Rewards
Base earn rate0.5% cash back on everything else
ProgramDividend Cash Back
Welcome bonusJoin and earn up to $125 cash back
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 12-month Skip+ free trial with your CIBC credit or debit card
12 months free
⭐
Free SPC+ membership with up to 30% off 450+ brands
free membership
⭐
Send money abroad to over 120 countries with no transfer fee
$0 transfer fee
⭐
Earn 1% cash back when you book your next vacation 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
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident