Rewards
Base earn rate0.5% cash back on everything else
ProgramCIBC Dividend Cash Back
Welcome bonusNone
Rewards typecashback
Fees & rates
Annual fee$0
Additional card$0
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
up to 10 cents/L
⭐
Send money abroad to over 120 countries with $0 transfer fee and no interest if paid by payment due date
$0 transfer fee
⭐
Get up to 30% off base rates with Avis Pay Now
up to 30% off
⭐
Get up to 35% off base rates with Budget Pay Now
up to 35% off
⭐
Free Skip+ membership when you link your eligible CIBC credit card
$0 delivery fees plus $10 monthly voucher
⭐
Get 50% off Disney+ for 6 months
$4.50 monthly statement credit
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
purchase protection
Included — see issuer for details.
🛡️
extended warranty
up to one additional year
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident