Annual Fee
$0
Extra Card Fee
$0
Purchase
19.99%
Cash Advance
22.99%
Balance Transfer
22.99%
Personal Income
N/A
Household Income
N/A
Canadian resident who has reached the provincial age of majority.
  • Earn 1 point for every $1 spent on gas, groceries, and drugstore purchases.
  • Earn 1 point for every $1 spent through the CIBC Rewards Centre.
  • Earn 1 point for every $2 spent elsewhere.
  • Earn up to 2,500 bonus welcome points.
  • Reward points that do not expire and can be used on any airline to travel at any time.
  • Flexible rewards you can redeem for travel, gift cards, merchandise, financial products, or even to make payments towards your credit card balance.
  • Access to CIBC Travel Concierge Service for 24/7 personalized trip planning.
  • 5 different types of insurance including 15 days of emergency medical.
  • No annual fee for the main cardholder or 3 additional cards.
Extended Warranty 1 year
Purchase Protection 90 days
Travel Accident $100,000
Rental Car Theft & Damage Yes

Please review your insurance certificate for details, exclusions and limitations of your coverage.

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The creditcardGenius algorithm calculates an estimated dollar value for all rewards and bonuses by using a typical point value a person can realistically achieve by redeeming their rewards in a reasonably optimized way. The "Welcome Bonus" is the dollar value obtained by combining of all one-time bonuses available to new cardholders within the first year. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. Terms and conditions apply.

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