Best CIBC Credit Cards in Canada
CIBC, or the Canadian Imperial Bank of Commerce, is one of Canada’s 'Big Six' banks. It offers a broad range of credit cards for consumers and businesses — from flexible travel rewards cards to low-interest and cash-back options.
Best CIBC credit cards in Canada
Summary: Best CIBC credit cards
| Card | NerdWallet rating | Annual fee | Interest rates | Rewards rate | Apply Now |
|---|---|---|---|---|---|
| CIBC Aventura® Visa Infinite* Card | APPLY NOW on CIBC's website | ||||
 APPLY NOW on CIBC's website | 5.0/5 | See Product Details† | See Product Details† | 1x-2x Points | |
| CIBC Dividend® Visa Infinite* Card | APPLY NOW on CIBC's website | ||||
 APPLY NOW on CIBC's website | 5.0/5 | See Product Details† | See Product Details† | 1%-4% | |
| CIBC Adapta™ Mastercard® | APPLY NOW on CIBC's website | ||||
 APPLY NOW on CIBC's website | 5.0/5 | $0 | 21.99%/22.99% | 1-1.5x Points | |
Best CIBC credit cards
Rewards breakdown
Rewards breakdown
NerdWallet's take
NerdWallet's takeWith no annual fee and an intuitive rewards program, the CIBC Adapta Mastercard is a practical choice for cardholders with fluctuating spending habits. Adapta points can be redeemed for cashback, but when compared to other no-fee cash-back options, this card’s 1% cash-back rate isn’t hugely competitive. Best for: Those who want a no-fee, set-and-forget earn structure with straightforward, cash-style redemptions.
Pros
- No annual fee.
- Flexible earn rates that are automatically applied to your top spending categories monthly.
Cons
- Less competitive earn rates than other no-fee cashback cards.
Card details
Card details- Welcome Offer: Join and get up to $100 in value† with no annual fee.† Here’s how it adds up–
- Receive a Welcome Bonus of 3,000 Adapta points after your first purchase (up to $25 value)†
- Get 3,000 Adapta points when you spend $1,000 in the first 4 monthly statement periods (up to $25 value)†
- Includes membership to Roadside Assistance† after you make your first purchase. Services include battery boosting, gas delivery, towing and more, offered by Dominion Automobile Association ($50 value)†
- How do Adapta points work? Each month, you’ll automatically earn–
- 1.5 Adapta points for every dollar you spend in your top 3 spend categories.†
- 1 Adapta point for every dollar you spend on all other purchases.†
- What are Adapta points worth? 1,500 Adapta points are worth $10 when applied to your credit card balance or a recent purchase.† 1,200 Adapta points are worth $10 when used toward an eligible CIBC financial product.†
- Save over $600 with CIBC and Skip – Get a 12-month Skip+ free trial and other exclusive benefits when you link your CIBC Adapta Mastercard with Skip.†
- Save on gas with CIBC and Journie Rewards – Link and use your CIBC Adapta Mastercard with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
- CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Adapta card within the last 12 months.†
- †Terms and Conditions Apply. Select Apply Now to learn more.
Rewards breakdown
Rewards breakdownCash back on gas & electric vehicle charging.†
Cash back on groceries.†
Cash back on dining.†
Cash back on transportation.†
Cash back on recurring payments.†
Cash back on everything else.†
NerdWallet's take
NerdWallet's takeEarn attractive cash-back rates of up to 4% on groceries, gas and EV charging, but you’ll net less value once you hit the spending caps or venture outside the bonus categories. Best for: Cost-conscious households that spend big on fuel and groceries, seeking flexible cash-back rewards.
Pros
- Generous cash back rates of up to 4%.
- Car rental discounts of up to 35% with Avis and Budget.
- Gas discounts of up to 10 cents per litre at Pioneer, Fas Gas, Ultramar and Chevron stations.
Cons
- Limited travel insurance coverage.
- Higher than average $120 annual fee for a points card.
Card details
Card details- Welcome Offer: Join and earn up to $400 in value including a first year annual fee rebate.† Here's how you can earn up to $400 in value: Earn a 10% cash back welcome bonus of up to $250 (first 4 statements†). A $50 cash back bonus for setting up one pre-authorized payment within the first 4 monthly statements.† First year annual fee rebate valued at $120.†
- After that, get 4% cash back on eligible gas, EV charging, and grocery purchases.†
- 2% cash back on eligible transportation, dining purchases and recurring payments.†
- 1% cash back on all other purchases.†
- Get cash back on demand - redeem your cash back at any time when you have a minimum of $10 through CIBC Online and Mobile Banking®.†
- Save over $600 with CIBC and Skip – Get a 12-month Skip+ free trial and other exclusive benefits when you link your CIBC Dividend Visa Infinite Card with Skip.†
- Save on gas with CIBC and Journie Rewards – Link and use your CIBC Dividend® Visa Infinite* Card with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
- This is a digital-exclusive offer.† To be eligible for this offer: 1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and 2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.† This offer is reserved for you. Please do not forward it to anyone else.
- CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months.†
- †Terms and Conditions Apply. Select Apply Now to learn more.
Rewards breakdown
Rewards breakdownPoint for every $1 you spend on eligible gas, electric vehicle charging.
Point for every $1 you spend on groceries.
Point for every $1 you spend directly with Air Canada.
Point for every $1.50 you spend on all other purchases.
NerdWallet's take
NerdWallet's takeCIBC’s entry-level Aeroplan card earns an uncomplicated 1 point per dollar spent on groceries, gas, EV charging and Air Canada purchases. There are no annual fees, which will be welcome news for budget-focused travellers, but don’t expect a full suite of travel insurance. Best for: Travellers who want a no-fee starter card to collect Aeroplan points on everyday essentials.
Pros
- No annual fee.
- Car rental coverage.
- Free international money transfers.
Cons
- Low baseline rate of 0.67 Aeroplan points per $1 spent.
- Minimal travel insurance.
Card details
Card details- 1x Aeroplan points per dollar on gas, electric vehicle charging, groceries and Air Canada travel purchases, up to $40,000 annual spend.
- 1x Aeroplan points per $1.50 spent on all other purchases, including gas, electric vehicle charging, groceries and Air Canada travel purchases that exceed the $40,000 threshold.
- Earn points twice at over 150 Aeroplan partners and 170+ online retailers through the Aeroplan eStore.
- Aeroplan Points never expire and can be redeemed for a variety of travel, merchandise, gift card, and other rewards offered by Aeroplan’s participating partners and suppliers.
- $0 annual fee.
- Primary Aeroplan credit cardholders may get access to preferred pricing, which means you can book flight rewards for even fewer points.
- Get three free months of Uber Pass for discounts on rides, meals and more.
- Earn 1 Aeroplan point for every $6 spent on CIBC Global Money Transfer, with no transaction fees or interest as long as you pay your balance on time.
- Use the CIBC Pace It feature to make installment payments on large purchases.
- Four types of insurance are provided: car rental collision and loss damage insurance, purchase security and extended protection insurance, and common carrier travel accident insurance.
- Preferred rates: 20.99% for purchases, 22.99% for cash advances.
- To be eligible, $15,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
- The information for the CIBC Aeroplan® Visa* Card has been collected independently by NerdWallet. The card details on this page have not been reviewed or provided by the card issuer.
Rewards breakdown
Rewards breakdownPoints on gas & electric vehicle charging.
Points on groceries.
Points on direct Air Canada purchases.
Points on all other purchases.
NerdWallet's take
NerdWallet's takeA mid-tier Aeroplan card that earns accelerated points on groceries, gas, EV charging and Air Canada purchases, plus travel insurance and free checked bags on Air Canada itineraries. Just don’t expect high-end airport perks like priority check in or complimentary airport lounge access. Best for: Air Canada flyers who occasionally need to check a bag and want Aeroplan points without a premium price tag.
Pros
- Free first checked bags when you fly Air Canada.
- Free international money transfers.
Cons
- No airport lounge access.
Card details
Card details- Earn 10,000 Aeroplan points when you make your first purchase. Earn 20,000 Aeroplan points when you spend $4,000 or more during the first 4 monthly statements periods. Earn 15,000 Aeroplan points as an additional anniversary bonus when you have at least $10,000 in net purchases posted on your account during the first 12 monthly statement periods. Offer applies to new cardmembers only.
- 1.5x Aeroplan points for every dollar spent on gas, electric vehicle charging, groceries and direct Air Canada purchases, including Air Canada Vacations, up to a maximum annual spend of $80,000.
- 1x Aeroplan point for every dollar you spend on all other purchases.
- Earn points twice by providing your Aeroplan number at over 150 Aeroplan partners and more than 170 online retailers through the Aeroplan eStore.
- Points can be redeemed for flights, car rentals and hotel bookings, as well as merchandise and gift cards available in the Aeroplan eStore.
- $139 annual fee, which can be reduced each year if you have a CIBC Smart Plus account.
- Access to Visa Infinite offers, including exclusive benefits at luxury hotels, gourmet restaurants and wineries in British Columbia, Ontario and Sonoma Valley.
- Car rental discounts of up to 25% at participating Avis and Budget locations worldwide.
