† 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; review the terms and conditions (PDF, 130 KB). Opens in a new window.
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 CIBC Dividend® Visa* Card for Students, 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.
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 This offer may be withdrawn or changed without prior notice at any time.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.
The CIBC Best Student Life Bundle cash reward offer begins on July 12 at 12:01AM ET. Offer is available to residents of Canada and international students who: (i) have reached the age of majority in their province or territory of residence, and (ii) do not currently hold a CIBC credit card, CIBC chequing account or CIBC savings account. To qualify for the cash reward, you must apply online for the CIBC Best Student Life bundle and open your first: CIBC eAdvantage Savings Account, CIBC Smart account with either the Smart Start or Smart for Student benefit, and CIBC student credit card. A valid e-mail address must be provided as part of the application. You must: (i) by the end of the second full calendar month after the month the last product in the bundle is opened (the “Qualifying Month”), have a closing balance of least $100 in each of your CIBC Smart account and your CIBC eAdvantage Savings account, and then (ii) maintain a month-end closing balance above $0 for the next two calendar months following the Qualifying Month. Closing balances will be determined based on transactions that have been posted to your account on or before the end of the calendar month. In most cases, transactions completed after 6:00 pm ET or on weekends and holidays will be posted on the next business day. If all offer requirements are met, the $50 cash reward will be credited to your CIBC Smart account directly within two (2) months after the month you completed all offer requirements. Limit of one cash reward per eligible client. All deposit and credit card products must remain open, unconverted, and in good standing at the time the reward is deposited. CIBC reserves the right to end, cancel, change or suspend this offer or change these terms at any time without notice. Offer can be combined with: CIBC Student Refer-a-Friend, CIBC Smart Start & Smart for Student cash reward offers, CIBC eAdvantage Savings Account special interest rate offers, and CIBC credit card cash, Aventura Points, or Aeroplan points welcome offers. This offer cannot be combined with any other offer, reward, or rebate unless otherwise indicated by CIBC.
‡ 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; review the terms and conditions (PDF, 130 KB). Opens in a new window.
◇ 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 CIBC Dividend® Visa* Card for Students, 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.
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.
†† The CIBC Best Student Life Bundle cash reward offer begins on July 12 at 12:01AM ET. Offer is available to residents of Canada and international students who: (i) have reached the age of majority in their province or territory of residence, and (ii) do not currently hold a CIBC credit card, CIBC chequing account or CIBC savings account. To qualify for the cash reward, you must apply online for the CIBC Best Student Life bundle and open your first: CIBC eAdvantage Savings Account, CIBC Smart account with either the Smart Start or Smart for Student benefit, and CIBC student credit card. A valid e-mail address must be provided as part of the application. You must: (i) by the end of the second full calendar month after the month the last product in the bundle is opened (the “Qualifying Month”), have a closing balance of least $100 in each of your CIBC Smart account and your CIBC eAdvantage Savings account, and then (ii) maintain a month-end closing balance above $0 for the next two calendar months following the Qualifying Month. Closing balances will be determined based on transactions that have been posted to your account on or before the end of the calendar month. In most cases, transactions completed after 6:00 pm ET or on weekends and holidays will be posted on the next business day. If all offer requirements are met, the $50 cash reward will be credited to your CIBC Smart account directly within two (2) months after the month you completed all offer requirements. Limit of one cash reward per eligible client. All deposit and credit card products must remain open, unconverted, and in good standing at the time the reward is deposited. CIBC reserves the right to end, cancel, change or suspend this offer or change these terms at any time without notice. Offer can be combined with: CIBC Student Refer-a-Friend, CIBC Smart Start & Smart for Student cash reward offers, CIBC eAdvantage Savings Account special interest rate offers, and CIBC credit card cash, Aventura Points, or Aeroplan points welcome offers. This offer cannot be combined with any other offer, reward, or rebate unless otherwise indicated by CIBC.
◊◊ This offer is only available to clients opening their first CIBC eAdvantage® Savings Account (“eSA”). Eligible eSAs will earn a special annual interest rate (the “Special Interest Rate”) on balances up to $1,000,000 for 120 days from the date the eSA is opened (“Special Rate Period”). The Special Interest Rate is a combination of the regular interest rate that applies to your eSA balance tier, plus an additional bonus interest rate. Any change to the regular interest rate will result in a corresponding change to the bonus interest rate so that the overall Special Interest Rate will remain the same during the Special Rate Period. Regular interest is calculated daily on each day’s full closing balance and paid monthly to your eSA. Bonus interest is calculated daily on each day’s full closing balance up to a balance limit of $1,000,000 during the Special Rate Period and is paid monthly to your eSA. Both the regular and bonus interest rates are based on the tier your daily closing balance falls within. For current interest rates, visit CIBC’s interest rates page. Interest rates quoted are annual; regular and bonus rates may change at any time without prior notice. Other conditions apply. For full offer details, review the full terms and conditions (PDF, 140 KB) Opens in a new window. or visit a CIBC Banking Centre Opens in a new window..
