreign currency ATM withdrawals), wire payments, Interac e-Transfer transactions (the Interac e-Transfer fee is waived for CIBC Smart Accounts, CIBC Smart Plus Accounts and for clients who are enrolled in CIBC Advantage for Youth, CIBC Smart for Students, CIBC Smart for Seniors (on the CIBC Smart Account) and CIBC Advantage for Students (on the CIBC Everyday Chequing Account)) and transactions in foreign currency (including cheques written in currencies other than the account currency).
3 CIBC will rebate one non-CIBC ATM withdrawal fee charge; charges from the other financial institution may apply.
4 Until age 25 and then regular Smart Account fees will apply.
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