- The Aeroplan Family Sharing plan allows Aeroplan members in the same household to combine their points and speed up the delivery of their next flight reward.
- Primary cardholders hoping to reach Aeroplan Elite Status can receive 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in eligible purchases.
- Access to CIBC Pace It, an installment plan designed to help you pay off large or unexpected purchases over time at a lower interest rate.
- 13 types of insurance provided, including 15-day travel medical benefits (three days if you’re 65 or older on your departure date) — worth up to $5 million in coverage per insured person.
- Preferred rates: 20.99% for purchases, 22.99% for cash advances.
- To be eligible, $60,000 (individual) or $100,000 (household) annual income is required. You must also be a Canadian resident of the age of majority in the province or territory where you live who has not declared bankruptcy in the last seven years.
- The information for the CIBC Aeroplan® Visa Infinite Card has been collected independently by NerdWallet. The card details on this page have not been reviewed or provided by the card issuer.
Rewards breakdown
Rewards breakdownPoints for every $1 spent on travel purchased through the CIBC Rewards Centre.
Points for every $1 spent at eligible gas and electric vehicle charging stations.
Points for every $1 spent at eligible grocery stores.
Points for every $1 spent at eligible drug stores.
Point for every $1 spent on all other purchases.
NerdWallet's take
NerdWallet's takeAccess flexible reward redemptions, valuable travel insurance and up to 2x Aventura points on eligible dollars spent. Anyone who favours CIBC’s in-house rewards program will want to give this card a look. Best for: Travellers who want to enjoy a few airport lounge visits annually but don’t need premium-tier extras.
Pros
- Four free airport lounge passes annually via the Visa Airport Companion Program.
- NEXUS application fee rebates.
- 12-month Skip+ free trial.
Cons
- No trip cancellation or trip interruption coverage.
Card details
Card details- Welcome Offer: Join and earn up to $1,500 in value including a first year annual fee rebate!† Here's how You can earn up to $1,500 in value–
- Get up to 45,000 Aventura Points (up to $900 in travel value†):
- 15,000 Aventura Points when you make your first purchase†
- 30,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods†
- Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): up to $189 value.†
- Elevate your airport experience with 4 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: up to $277 in value.†
- Plus, get a NEXUS◊ Application Fee rebate†: A $160 value†
- Plus, enjoy extra valuable travel benefits–
- Travel when it’s right for you – your Aventura Points don’t expire†
- Redeem your Aventura Points for more than travel with our Shop With Points/Pay with Points features†
- Travel local - Aventura Points can be redeemed for more than just flights – use your points for hotels and car rentals for a weekend getaway
- 2 points for every $1 spent on travel purchased through the CIBC Rewards Centre†
- 1.5 points for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores†
- 1 point for every $1 spent on all other purchases†
- Save over $600 with CIBC and Skip – Get a 12-month Skip+ free trial and other exclusive benefits when you link your CIBC Aventura Gold Visa Card with Skip.†
- Save on gas with CIBC and Journie Rewards – Link and use your CIBC Aventura Gold Visa Card with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
- This is a digital-exclusive offer.† To be eligible for this offer: 1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and 2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.† This offer is reserved for you. Please do not forward it to anyone else.
- CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Aventura card within the last 12 months.†
- †Terms and Conditions Apply. Select Apply Now to learn more.
Rewards breakdown
Rewards breakdownPoints for every $1 spent on travel via the CIBC Rewards Centre.†
Points for every $1 spent at eligible gas & electric vehicle charging stations.†
Points for every $1 spent at eligible grocery stores.†
Points for every $1 spent at eligible drug stores.†
Points for every $1 spent everywhere else.†
NerdWallet's take
NerdWallet's takeThe appeal of this mid-tier points card is its flexibility: points on everyday earn categories, plus solid extras, like complimentary lounge access, travel insurance and NEXUS fee rebates. The caveat? This card’s highest earn rate (2x points) is limited to dollars spent via the CIBC Rewards Centre. Best for: Travellers who want occasional lounge access and flexible redemption options.
Pros
- Four airport lounge passes annually.
- NEXUS application rebates every four years.
- Robust travel insurance.
Cons
- 2x earn rate only applies to travel booked through the CIBC Rewards Centre.
- No priority airport services.
Card details
Card details- Welcome Offer: Join and earn up to $1,500 in value including a first year annual fee rebate!† Here's how you can earn up to $1,500 in value–
- Get up to 45,000 Aventura Points (up to $900 in travel value†):
- 15,000 Aventura Points when you make your first purchase.†
- 30,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods.†
- Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): up to $189 value.†
- Elevate your airport experience with 4 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: up to $277 in value.†
- Plus, get a NEXUS◊ Application Fee rebate†: A $160 value†
- Plus, enjoy extra valuable travel benefits.
