Rewards
Base earn rate1 point for every $2 spent
ProgramAventura Points
Welcome bonusEarn up to 12,500 Aventura Points for no annual fee
Rewards typepoints
Fees & rates
Annual fee$0
Purchase interest rateN/A
Foreign transaction fee2.5% (typical)
Standout perks
⭐
12-month Skip+ free trial when you link your CIBC credit or debit card with your Skip account
12 months free
⭐
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
⭐
Free SPC+ membership with up to 30% off 450+ brands
⭐
Send money abroad to over 120 countries with $0 transfer fee; cash advance fees don't apply and no interest if paid by due date
$0 transfer fee
⭐
CIBC by Expedia for booking flights, hotels, car rentals, vacation packages with 24/7 support
⭐
CIBC Pace It Installment Plans at lower interest rates
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
common carrier accident
100000
🛡️
purchase protection
Included — see issuer for details.
🛡️
extended warranty
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident