Best CIBC Credit Cards in Canada for 2025

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.

Here are the best CIBC credit cards in Canada, according to NerdWallet’s 2025 analysis.

Best CIBC credit cards in Canada

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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
	5.0/5	See Product Details†	See Product Details†	1x-2x Points
CIBC Dividend® Visa Infinite* Card					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
	5.0/5	$0	21.99%/22.99%	1-1.5x Points

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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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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