- Travel when it’s right for you – your Aventura Points don’t expire.†
- Redeem your Aventura Points for more than travel with our Shop With Points/Pay with Points features.†
- Travel local - Aventura Points can be redeemed for more than just flights – use your points for hotels and car rentals for a weekend getaway.
- 2 points for every $1 spent on travel purchased through the CIBC Rewards Centre.†
- 1.5 points for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores.†
- 1 point for every $1 spent on all other purchases.†
- Save over $600 with CIBC and Skip – Get a 12-month Skip+ free trial and other exclusive benefits when you link your CIBC Aventura Visa Infinite Card with Skip.†
- Save on gas with CIBC and Journie Rewards – Link and use your CIBC Aventura Visa Infinite Card with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
- This is a digital-exclusive offer.† To be eligible for this offer: 1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and 2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.† This offer is reserved for you. Please do not forward it to anyone else.
- CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Aventura card within the last 12 months.†
- †Terms and Conditions Apply. Select Apply Now to learn more.
Rewards breakdown
Rewards breakdownPoints on travel purchased through the CIBC Rewards Centre.
Points on eligible dining.
Points on eligible gas & electric vehicle charging.
Points on eligible groceries.
Points on everything else.
NerdWallet's take
NerdWallet's takeA metal credit card equipped with all the bells and whistles of a high-end travel companion: accelerated points on travel spending, airport lounge access and an annual travel credit. The trade-offs are what you'd expect at this tier: six-figure annual income eligibility criteria and a sizable annual fee. Best for: Cardholders who spend big on travel and want a card that unlocks luxurious experiences to match.
Pros
- Six complimentary airport lounge visits annually.
- $200 annual travel credit.
- Two NEXUS application fee rebates every four years.
Cons
- Steep $499 annual fee.
- High annual income requirement of $150,000 per individual or $200,000 per household.
Card details
Card details- Earn 25,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods. Earn 25,000 Aventura Points when you spend $6,000 or more in the first 4 monthly statement periods. Earn 30,000 Aventura Points as an additional anniversary bonus.
- Receive 6 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: over $340 value.
- Get a $200 annual Travel Credit. Plus, get 2 NEXUS™ Application Fee rebates: a $134 value.
- Earn 3 points for every $1 spent on travel purchased through the CIBC Rewards Centre.
- Earn 2 points for every $1 spent on eligible dining, entertainment, transportation, gas, electric vehicle charging, and groceries.
- Earn 1.25 points for every $1 spent on all other purchases.
- Earn 1.25 Aventura Points for every $4.00 spent on a CIBC Global Money Transfer™. There are no transaction fees and no interest charged as long as the balance is paid by the payment due date.
- Redeem points for airline tickets, merchandise, gift cards and more.
- Apply points toward a CIBC Aventura credit card balance or select CIBC financial products.
- $499 annual fee.
- Unwind at the airport in a relaxing lounge with 6 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program. Speed up border crossings with 2 NEXUS application fee rebates every 4 years.
- Access business class bookings exclusive to this card for a future getaway.
- Enjoy dedicated taxi and limo services, exclusive dining and wine experiences, VIP benefits at luxury hotels and more with Visa Infinite Privilege.
- Get up to 25% off auto rentals at participating Avis® and Budget® locations worldwide when you pay with your Aventura card.
- Link a Journie Rewards card to save on every fill-up at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.
- Preferred rates: 20.99% for purchases, 22.99% for cash advances (21.99% for cash advances if you live in Quebec).
- The information for the CIBC Aventura® Visa Infinite Privilege* Card has been collected independently by NerdWallet. The card details on this page have not been reviewed or provided by the card issuer.
Rewards breakdown
Rewards breakdownCash back on eligible grocery purchases.
Cash back on eligible gas & EV charging.
Cash back on eligible transportation.
Cash back on eligible dining purchases.
Cash back on eligible recurring payments.
Cash back on all other purchases.
NerdWallet's take
NerdWallet's takeThis beginner-friendly credit card keeps it simple for first-time cardholders with boosted cash back where it counts for students: 2% on groceries and 1% on other daily essentials. Best for: Students who want a straightforward cash-back card with extra earning power on groceries.
Pros
- No annual fee.
- No minimum income requirements.
- 12-month Skip+ free trial.
Cons
- No travel insurance.
- Credit limits are capped at $5,000 for domestic students and $2,000 for international students.
Card details
Card details- Welcome Offer: Join and earn up to $125 in value† Here’s how it adds up–
- Get $25 cash back after you make your first purchase within the first 4 monthly statements.†
- Get a 10% cash back welcome bonus for the first 4 monthly statements (up to $100 cash back).†
- Plus, get 2% cash back on eligible grocery purchases!†
- 1% cash back on eligible gas, EV charging, transportation, dining purchases and recurring payments†
- 0.5% cash back on all other purchases†
- Get cash back on demand - redeem your cash back at any time when you have a minimum of $10 through CIBC Online and Mobile Banking®†
- Save over $600 with CIBC and Skip – Get a 12-month Skip+ free trial and other exclusive benefits when you link your CIBC Dividend Visa Card for Students with Skip.†
- Get all the student-life essentials on a budget – Eligible student clients can get a free SPC+ membership, and receive over 450 deals on everyday purchases, bigger discounts, special experiences and exclusive giveaways. Start banking with CIBC and make student life more rewarding.†
- This is a digital-exclusive offer.† To be eligible for this offer: 1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and 2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.† This offer is reserved for you. Please do not forward it to anyone else.
- CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend ard within the last 12 months.†
- †Terms and Conditions Apply. Select Apply Now to learn more.
Rewards breakdown
Rewards breakdownPoints for Air Canada bookings.
Points on travel.
Points on transportation.
Points on dining.
Points on services like shipping, internet, cable and phone.
Point on everything else.
NerdWallet's take
NerdWallet's takeA low-rate, travel-friendly business card that earns Aeroplan points and comes with some airport perks and travel insurance. Just know that airport lounge access isn’t automatic: you earn one guest pass for every $10,000 you charge to your card. Best for: Businesses that typically carry a card balance and occasionally fly Air Canada.
Pros
- Purchase interest rates as low as 12.99%.
- Free checked bags on Air Canada flights.
- Some travel insurance.
Cons
- No travel medical coverage.
- Maple Leaf Lounge passes must be earned.
- Highest 2x earn rate only applies to Air Canada spending.
Card details
Card details- $180 annual fee (first year rebated).
- 12.99% - 18.99% purchases APR.
- 2x Aeroplan points for Air Canada bookings.
- 1.5x Aeroplan points on travel, transportation, dining and other services.
- 1x Aeroplan point on everything else.
- Earn points twice through the Aeroplan eStore.
- Insurance coverage include trip cancellation, trip interruption, flight delay, baggage insurance, rental car coverage, purchase security, extended protection and common carrier accident insurance.
- Complimentary upgrade to Avis Preferred Plus.
- Free first checked bag for you, your authorized users and up to eight companions every time you fly with Air Canada.
- Earn up to four complimentary Maple Leaf Lounge One-Time Guest Passes per year.
- Authorized users can access travel benefits even when travelling without you.
- Get an extra night free for every three hotel nights redeemed with Aeroplan points.
- The information for the CIBC Aeroplan® Visa* Business Card has been collected independently by NerdWallet. The card details on this page have not been reviewed or provided by the card issuer.
NerdWallet's take
NerdWallet's takeThis low-fee card doesn’t earn rewards, but its gas discounts, fee-free global money transfers and low ongoing interest rates could be a valuable trade-off. Best for: Those who typically carry a card balance and want to save on interest.
Pros
- Low $29 annual fee.
- Low 13.99% purchase and cash advance interest rate.
- Up to 10 cents off per litre at Pioneer, Fas Gas, Ultramar and Chevron gas stations.
Cons
- Doesn’t earn rewards.
- Limited insurance coverage.
Card details
Card details- †$29 annual fee (first and second year rebated).
- †Purchase Interest Rate: 13.99%.
- †Cash Advance Interest Rate: 13.99%.
- Transfer your credit card balance of $100 or more - Get 0% interest for up to 10 months with a 1% transfer fee† (BT fee does not apply for Quebec residents) and a two year annual fee rebate.†
- Check full offer details below†:
- Transfer your credit card balance of $100 of more and get 0% interest for up to 10 months with a 1% transfer fee.† (BT fee does not apply for Quebec residents)
- Transfer up to 50% of your assigned credit limit.†
- If you choose to carry a balance and you make your minimum payments on time, a balance transfer could save you money on interest.
- Take advantage of this 0% introductory interest rate on balance transfers of $100 or more for your first 10 months. You’ll only have to pay a 1% fee† (BT fee does not apply for Quebec residents) when you transfer your balance from another card to the CIBC Select Visa Card.
- This balance transfer offer is only available at the time of your online application.† Simply tick the checkbox to select the balance transfer option when you’re filling out your application. Once you take advantage of this offer, you will have a promotional rate balance on your account. As a result, you will lose your interest-free grace period on new purchases unless you pay your amount due, including any promotional rate balances, in full each month. While you will enjoy the promotional rate on the balances you transfer by using this offer, new purchases will be subject to the purchase interest rate.
- Balance transfers of amounts less than $100 are not eligible for this promotional balance transfer offer and will be subject to the regular interest rate for Cash Advances applicable to your account.
- Save over $600 with CIBC and Skip – Get a 12-month Skip+ free trial and other exclusive benefits when you link your CIBC Select Visa Card with Skip.†
- Save on gas with CIBC and Journie Rewards – Link and use your CIBC Select Visa Card with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
- †Terms and Conditions Apply. Select Apply Now to learn more.
Rewards breakdown
Rewards breakdownCash back at restaurants.
Cash back at Costco gas.
Cash back at other gas stations.
Cash back at Costco.ca.
Cash back on all other purchases including at Costco.
NerdWallet's take
NerdWallet's takeThis no-annual-fee Costco card offers 3% back on restaurants and Costco gas, 2% back on Costco.ca purchases and a flat 1% back everywhere else. You’d imagine this card’s highest cash-back rate would apply to Costco warehouse purchases, but you’d be wrong. Costco regulars may want to consider other cash-back cards that reward in-store purchases. Best for: Costco members who want a card that boosts dining and fuel spend and don’t mind redeeming cash-back rewards in-warehouse.
Pros
- No annual fee.
- Cash-back rates of up to 3%.
Cons
- Cash back can only be redeemed at Costco.
- Eligibility requires an active Costco membership.
Card details
Card details- 3% cash back at restaurants and at Costco gas.
- 2% cash back at other gas stations and at Costco.ca.
- 1% cash back on all other purchases, including at Costco.
- No annual fee.
- Pay for purchases of $100 or more with CIBC Pace It low-rate Installment Plans, spreading payments over a fixed term. Take advantage of special Installment Plan interest rates with no installment fees on eligible Costco purchases in Canada and at Costco.ca.
- Make quick and secure payments using Apple Pay®, Google Pay™ and Samsung Pay® when you add your new card to your mobile wallet.
- Redeem your annual cash back gift certificate at any Canadian Costco warehouse.
- Get 0.25% cash back for every $1 spent on a CIBC Global Money Transfer™. There are no transaction fees, and interest won’t be charged, as long as the balance is paid by the payment due date.
- Preferred rates: 19.75% for purchases, 21.49% for cash advances.
- To be eligible, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live. You must also have a valid Costco Wholesale membership.
- The information for the CIBC Costco®† Mastercard® has been collected independently by NerdWallet. The card details on this page have not been reviewed or provided by the card issuer.
Rewards breakdown
Rewards breakdownPoints on Air Canada purchases.
Points on gas & electric vehicle charging.
Points on groceries.
Points on travel.
Points on dining.
Points on other purchases.
NerdWallet's take
NerdWallet's takeThis top-shelf Aeroplan card is stacked with perks, including up to 2x points on eligible purchases, unlimited Maple Leaf Lounge access, priority airport services and more. The hefty annual fee and high income criteria place it firmly in premium territory. Best for: Air Canada loyalists who can make the most of top-tier travel benefits to offset this card’s sizable annual fee.
Pros
- Unlimited Maple Leaf Lounge visits, plus six complimentary Visa Airport Companion Program passes annually.
- Free checked bags.
- Priority check in, boarding and baggage handling.
Cons
- Steep $599 annual fee.
- $150,000 individual or $200,000 household annual income requirement.
Card details
Card details- Get up to 110,000 Points: You’ll receive 20,000 Aeroplan points when you make your first purchase, another 30,000 points if you spend $6,000 or more during your first four monthly statement periods, and 60,000 more points as an additional anniversary bonus if you have at least $25,000 in net eligible purchases posted on your account during the first 12 monthly statement periods. This offer only applies to newly approved card accounts.
- 2x Aeroplan points on Air Canada purchases, including Air Canada Travel Vacations.
- 1.5x Aeroplan points on gas, electric vehicle charging, groceries, travel and dining, up to annual $100,000 spend.
- 1.25x Aeroplan points on other purchases.
- Earn points twice by providing your Aeroplan number at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore.
- Points can be redeemed for flights, car rentals and hotel stays, as well as complete vacation packages like cruises and all-inclusive resort visits. Points can also be redeemed for gift cards and merchandise sold through the Aeroplan eStore.
- $599 annual fee, which can be reduced by up to $139 each year if you have a CIBC Smart Plus account.
- An annual Worldwide Companion Pass, worth up to $599, to any destination in the world that Air Canada flies when you spend $25,000 on your card.
- Exclusive access to Visa Infinite Luxury Hotel Program, Visa Infinite Dining Series and the Visa Infinite Wine Country Program.
- Reach Aeroplan Elite status sooner by earning 1,000 Status Qualifying miles and one Status Qualifying segment for every $5,000 you spend on eligible purchases.
- Save up to 25% on car rentals at participating Avis and Budget locations.
- Authorized users can access travel benefits when travelling without you by linking their Aeroplan number.
- Access to CIBC Pace It, an installment plan designed to help you pay off large or unexpected purchases over time at a lower interest rate.
- 13 types of insurance provided, including 31-day travel medical benefits (10 days if you’re 65 or older on your departure date) — worth up to $5 million in coverage per insured person.
- Preferred rates: 20.99% for purchases, 22.99% for cash advances.
- To be eligible, $150,000 (individual) or $200,000 (household) annual income is required. You must be a Canadian resident who has reached the age of majority in your province or territory and who hasn’t made a bankruptcy claim in the last seven years.
- The information for the CIBC Aeroplan® Visa Infinite Privilege Card has been collected independently by NerdWallet. The card details on this page have not been reviewed or provided by the card issuer.
Methodology
BACK TO TOPWe selected the best CIBC cards in Canada based on overall consumer value and their suitability for specific kinds of consumers. Factors in our evaluation methodology include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features.
Types of CIBC credit cards
CIBC offers several types of credit cards to suit different goals — whether you want to earn travel rewards, save on interest, manage business spending or start building credit.
Here’s how each card type works and what programs or features set them apart.
CIBC Aeroplan Credit Cards
Best for: Frequent flyers and travel enthusiasts
Aeroplan cards let you earn Aeroplan points, part of Air Canada’s loyalty program. Points can be redeemed for flights, seat upgrades, hotels and more, and many cards include extra travel perks like free checked bags, lounge access and insurance coverage.
Options include:
CIBC Aeroplan® Visa* Card.
CIBC Aeroplan® Visa* Card for Students.
CIBC Aeroplan® Visa Infinite Card.
CIBC Aeroplan® Visa Infinite Privilege Card.
CIBC Aeroplan® Visa* Business Card.
CIBC Aeroplan® Visa* Business Plus Card.
CIBC Aventura Credit Cards
Best for: Flexible travel rewards
Aventura cards earn Aventura Points, which can be redeemed for travel, merchandise or statement credits through the CIBC Rewards Centre. They’re ideal if you value travel flexibility over airline-specific perks.
Options include:
CIBC Aventura® Visa* Card.
CIBC Aventura® Visa* Card for Students.
CIBC Aventura® Gold Visa* Card.
CIBC Aventura® Visa Infinite* Card.
CIBC Aventura® Visa Infinite Privilege* Card.
CIBC U.S. Dollar Aventura® Gold Visa* Card.
CIBC Aventura® Visa* Card for Business.
CIBC Aventura® Visa* Card for Business Plus.
CIBC Dividend and Cash-Back Credit Cards
Best for: Straightforward cash-back rewards
Dividend cards earn cash back on everyday purchases, with bonus rates for common categories like groceries, gas, dining and recurring bills. Rewards can be redeemed easily as statement credits.
The CIBC Costco Mastercard® and CIBC Costco Business Mastercard® also earn cash back, but they’re issued through a separate partnership with Costco and follow a different rewards structure.
Options include:
CIBC Dividend® Visa* Card.
CIBC Dividend® Visa* Card for Students.
CIBC Dividend Platinum® Visa* Card.
CIBC Dividend® Visa Infinite* Card.
CIBC Costco Mastercard®.
CIBC Costco Business Mastercard®.
CIBC Adapta Credit Cards
Best for: Rewards that “adapt” to match your spending habits
Adapta cards automatically give you bonus points in your top spending categories each month, so your rewards adjust as your spending changes.
Options include:
CIBC Adapta™ Mastercard® for Students.
CIBC Low-Interest Credit Cards
Best for: Reducing interest costs and managing balances
If you tend to carry a balance, a low-interest credit card can help you save on interest and manage cash flow more efficiently. These cards often feature promotional balance-transfer rates to help you pay down existing debt faster.
Options include:
CIBC bizline® Visa* Card.
CIBC Select Visa* Card.
CIBC Classic Visa Credit Card
Best for: Everyday use and building or maintaining credit
The CIBC Classic Visa* is a straightforward, no-frills credit card designed for people who want a simple way to make purchases and build credit history. It doesn’t earn rewards, but doesn’t charge an annual fee and has optional insurance add-ons, making it a solid choice for those who prefer simplicity or need a secondary card.
