Get rewarded just for using your credit card. Whether you’re looking for rewards points or cash back on your purchases, we’ve got the right card for you.
I want to earn free flights and get perks when I travel.
I want to get cash back.
I want to build up my credit and get a little something extra.
Browse all rewards cardsFrequent flyers and frequent daydreamers alike can earn Aventura ® Points and Aeroplan ® points towards travel, and premium travel benefits when you fly.
Redeem rewards for vacation packages, cruises, merchandise, gift cards and one-of-a-kind activities.Apply Aventura Points toward your Aventura card balance or select CIBC financial products with Payment with Points 1 .
With an eligible CIBC Aeroplan credit card, you get access to special travel benefits like a free first checked bag 2, 3, 4, Maple Leaf Lounge ™ access 2, 5, 6, 7, priority airport services 2, 8 and more!
CIBC Rewards Centre 9 and Visa Infinite Concierge 10 teams are at your service to help with your reservations and trip planning.
Business travel rewards
You and any additional cardholders on your account can use your CIBC business travel credit card to get travel rewards, comprehensive insurance coverage and other benefits from your business activities.
Featured travel rewards card
Digital exclusive offer
Join and get up to $1,300 in value † !
$139 (first year rebated†)
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$60,000 individual, or
$100,000 household
Put some money back in your pocket with every eligible purchase you make — it’s that simple.
Earn cash back at accelerated rates on your eligible gas, electric vehicle charging, grocery, dining and transportation purchases, as well as on your recurring payments. 15 Plus, redeem anytime you want, once your cash-back balance is $25. 19
There are no limits on how much total cash back you can earn 15 .
Your card includes Purchase Security and Extended Protection Insurance, to help safeguard your new purchases 16 .
Featured cash back card
Get a first-year annual fee rebate for you and up to three Authorized Users † and earn 10% cash back for the first 4 statements on net purchases of up to $2,000 † .
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RDSRDS%rate[2].VWDIV.rate(null,null,3,null)(#R#)% (or RDS%rate[2].VWDIV.Published(null,null,90,null)(#O2#)% for Quebec residents) for cash 11
$60,000 individual, or $100,000 household
Earn cash back everywhere Mastercard is accepted. 27, 28 Plus, access valuable insurances 29 , flexible installment payment options and more. Exclusively for Costco members. 30
Earn cash back at accelerated rates at restaurants and Costco gas, as well as other gas stations and at Costco.ca Opens in a new window. . 27, 28 There are no limits on how much total cash back you can earn.
Get preferred Installment Plan interest rates with no installment fees on eligible Costco purchases in Canada and at Costco.ca with CIBC Pace It TM , 31
Enjoy valuable insurance coverage including Mobile Device Insurance and Purchase Security and Extended Warranty Insurance. 29
The CIBC Costco Business Mastercard ® is the only business Mastercard exclusively for Costco members. Earn up to 3% cash back everywhere Mastercard is accepted 28 , plus get access to exclusive benefits.
Featured Costco card
Earn up to 3% cash back 27 everywhere Mastercard is accepted.
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RDS%rate[2].MPCOS.Published(null,null,3,null)(#O2#)% ( RDS%rate[2].MPCOS.Published(null,null,90,null)(#O2#)% for Quebec residents)
$15,000 for CIBC Costco Mastercard®
$50,000 individual, or $80,000 household for CIBC Costco World Mastercard®
Your credit card should be one that gets you rewards easily. Earn travel or cash back rewards while you build your credit.
Collect Aventura ® Points or Aeroplan ® Miles to get free flights. Redeem for vacation packages, cruises, merchandise, gift cards and one-of-a-kind activities.
Shop and save with up to 2% cash back on eligible groceries. 15
Featured student card
Earn up to 2,500 Aventura Points †† for no annual fee.
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RDSRDS%rate[2].VWDIV.rate(null,null,3,null)(#R#)% (or RDS%rate[2].VSAVC.Published(null,null,90,null)(#O2#)% for Quebec residents) for cash 11
Collect more stamps on your passport with Aventura Points and Aeroplan points or get cash back.
Use the sliders to estimate your monthly purchases and see the rewards or cash back you can earn.
From Halifax to Honolulu or Hong Kong, see how far your Aventura Points can take you — across Canada and around the world.
There are different ways to redeem your points depending on the type of credit card you have:
You can redeem your Aventura Points online at CIBC Rewards Opens in a new window. . Or you can redeem them by calling the CIBC Rewards Centre at 1-888-232-5656 Opens your phone app. . 22 From travel to gift cards and so much more, we have options for everyone.
You can redeem your Aeroplan points on the Air Canada site Opens in a new window. , with the Air Canada app Opens in a new window. or through the Aeroplan eStore Opens in a new window. . Sign on to your account and use your points for travel, merchandise, gift cards and more.
With our new redemption feature, you can redeem your cash back any time when you have a minimum of $25 cash back 19 through CIBC Online Banking®, CIBC Mobile Banking® or by calling us at 1-800-465-4653 Opens your phone app. . You can also get your cash back annually as a credit on your January statement.
With a CIBC Costco credit card, you will receive your cash back as an annual cash back gift certificate with your January statement either digitally or in the mail and you can redeem it at any Canadian Costco warehouse. You can also track your cash back total earned from January to December each year through your CIBC Mobile Banking® App or CIBC Online Banking® and on your statement. 35
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More articles about credit cardsTo qualify for the CIBC Dividend Visa Infinite* card, you’ll have to meet some criteria:
Even if you meet our criteria, there are some factors that may affect your eligibility:
To qualify for the CIBC Costco Mastercard, you’ll have to meet some criteria:
Even if you meet our criteria, there are some factors that may affect your eligibility:
You can redeem your Aventura Points for many great things:
Use some or all of your points for flights, hotels, cruises, car rentals and vacation packages. If you have an Aventura credit card, you can fly for as low as 10,000 Aventura points. 23 Travel when it’s right for you with Aventura.
Redeem points for over 1,000 items like merchandise and gift cards or donate to charities. From electronics to housewares and everything else in between, there’s something for everyone.
Use your points to pay down your credit card balance or make contributions towards a financial product. 1 You can also redeem points to help pay off eligible credit card purchases. 24
Easily redeem your xpoints for flights with Air Canada and our partner airlines — visit the Air Canada website Opens in a new window. .
Plus, you can redeem your points for top merchandise, gift cards, activities and much more.
Aeroplan points won't expire as long as you, the primary cardholder, continue to hold your CIBC Aeroplan credit card. 25
Think about your lifestyle and the type of benefits that are important to you. Weigh the pros and cons and go with the credit card that gives you the most rewards for your spending.
Consider these 2 types of rewards credit cards:
If you’re a frequent traveler, a CIBC travel reward credit card may be a good option for you. You can use your points to redeem for flights, hotels, cruises, car rentals and vacation packages. You can also redeem for merchandise, gift cards and more.
With a cash back card, you’ll earn cash back on everyday purchases. You can maximize your cash back when you spend on certain categories like gas and groceries. Plus, some of our cash back cards also come with no annual fees.
There’s no limit to the number of rewards you can earn — the more you use your card to pay for things, the more points you’ll collect. Your points don’t expire, as long as your account is open and in good standing, so you can use them anytime 26 .
Can I still earn cash back rewards when other authorized users make a purchase?Yes, you can still earn cash back rewards when authorized users make a purchase. Everyone’s purchase rewards are pooled into one single account — which means you can earn rewards faster. If you’re the primary cardholder, only you can redeem rewards.
You can request up to 3 additional cards on your account. Plus, you can set different spending limits so you’re always in control.
You certainly do. Whether you’re dining in, ordering takeout or waiting for delivery, you may earn points when you use your CIBC credit card at your favourite restaurants. Many of our cash back and travel cards also offer more points or cash back on every dollar spent in this category.
To find out how many points or cash back you could be earning on eligible dining, check out our rewards calculator.
1 Only primary cardholders are permitted to perform a “Payment with Points” or “Financial Product with Points” redemption. Authorized users are not eligible. Redemptions are non-refundable, non-exchangeable and non-transferable unless you are advised otherwise. Requested redemption amount must be equal to or less than the cardholder’s available points balance. Points to dollars conversion ratio is determined by CIBC and can be changed at any time without notice.
2 The Aeroplan number of the person accessing the benefit must be included in the qualifying reservation, and the name on the airline reservation must be identical to the name on the Aeroplan account of the traveller. For authorized users’ ability to access available benefits, their Aeroplan number must be linked to a valid CIBC Aeroplan credit card account as verified by the bank. As of November 8, 2020, linking can be done by visiting link your Aeroplan account Opens in a new window. . Allow up to 72 hours after the CIBC Aeroplan credit card account is approved, or the Aeroplan number of the authorized user is linked to the authorized user credit card, for these benefits to be activated. The Aeroplan accounts of the primary cardholder and authorized users must be in Good Standing at time of flight for airline benefits to apply. Airline benefits will no longer be available if your CIBC Aeroplan credit card account is not in Good Standing, or if it is closed, regardless of reason for closure. Airline benefits may no longer apply if the CIBC Aeroplan credit card product is changed to a different product. Aeroplan membership and benefits are subject to the Aeroplan Program Terms and Conditions and any applicable Air Canada terms and conditions relating to a benefit, as determined by Air Canada in its sole discretion and as may be changed from time to time. Capitalized terms used have the meanings set out in the CIBC Cardholder Agreement/CIBC Business Cardholder Agreement (Personal Liability).
3 A CIBC Aeroplan Visa Infinite Privilege Card/ CIBC Aeroplan Visa Infinite Card/CIBC Aeroplan Visa Business Card primary cardholders, authorized users, and up to 8 other passengers travelling on the same reservation (up to a maximum of 9 travellers), are each entitled to a free first checked bag up to 23kg/50lb. Benefit only applies when checking in with Air Canada, for a flight operated by Air Canada, Air Canada Rouge® or under the Air Canada Express® brand. Benefit is not available if check-in is with another airline. If the first checked bag is already complimentary (for example, as a result of Aeroplan Elite Status or fare purchased), there is no additional checked bag benefit that will be provided. Free first checked bag benefit may not be applied retroactively, and no refunds will be issued. Service charges for additional/oversized/overweight baggage may apply. For more information on baggage restrictions, visit Air Canada Baggage Information Guide Opens in a new window. .
4 CIBC Aeroplan Visa Business Plus Card Rewards Officers, other cardholders, and up to 8 other passengers travelling on the same reservation (up to a maximum of 9 travellers), are each entitled to a free first checked bag up to 23kg/50lbs. Benefit only applies when checking in with Air Canada, for a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Benefit is not available if check-in is with another airline. If the first checked bag is already complimentary (for example, as a result of Aeroplan Elite Status or fare purchased), there is no additional checked bag benefit that will be provided. Free first checked bag benefit may not be applied retroactively and no refunds will be issued. Service charges for additional/oversized/overweight baggage may apply. For more information on baggage restrictions, visit Air Canada Baggage Information Guide Opens in a new window. .
5 CIBC Aeroplan Visa Infinite Privilege Card primary cardholders and authorized users are each entitled to complimentary access to any Air Canada Maple Leaf Lounge located in Canada and the United States, including International Maple Leaf Lounges in Canada and the United States when travelling on an international itinerary. Access excludes Air Canada Signature Suites and lounges operated by third parties, such as Star Alliance member airlines. Additional guests of primary cardholders or authorized users may enter upon paying an applicable fee. Access will be granted in conjunction with a same-day, confirmed ticket on a flight marketed or operated by Air Canada, Air Canada Rouge, under the Air Canada Express brand, or any Star Alliance member airline. Anyone under the age of majority entering a Maple Leaf Lounge must be accompanied by an adult with access to the lounge. Age of majority is determined by the jurisdiction in which the Maple Leaf Lounge is located. Benefit may only be used as described, and otherwise cannot be transferred. Access is subject to space availability. Review applicable Maple Leaf Lounges Terms and Conditions Opens in a new window. .
6 CIBC Aeroplan Visa Business Card primary cardholders are entitled to receive one (1) Air Canada Maple Leaf Lounge One-Time Guest Pass (each a “Guest Pass”) for every $10,000 in eligible net Purchases (which excludes any returns and credits, Cash Advances, Balance Transfers, Convenience Cheques, fees, interest and payments) charged to the CIBC Aeroplan Visa Business Card account within an account year (being each consecutive 12 month period following the CIBC Aeroplan Visa Business Card account open date) up to a maximum of 4 Guest Passes in an account year. All earned Guest Passes will be deposited in the primary cardholder's Aeroplan account approximately 7-14 calendar days following the account year. Each Guest Pass will expire 12 months from the date of issuance. One Guest Pass may be used for single admittance by the primary cardholder or authorized users or any guest(s) accompanying any of them to access an eligible Air Canada Maple Leaf Lounge (as identified below) upon presentation of a Guest Pass, along with a same-day, confirmed ticket on a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Eligible Maple Leaf Lounges are limited to those Maple Leaf Lounges located in Canada and in the United States only and exclude International Maple Leaf Lounges located in the international departure zones of Canadian airports. Access also excludes Air Canada Signature Suites and lounges operated by third parties, such as the Star Alliance member airlines. Any guest entering a Maple Leaf Lounge using a Guest Pass must be accompanied by the eligible primary cardholder or authorized user. Anyone under the age of majority entering a Maple Leaf Lounge must be accompanied by an adult with access to the lounge. Age of majority is determined by the jurisdiction in which the Maple Leaf Lounge is located. Benefit may only be used as described, and otherwise cannot be transferred. Access is subject to space availability. An unused Guest Pass will automatically be cancelled if your CIBC Aeroplan credit card account is not in Good Standing, or if it is closed, regardless of reason for closure. An unused Guest Pass may no longer be available if the CIBC Aeroplan credit card product is changed to a different product. All Maple Leaf Lounges Terms and Conditions apply and can be reviewed at Maple Leaf Lounges Terms and Conditions Opens in a new window. .
7 CIBC Aeroplan Visa Business Plus Card Rewards Officers are entitled to receive one (1) Air Canada Maple Leaf Lounge One-Time Guest Pass (each a “Guest Pass”) for every $10,000 in eligible net Purchases (which excludes any returns and credits, Cash Advances, Balance Transfers, Convenience Cheques, fees, interest and payments) charged to the CIBC Aeroplan Visa Business Plus Card account within an account year (being each consecutive 12 month period following the CIBC Aeroplan Visa Business Plus Card account open date) up to a maximum of 4 Guest Passes in an account year. All earned Guest Passes will be deposited in the Rewards Officer's Aeroplan account approximately 7-14 calendar days following the account year. Each Guest Pass will expire 12 months from the date of issuance. One Guest Pass may be used for single admittance by the Rewards Officer or other cardholders or any guest(s) accompanying any of them to access an eligible Air Canada Maple Leaf Lounge (as identified below) upon presentation of a Guest Pass, along with a same-day, confirmed ticket on a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Eligible Maple Leaf Lounges are limited to those Maple Leaf Lounges located in Canada and in the United States only and exclude International Maple Leaf Lounges located in the international departure zones of Canadian airports. Access also excludes Air Canada Signature Suites and lounges operated by third parties, such as the Star Alliance member airlines. Any guest entering a Maple Leaf Lounge using a Guest Pass must be accompanied by the eligible Rewards Officer or other cardholder . Anyone under the age of majority entering a Maple Leaf Lounge must be accompanied by an adult with access to the lounge. Age of majority is determined by the jurisdiction in which the Maple Leaf Lounge is located. Benefit may only be used as described, and otherwise cannot be transferred. Access is subject to space availability. An unused Guest Pass will automatically be cancelled if the CIBC Aeroplan credit card account is not in Good Standing, or if it is closed, regardless of reason for closure. An unused Guest Pass may no longer be available if the CIBC Aeroplan credit card product is changed to a different product. All Maple Leaf Lounges Terms and Conditions apply and can be reviewed at Maple Leaf Lounges Terms and Conditions Opens in a new window. .
8 CIBC Aeroplan Visa Infinite Privilege Card primary cardholder, authorized users, and up to 8 other passengers travelling on the same reservation (up to a maximum of 9 travellers), are each entitled to Priority Check-in (where available), Zone 2 Priority Boarding and Priority Baggage Handling. Benefits only apply when checking in with Air Canada, for a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Benefit is not available if check-in is with another airline. To access this benefit, the primary cardholder or authorized user may be required to show their qualifying CIBC Aeroplan credit card to the Air Canada agent.
9 The CIBC Rewards Centre is operated by an independent travel service agency, Merit Travel Group Inc. Registration Numbers: ON.4499356, BC.34799, QC.703563.
10 The goods and services you request or obtain through the Visa Infinite Concierge are provided by various third-party service providers unrelated to Visa. Neither Visa nor CIBC endorses, reviews, qualifies, makes any representations or warranties (either express or implied) about, or assumes responsibility or liability for these service providers or the goods and services obtained. Neither Visa nor CIBC can guarantee the successful fulfillment of your requests in all instances. There is no fee for the Visa Infinite Concierge’s services; however, you are responsible for the cost of any goods or services (including any related fees or costs) authorized by you and purchased by the Visa Infinite Concierge on your behalf. All costs will be charged directly to your CIBC Visa Infinite Card.
11 Interest rates may change from time to time. "Purchase" means card purchases less returns and does not include: cash advances, interest, fees, balance transfers, payments and CIBC Convenience Cheques. "Cash" means cash advances, balance transfer and CIBC Convenience Cheques.
12 Effective July 1, 2022: Primary Cardholders have access to participating lounges within the Visa Airport Companion Program (“Program”), hosted and managed by Dragonpass International Ltd. Cardholders must enroll for this benefit either through the Visa Airport Companion App (available to download for free) or on the Program Website Opens in a new window. using a valid Card. Upon enrollment, 4 complimentary lounge visits will be available for the Primary Cardholder per membership year; the complimentary visits can be used by the Cardholder for themselves and for their accompanying guests at participating lounges. All additional visits beyond the complimentary visits are subject to a fee of $32 USD (subject to change) per person per visit charged by the Program. Applicable lounge access fees will be billed to the CIBC Card connected to the Cardholders’ Program membership. Unless suspended or cancelled, the Program’s membership automatically renews on its anniversary date. The Program membership may be suspended if your CIBC Card is cancelled or no longer in good standing. To view a full list of participating airport lounges, their facilities, the current lounge access fee, opening times and restrictions, Cardholders can visit the Program App and Website Opens in a new window. for more information. Cardholders who participate in the Program are subject to the DragonPass Terms of Use Opens in a new window. , Terms of Service Opens in a new window. and Privacy Policy Opens in a new window. and Visa’s Privacy Notice Opens in a new window. . To view the full Terms and Conditions for the Program, please visit the Program App or Website Opens in a new window. . The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor CIBC is responsible for any claims or damages arising from participation in the Program.
The yearly value of over $190 for Visa Airport Companion Program (hosted and managed by Dragonpass International Ltd.) is based on the comparable cost of direct enrollment for DragonPass membership which costs U.S. $99 and includes one free airport lounge visit worth U.S. $31 every year and the cost of additional 3 paid visits costing U.S. $31 per person per visit. The fees used for the calculation of yearly value are as of April 21, 2022 and may change from time to time.
13 Receive one (1) statement credit up to a maximum value of $100 CA when NEXUS application fee is charged to an eligible card, regardless of NEXUS application approval.
Limit one (1) statement credit every 4 years. You must use your eligible card to pay the NEXUS application fee. To be eligible for the statement credit, cardholders must be in good standing at the time the application fee is charged. CIBC has no control over the NEXUS program including, but not limited to, application approval process, enrollment, or fees charged. NEXUS eligibility requirements Opens in a new window. are determined by the Canada Border Service Agency (CBSA) and the U.S. Customs and Border Protection (US CBP).
14 CIBC foreign exchange rates apply. Only primary cardholders can use their eligible credit card account to pay for the CIBC Global Money Transfer™ service.
15 Earn 4% cash back on purchases, less returns, at merchants classified by the credit card network as grocery stores and supermarkets, or gas service stations, automated fuel-dispensers and electric vehicle charging with a merchant category code of MCC 5552. Earn 2% cash back on purchases, less returns, at merchants classified by the credit card network as (i) local and suburban commuter transportation in Canada, including subway, streetcar, taxi, limousine and ride-sharing services (excludes merchants that may be classified as travel services or travel bookings such as air transport, car rentals and cruises), (ii) eating places and restaurants, drinking places and fast food restaurants, or (iii) recurring payments that are pre-authorized with a merchant to occur on a regular daily, monthly or annual schedule and classified by the merchants as recurring. All other purchases earn 1% cash back. The 4% and 2% cash-back offers are only available on the first $80,000 in net annual card purchases, meaning all card purchases by all cardholders, at any type of merchant, or $20,000 on grocery stores, supermarkets, gas service stations and automated fuel-dispensers, merchants classified as electric vehicle charging with a merchant category code of MCC 5552, commuter transportation, eating and drinking places and restaurants, or on recurring payments on your account, whichever comes first; after that, net card purchases at all merchants, including grocery stores, supermarkets, gas service stations and automated fuel-dispensers, merchants classified as electric vehicle charging with a merchant category code of MCC 5552, commuter transportation, eating and drinking places and restaurants, or on recurring payments will earn cash back at the regular rate of 1%. The $80,000 limit and the $20,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchants and merchant categories may change without notice. Cash back is earned on card purchases less returns and not on cash advances, CIBC Global Money Transfers™, interest, fees, balance transfers, payments or CIBC Convenience Cheques. Credits for returns made on your account may result in a deduction of cash back at a higher earn rate, even though the return may relate to a purchase that earned cash back at a lower rate.
17 Cardholders are responsible for the cost of any goods or services purchased, or arranged on their behalf, through this program. This program is provided through Visa Canada. You must be an eligible Visa Infinite cardholder with a valid Canadian issued Visa Infinite card to take advantage of the Visa Infinite benefits and services. For additional information on Visa Infinite benefits and services, please visit Visa Infinite Opens in a new window. . Certain benefits and services require enrolment. Offers and benefits are non-transferable and discounts cannot be combined with any other offer or discount. Neither Visa nor the Issuer of the card is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers or benefits at any time and without notice. All offers, benefits and services made available through Visa are subject to complete terms and conditions, including third party suppliers’ terms and conditions, available through the Visa Infinite Concierge or at Visa Infinite Program Terms and Conditions Opens in a new window. . The Visa Infinite privacy policy applies to all benefits and services that require enrolment through, or are otherwise provided by, the Visa Infinite Concierge or the Visa Infinite website. Review the Visa Infinite privacy policy at Visa Global Privacy Notice Opens in a new window. . The collection, use and disclosure of cardholders’ personal information by third party suppliers of services and benefits to Visa Infinite cardholders are subject to such third parties’ own privacy policies.
18 You will save three cents ($0.03) per litre at the time of your purchase if you present your Journie Rewards card or app and use your linked CIBC card to pay. Available at participating locations on any grade of gasoline or diesel up to 100 litres per transaction. To get the discount, you must be enrolled in and use CIBC Online Banking® or the CIBC Mobile Banking® App to link your eligible CIBC card(s) to Journie Rewards. Card linking may take up to two (2) business days. To participate in this offer, you must have a CIBC debit card or personal credit card issued by CIBC. All Simplii cards are excluded. Please see cibc.com/journie for full program terms and conditions.
Once your Journie Rewards account has reached three hundred (300) Journie Points, you will automatically save an additional seven cents ($0.07) per litre on your next fuel purchase transaction, up to a maximum of 100 litres. Such fuel purchase must be made within 30 days, or the discount will expire. Once you pass 300 points, your balance will reset and start counting toward 300 points and your next Fuel Discount. See journie.ca Opens in a new window. for more details.
Participating locations include select retail Chevron, Pioneer or Ultramar branded gas stations in Canada. For a full list of participating stations, visit journie.ca/destinations Opens in a new window. .
19 The cash back is accumulated each month, beginning with the January statement and ending with the December statement. Only primary cardholders are permitted to make a cash-back redemption. Authorized users are not eligible to redeem cash-back dollars. The primary cardholder may redeem cash back at any time during the year, provided they have a minimum cash-back balance of $25 at the time the redemption request is made. The minimum cash-back redemption amount is $25. Cash back will be credited to the primary cardholder’s account within 5 days of the date the redemption request is made. Any cash-back amount that is not redeemed by the primary cardholder by the last day of the period covered by your December statement will be automatically redeemed, resulting in your cash-back balance being reset to zero, and applied as a credit on your next statement, or, in limited circumstances, at such other time as may be permitted by CIBC. CIBC is not required to credit your account with cash back earned during a monthly statement period if your credit card account is not open and in good standing at any time during a monthly statement period. Credit card account must also be open and in good standing at the time the cash back is redeemed.
20 Aventura Points are earned on card purchases less returns, and not on cash advances, CIBC Global Money Transfers™, interest, fees, balance transfers, payments, regular CIBC Convenience Cheques or Aventura Points redemptions. Aventura Rewards and Program Terms may change without notice. Taxes, fees and surcharges may apply to Rewards. Aventura Points earned on purchases during a monthly statement period may not be credited to you if your card is not in good standing at any time during the monthly statement period. We may make special offers, including offers to earn Aventura Points on CIBC Global Money Transfers™, which may be for a limited period and contain additional terms and conditions.
21 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. A complete list of eligible CIBC products can be found at SPC and CIBC. Joint account holders of eligible CIBC products are not eligible for membership. You must also be a legal resident of Canada who is fourteen (14) years of age or over, but under the age of thirty (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.
Trade-mark/registered trade-mark of Student Price Card Ltd.
22 The CIBC Rewards Centre is operated by an independent travel service agency, Merit Travel Group Inc. Registration Numbers: ON.4499356, BC.34799, QC.703563.
23 Aventura Points can be redeemed for up to 100% of the cost of airfare, subject to maximum ticket price applicable to destination (see Aventura Airline Rewards Chart for more details), as well as (if you have sufficient Aventura Points) for taxes and other charges on airfare purchased through the CIBC Rewards Centre. Use of points towards taxes and fees is in addition to the number of points required for the base fare, as outlined on the Aventura Airline Rewards Chart. You must book all flights through the CIBC Rewards Centre. Some taxes and other charges may be collected locally or when you are travelling and cannot be prepaid; please ask an Aventura Travel Assistant for details.
24 Requested redemption amount must be equal to or less than the cardholder’s available Aventura Points balance. Aventura Points to dollars conversion ratio is determined by CIBC and can be changed at any time without notice. Shopping with Points redemptions are non-refundable, non-exchangeable and non-transferable unless you are advised otherwise. Only primary cardholders are permitted to perform a Shopping with Points redemption. Authorized Users are not eligible. Shopping with Points redemptions are eligible only for authorized transactions that are not posted to the card account. The redemption of your Aventura Points will be treated as a payment to your account and not as a credit. Refer to the Consumer Cardholder Agreement to learn how payments are applied to your account.
25 When you keep your CIBC Aeroplan credit card in Good Standing, your Aeroplan account automatically stays active and your points will not expire. For more information on Aeroplan’s inactivity policy, please visit Aeroplan Inactivity Policy Opens in a new window. .
26 Aventura Points will be cancelled if they remain unredeemed for 60 days after you voluntarily close your Aventura credit card account or within 12 months of the primary cardholder’s death.
27 For the CIBC Costco Mastercard, earn 3% on purchases (less returns) at merchants classified in the credit card network as Costco gas stations within Canada and 2% on purchases (less returns) at merchants classified in the credit card network as gas merchants on the first $5,000 net annual card purchases in this category on your account. After that, net card purchases at all gas merchants, including Costco, will earn 1% in Cash Back Rewards. Earn 2% on purchases (less returns) classified in the credit card network as Costco.ca Opens in a new window. purchases on the first $8,000 net annual card purchases in this category on your account. After that, net card purchases at Costco.ca Opens in a new window. will earn 1% in Cash Back Rewards. Purchases at merchants classified in the credit card network as restaurants will earn 3% and all other qualifying purchases will earn 1% in Cash Back Rewards. The $5,000 and $8,000 limit will reset to zero annually on January 1. Cash Back Rewards will be provided in the form of a Cash Back Gift Certificate issued in Canadian dollars to an eligible Primary Cardholder once per calendar year in January for the cash back earned in the prior calendar year. The Cash Back Gift Certificate can only be redeemed at any Canadian Costco Wholesale warehouse location. Authorized Users on the Account are not issued and cannot redeem Cash Back Gift Certificates. For the full Rewards Program terms and conditions, please see the Benefits Guide ( PDF, 1.2 MB) Opens in a new window. .