✦ 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. 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. To learn more about eligibility requirements, visit the CIBC and SPC+ partnership page.
✧ You can qualify for this offer if you apply and are approved for a new CIBC Aventura® Visa* for Students card beginning July 4, 2024.
If you apply and are approved for a new CIBC Aventura Visa for Students card, you can receive up to 2,500 bonus Aventura Points for completing the below activities within 60 days of your CIBC Aventura® Visa* for Students account approval. The following activities are worth 500 Aventura Points each: 1. Share your email address with CIBC; 2. Sign up for eStatements for your new Aventura Visa card; 3. Add an authorized user on your new Aventura Visa card; 4. Hold any eligible CIBC Chequing Account; and 5. 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 card(s) 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 Chequing Accounts or by calling 1-866-525-8622 Opens your phone app.. To learn more about the mobile payment options, visit Ways to Pay.
Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Aventura® Visa* for Students 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. 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 Aeroplan® Visa* Card for Students beginning July 4, 2024.
If you apply and are approved for a new card you will receive a Welcome Bonus of 10,000 Aeroplan points when you make your first purchase at any time with your card. For this offer, purchases do not include Cash Advances, CIBC Global Money Transfers™, interest, fees, Balance Transfers, payments or CIBC Convenience Cheques. Aeroplan points are awarded to you within 8 weeks after the qualifying purchase(s) are posted to your account. 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 Once you turn 25, Smart Start benefits will automatically expire and regular Smart Accounts fees will apply unless you are eligible for another type of benefit at that time.
2 The additional $1.50 service fee is waived for sending Interac e-Transfer transactions. Each Interac e-Transfer transaction you send counts as a transaction for calculating your monthly fee. Maximum dollar amount applies for Interac e-Transfer transactions. For details, review the CIBC Interac e-Transfer Terms and Conditions (PDF, 300 KB). Opens in a new window.
3 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 personal bank account(s), to your CIBC Personal Line(s) of Credit and to your CIBC Credit Card account(s). 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).
4 Regular interest is calculated daily at the current rate on each day’s full closing balance and paid on the last business day of the month. Your entire account balance earns the rate applicable to the tier your daily closing balance falls within. This interest cannot be withdrawn and will not be printed at branch terminals or bank machines or made available through CIBC Telephone or Online Banking, until the second business day of the following month.
Interest rates quoted are annual. Interest rates and balance tiers are subject to change without prior notice.
If you have any questions about our interest rates, call 1-800-465-2422 Opens your phone app. or visit a CIBC Banking Centre Opens in a new window..
5 Smart Interest is an interest reward earned on the total account balance in your CIBC eAdvantage® Savings Account(s), up to a maximum aggregate balance limit of $200,000 (“Smart Balance Maximum”), each month in which you save at least $200 (excluding interest earned) across all your account(s) with the same account holders (“Smart Balance Growth”). Smart Interest is calculated daily at the current Smart Interest rate on each day’s full closing balance (up to the Smart Balance Maximum) and paid between the first 5 to 7 business days of the following month. Smart Interest rate quoted is an annual rate. Smart Interest, the Smart Balance Maximum and the Smart Balance Growth amount may change at any time without prior notice. Other conditions apply. Review the full terms and conditions available at cibc.com/smartsavings.
6 Interest rates may change from time to time. "Cash" means cash advances, balance transfers and CIBC Convenience Cheques.
7 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.
8 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 included insurance(s), and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, see our Agreements and Insurance page and the insurance certificate(s) in your card package. Some insurance(s) require purchases, common carrier fares and other trip costs to be charged to the card to activate coverage (other conditions may also apply). Certain RSA coverages are “excess insurance” (all other sources of insurance and recovery must be exhausted before benefits are available). For more information, call RSA toll-free at 1-866-363-3338 Opens your phone app. in Canada, continental U.S. and Hawaii, or collect from elsewhere at 905-403-3338 Opens your phone app..
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