Rewards
Base earn rate0.5% cash back on everything else
ProgramDividend Cash Back
Welcome bonusNone
Rewards typecashback
Fees & rates
Annual fee$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 when you link your card with Journie Rewards
up to 10 cents per litre
⭐
Get up to 30% off base rates with Avis Pay Now at participating locations worldwide
up to 30% off base rates
⭐
Get up to 35% off base rates with Budget Pay Now at participating locations worldwide
up to 35% off base rates
⭐
Send money abroad to over 120 countries with no transfer fee, no cash advance fees, and no interest if you pay your balance by the payment due date
$0 transfer fee
⭐
Get a 12-month Skip+ free trial when you link your CIBC credit card with your Skip account, plus exclusive savings and rewards with your Skip+ membership
12-month free trial
⭐
Earn 1% cash back when you book your next vacation with CIBCbyExpedia.com
1% cash back
⭐
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
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
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident