Rewards
Base earn rate1% cash back on everything else
ProgramCIBC Dividend Cash Back
Welcome bonusJoin and earn up to $450 in value including an annual fee rebate
Rewards typecashback
Fees & rates
Annual fee$120
Additional card$30
Purchase interest rateN/A
Foreign transaction fee2.5% (typical)
Standout perks
🎩
24-hour complimentary concierge services with the Visa Infinite program
⭐
Hotel benefits and unique dining events with the Visa Infinite program
💳
Send money abroad to over 120 countries with $0 transfer fee
0
⭐
Save on car rentals with Avis Pay Now or Budget Pay Now
Up to 30% off base rates with Avis, up to 35% off with Budget
⭐
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 a 12-month Skip+ free trial when you link your CIBC credit card with your Skip account
12-month free trial
⭐
Earn 2% cash back when you book your next vacation with CIBCbyExpedia.com
2% cash back
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