It’s also available in a student version, helping new credit users establish a positive payment record.
CIBC Student Credit Cards
Best for: Students looking to establish credit and learn responsible card use
CIBC offers student versions of many of its popular cards, including Aeroplan, Aventura, Dividend and Adapta options. These cards typically have lower credit limits and no or low annual fees, helping students start their credit journey.
Options include:
CIBC Adapta™ Mastercard® for Students.
CIBC Aeroplan® Visa* Card for Students.
CIBC Aventura® Visa Card for Students.
CIBC Classic Visa* Card for Students.
CIBC Dividend® Visa* Card for Students.
CIBC Newcomer Credit Cards
Best for: Newcomers to Canada building credit
CIBC offers cards designed for people new to Canada or those establishing credit history, often with lower annual fees and simpler approval requirements.
Options include:
CIBC Adapta™ Mastercard®.
CIBC Aventura Gold® Visa* Card.
CIBC Dividend® Visa* Card.
CIBC Dividend Platinum® Visa* Card.
CIBC Business Credit Cards
Best for: Managing business spending and earning rewards
Business cards come in Aeroplan, Aventura, Dividend and Costco versions, with features like employee cards, expense tracking and higher credit limits.
Options include:
CIBC Aeroplan® Visa* Business Card.
CIBC Aeroplan® Visa* Business Plus Card.
CIBC Aventura® Visa* Card for Business.
CIBC Aventura® Visa* Card for Business Plus.
CIBC Costco Business Mastercard®.
CIBC bizline® Visa* Card.
CIBC Corporate Classic Plus Visa* Card.
How to choose the right CIBC credit card
When comparing CIBC cards, start by identifying what you want your card to do for you.
Want to earn rewards for travel? Choose Aeroplan if you fly Air Canada often and value airline perks, and choose Aventura if you want flexible travel redemption options.
Prefer to earn simple cash-back rewards? Pick a CIBC Dividend or Costco card that matches your spending patterns (e.g., groceries, gas, recurring bills).
Planning to carry a balance? Opt for a low-interest card like the CIBC Select Visa* to save on interest instead of chasing rewards.
Trying to build or rebuild credit? A student, newcomer or secured card can help you establish a positive credit history.
Do you run a business? Consider a business card with tools for tracking expenses and issuing employee cards.
Before applying, compare each card’s annual fee, earn rates, and eligibility requirements (such as minimum income for Visa Infinite or Infinite Privilege).
Aim for the card that delivers the most value based on how you spend — not just the one with the biggest welcome bonus.
CIBC credit card costs and eligibility
CIBC’s card lineup ranges from no-fee student and entry-level cards to premium travel cards with annual fees as high as $599.
Visa Infinite and Infinite Privilege cards require minimum personal or household income levels to qualify. Always compare annual fees, earn rates and benefits to ensure the rewards outweigh the costs.
CIBC credit card contact details
You can contact CIBC customer service online, by mail or by phone.
General questions: 1-800-465-4653.
Lost or stolen credit cards: 1-800-663-4575.
CIBC rewards: 1-888-232-5656
How to cancel your CIBC credit card
If you no longer need your CIBC credit card, you can cancel it over the phone, by mail or by fax. Once cancelled, you should cut up the card and destroy any convenience cheques associated with the account. You’ll also want to cancel any recurring payments made with the card, or switch to a new payment method.
What happens to my points?
If your card collects Aventura, Adapta or Gold Bonus Points, you have 60 days from the date the card is cancelled to redeem the points.
Aeroplan points are automatically transferred to your Aeroplan account, which is not affected by the card’s cancellation.
What happens to my cash back?
If you have a CIBC cash-back card, any remaining cash is either applied to the outstanding balance or mailed to you upon cancellation. If you carry the CIBC Costco®† Mastercard®, you lose any cash back you earned when the account is cancelled.
Frequently asked questions
How can I pay my CIBC credit card bill?
You can pay your CIBC credit card bill online, through the mobile banking app, over the phone or in person at any CIBC Banking Centre or ATM. You can also set up recurring payments so you never miss a payment.
How do I activate a CIBC credit card?
When you receive your new CIBC credit card, you can activate it online or through the mobile banking app. Sign in to your account or sign up for a new account to begin the activation process.
How do I change my CIBC credit card PIN?
You can change the personal identification number (PIN) on an existing CIBC credit card online, through the mobile banking app or at a CIBC ATM. If changed online or via the app, you must use the card and PIN feature within 14 days, either at an ATM or via an in-person transaction.
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