Rewards
Base earn rate1% cash back on everything else
ProgramDividend Cash Back
Welcome bonusEarn up to $350 in value including an annual fee rebate: 10% cash back welcome bonus of up to $200 for the first 4 statements on net purchases up to $2,000, plus $50 cash back bonus for setting up one pre-authorized payment within the first 4 monthly statements, plus first-year annual fee rebate valued at $120
Rewards typecashback
Fees & rates
Annual fee$120
Additional card$30
Purchase interest rateN/A
Foreign transaction fee2.5% (typical)
Standout perks
🎩
Access hotel benefits, unique dining events and 24-hour complimentary concierge services with the Visa Infinite program
💳
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
⭐
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
⭐
Earn 2% cash back when you book your next vacation with CIBCbyExpedia.com
2%
⭐
Set up an alert in online or mobile banking to let you know as soon as your cash back balance reaches an amount of your choice
⭐
Get a free Skip+ membership when you link your eligible CIBC credit card with $0 delivery fees and earn a $10 monthly voucher
⭐
Get 50% off Disney+ for 6 months with automatic $4.50 monthly statement credits
4.50
⭐
Save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations
10
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
mobile device
Included — see issuer for details.
🛡️
purchase protection
Included — see issuer for details.
🛡️
travel medical
Included — see issuer for details.
🛡️
common carrier accident
500000
🛡️
rental car
Included — see issuer for details.
Eligibility
Minimum personal income$60,000
Credit score guidanceGood (660+)
ResidencyCanadian resident