28 For the CIBC Costco Business Mastercard, earn 3% on purchases (less returns) at merchants classified in the credit card network as restaurants on the first $8,000 net annual card purchases in this category on your account. After that, net card purchases at all restaurants, will earn 1% in Cash Back Rewards. Earn 3% on purchases (less returns) at merchants classified in the credit card network as Costco gas stations within Canada and 2% on purchases (less returns) at merchants classified in the credit card network as gas merchant on the first $8,000 net annual card purchases in this category on your account. After that, net card purchases at all gas merchants, including Costco, will earn 1% in Cash Back Rewards. Earn 2% on purchases (less returns) classified in the credit card network as Costco.ca Opens in a new window. and Costcobusinesscentre.ca Opens in a new window. purchases on the first $8,000 net annual card purchases in this category on your account. After that, net card purchases at Costco.ca and Costcobusinesscentre.ca will earn 1% in Cash Back Rewards. Earn 2% on purchases (less returns) classified in the credit card network as shipping and professional services (this refers to eligible insurance premiums, deductibles and claim amounts) on the first $8,000 net annual card purchases in this category on your account. After that, net card purchases at merchants classified in the credit card network as shipping and professional services, will earn 1% in Cash Back Rewards. The $8,000 limits will reset to zero annually on January 1. Cash Back Rewards will be provided in the form of a Cash Back Gift Certificate issued in Canadian dollars to an eligible Primary Cardholder once per calendar year in January for the cash back earned in the prior calendar year. The Cash Back Gift Certificate can be redeemed at any Canadian Costco Wholesale warehouse location. Authorized Users on the Account are not issued and cannot redeem Cash Back Gift Certificates. For the full Rewards Program terms and conditions, please see the Benefits Guide (PDF, 795 KB) Opens in a new window.
29 Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada. You may contact the insurer at 1-866-363-3338 Opens your phone app. in Canada and the U.S. or collect from elsewhere at 905-403-3338 Opens your phone app. or visit CIBC Cards Insurance Benefits Opens in a new window. . Different cards will have different coverage(s). To learn about which coverage(s) are included with a specific card, and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, refer to the insurance certificate(s) in your card package or visit Agreements and Insurances. Some insurance coverage(s) require purchase(s) and other costs to be charged to the card to activate coverage. Other conditions may also apply. Certain coverages are “excess insurance” (all other sources of insurance and recovery must be exhausted before coverage is available).
30 To apply for a CIBC Costco Mastercard you must be a Costco member with a valid Costco membership. This applies to the Primary Cardholder and any Authorized Users. Authorized Users must have a valid Costco membership prior to being added to the account.
31 CIBC Pace It Installment Plans allow eligible cardholders to convert eligible card transaction(s) to monthly installment payments (including interest) over a fixed period of time. When you create an Installment Plan you will have the ability to choose the payment term (in months) with a corresponding annual interest rate. Once you accept the Installment Plan Terms and Conditions and the installment plan is created, you can cancel it at any time but you cannot change it. CIBC Pace It Installment Plans are only available: (a) on Accounts in good standing; and (b) for certain eligible Accounts and eligible Transactions. For complete Terms and Conditions, visit cibc.com/paceit skip to CIBC Pace It Terms and Conditions. .
32 Interest rates will change from time to time on at least 30 days prior notice to the Primary Cardholder. “Purchase” means card purchases less returns and does not include: cash advances, interest, fees, balance transfers, payments, or CIBC Convenience Cheques. “Cash” means cash advances, balance transfers and CIBC Convenience Cheques.
33 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.
34 The card is provided and administered by CIBC and also serves as your Costco membership card. When you have a card, you have a relationship with both Costco and CIBC.
35 Your CIBC Costco credit card account must be in Good Standing on Dec. 31 and the Primary Cardholder’s Costco membership must also be active on Dec. 31 to be eligible to receive a Cash Back Gift Certificate for rewards earned in that year. For the full Rewards Program terms and conditions, please see the CIBC Costco Mastercard Benefits Guide (PDF, 1.2 MB) Opens in a new window. or the CIBC Costco Business Mastercard Benefits Guide (PDF, 795 KB) Opens in a new window. .
