Rewards
Base earn rate0.5% cash back on everything else
ProgramDividend Cash Back
Welcome bonusJoin and earn up to $125 cash back. Get $25 cash back after you make your first purchase within the first 4 monthly statements. Earn a 10% cash back welcome bonus of up to $100 within the first 4 monthly statements on net purchases up to $1,000.
Rewards typecashback
Fees & rates
Annual fee$0
Additional card$0
Purchase interest rateN/A
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Free SPC+ membership with up to 30% off 450+ brands
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Free Skip+ membership with $0 delivery fees and $10 monthly voucher
⭐
Get 50% off Disney+ for 6 months with automatic $4.50 monthly statement credit
$4.50/month
⭐
Save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations
up to 10 cents per litre
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Send money abroad to over 120 countries with $0 transfer fee and no cash advance fees; no interest if paid by due date
$0 transfer fee
⭐
Earn 1% cash back when you book travel with CIBCbyExpedia.com
1% cash back
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