Rewards
Base earn rate1% cash back on everything else
ProgramCIBC Dividend Cash Back
Welcome bonusJoin and earn up to $300 in value including an annual fee rebate
Rewards typecashback
Fees & rates
Annual fee$99
Additional card$30
Purchase interest rateN/A
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations when you link your card with Journie Rewards
up to 10 cents per litre
⭐
Get up to 30% off base rates with Avis Pay Now or up to 35% off base rates with Budget Pay Now at participating locations worldwide
up to 30-35% off base rates
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Send money abroad to over 120 countries with $0 transfer fee. Cash advance fees don't apply and there's no interest if you pay your balance by the payment due date.
$0 transfer fee
⭐
Get a free Skip+ membership when you link your eligible CIBC credit card with $0 delivery fees and earn a $10 monthly voucher
free Skip+ membership, $0 delivery fees, $10 monthly voucher
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Get 50% off Disney+ for 6 months with automatic $4.50 monthly statement credits when using an eligible CIBC credit card to pay for Disney+ Standard with Ads subscription
50% off for 6 months, $4.50 monthly credit
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Earn 2% cash back when you book your next vacation with CIBCbyExpedia.com
2% cash back on travel bookings
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
🛂 NEXUS fee rebate
Insurance coverage
🛡️
purchase protection
Included — see issuer for details.
🛡️
common carrier accident
500000
🛡️
rental car
Included — see issuer for details.
Eligibility
Minimum personal income$150,000
Credit score guidanceExcellent (760+)
ResidencyCanadian resident