Best CIBC credit cards in Canada

You can get a first year $120 annual fee rebated for you and up to 3 authorized users.

Then, it's one of the best cash back credit cards on the market where you can earn 4% cash back on gas, EV charging and groceries. You'll also earn 2% cash back on dining, commuting (transit, Ubers, etc.), recurring payments and other bills, and 1% cash back on everything else.

Insurance: CIBC gives you mobile device insurance, purchase security, and extended warranty insurance. Great for all your tech. If you travel, they also give you the highly coveted emergency medical, $500,000 in travel accident insurance, and credit card rental car insurance.

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.†

For $139 travel card, it comes loaded with 12 types of insurance, 4 airport lounge passes, a NEXUS aplication fee rebate, and a sizeable welcome bonus.

It's one of the best CIBC travel credit cards for its value. You can get more perks with the CIBC Aventura Visa Infinite Privilege, but you'll pay $499. (Though with an annual $200 travel voucher, two NEXUS rebates, and six lounge passes—it's a great CIBC travel card for a couple).

With the Aventura Visa Infinite, you earn 2 points per $1 on travel booked through the CIBC Rewards Centre, 1.5 points per $1 on gas, EV charging, groceries, and drugstore purchases.

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.†

With a lucrative welcome offer, solid earn rates, a valuable lounge access package, and comprehensive insurance, the CIBC Aventura^® Gold Visa* Card offers very well rounded value for any traveller.

The card’s combined travel value is particularly notable given its low minimum annual household income requirement of $15,000^†; travel credit cards of this caliber usually require a $60K minimum annual income or more.

The Aventura^® Points that the card earns are noteworthy, because unlike with many travel rewards programs, Aventura^® Points can be used to cover taxes and fees, and they can be redeemed at a max value of up to $0.02 per point. That’s double the redemption value you’ll get for most travel rewards programs.

There are a number of competitive travel credit cards in Canada, but what makes this card stand out to us is its accessibility. If you have a good credit score and are willing to pay the annual fee, you can most likely qualify for it regardless of your income, which is very rare among travel credit cards at this level.

While it doesn't cover all major types of insurance (for example, no flight cancellation), it does give you the highly coveted out-of-province emergency travel medical insurance, even if your trip was not charged to the card. It also offers travel accident, flight delay and baggage insurance, and credit card car rental insurance. Then it gives you purchase security, extended warranty, mobile device insurance and hotel burglary insurance.

Those who are interested in the card and make more than $60K† annually should instead apply for the CIBC Aventura Visa Infinite Card, which has a slightly better insurance package and identical features otherwise.

Lounge access: Elevate your airport experience with four complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: over $190 in value.†

Special feature: NEXUS◇application fee rebate ($50 U.S. value)†

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 eligible card within the last 12 months.†

†Terms and Conditions Apply

This offer is not available for the residents of Quebec. For Quebec Residents offer - visit CIBC.com product page here

Résidents du Québec : Pour en savoir plus sur ce produit CIBC, suivez ce lien.

Because it's the only Mastercard CIBC offers. Well, they also have a CIBC Costco Business Mastercard

While the 3% cash back at restaurants and Costco gas, and 2% cash back at other gas stations and at Costco.ca is nice, it's biggest benefit comes if you're only buying gas at Costco. A friend of mine stalled his car trying to get to Costco for gas. After walking to the station, the attendant told him to buy a jerry can from Costco because he didn't supply one.

If you're a Costco member and buy big items from them online, it's worth it for the no annual fee.

†Terms and Conditions apply

The information for the Costco Mastercard has been collected independently by Money.ca. The card details on this page have not been reviewed or provided by the card issuer.

The CIBC Select Visa* Card is one of Canada’s best low interest credit cards overall, and is particularly notable for its best-of-both-worlds balance transfer deal: New cardholders can get 0% interest on balance transfers for 10 months, with a low 1% balance transfer fee.† Aside from its balance transfer promotion the card also offers a competitive 13.99%† purchase annual interest rate, 13.99%† cash advance annual interest rate, as well as 13.99%† a balance transfer annual interest rate on balance transfers made outside the special promotion. The $29 annual fee makes it relatively low risk to try out, particularly given that the fee is rebated for the first year.†

Key features:

Annual fee: $29 (First year annual fee rebate. $0 for up to 3 additional cards.†)

Balance transfer: 0% interest for up to 10 months with a 1% transfer fee†

Rates: 13.99%† purchase annual interest rate, 13.99%† cash advance annual interest rate, and 13.99%† balance transfer annual interest rate

The CIBC Select Visa* Card is a solid low interest card overall, and a market leader in balance transfer credit card promotions. It’s a great option for those who are carrying high-interest credit card debt and need a window of opportunity to pay it off, without worrying about it accumulating more interest in the process.

† Terms and Conditions apply

The CIBC Dividend Platinum® Visa* Card stands out as one of CIBC's best cash back credit cards. for earning cash back on eligible gas, EV charging, and groceries, with a 3% cash back rate in those categories after the Welcome Offer ends†. The card’s overall value is made even more impressive given its relatively easy access: Anyone who earns more than $15K annually and has a good credit score is eligible†.

Earn rates: After the Welcome Offer ends 3% 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 eligible purchases†; Get cash back on demand – redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking®†

Annual fee: $99 (first year rebated)†

Supplementary cards: $30 per year (3 max), rebated in the first year.

The CIBC Dividend Platinum® Visa* Card has some of Canada’s best cash back rates for gas and groceries, which are typically the two largest line items in an average budget. Take a look at your monthly expenditures: if gas and groceries are where you’re putting most of your loonies, we recommend that you strongly consider switching to this card. The annual fee is rebated in the first year†, and you can make up the $99 annual fee in cash back thereafter if you spend at least $275 each month on gas and groceries (and/or EV charging).

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 eligible card within the last 12 months.†

†Terms and Conditions Apply

This offer is not available for the residents of Quebec. For Quebec Residents offer - visit CIBC.com product page here

Résidents du Québec : Pour en savoir plus sur ce produit CIBC, suivez ce lien.

This is the best CIBC newcomer credit card.

Though the CIBC Dividend^® Visa* Card is the most appealing no annual fee card among the CIBC card suite, it’s not super competitive with other best no annual fee cards pound for pound, and its cash back structure is a bit complicated. After the Welcome Offer ends, get 2% cash back on eligible grocery purchases and up to 1% cash back on eligible gas, EV charging, transportation, dining purchases, and recurring payments^†, and 0.5% cash back on all other eligible purchases.^†

The CIBC Dividend^® Visa* Card is an option if you absolutely need a Visa card, as, for whatever reason, most of the top no annual fee cards in Canada are Mastercards. But if you’re willing to compromise on that front, we suggest exploring other options. There are other no annual fee cards that can potentially earn back as much or more on groceries, like the BMO CashBack Mastercard or the PC Financial World Elite Mastercard, and there are also alternative no annual fee cash back cards that earn 1% or more on all spending, all the time, like the AMEX SimplyCash.

Other features: Get cash back on demand – redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking^®†

Check out: Low-interest installment payments available via CIBC’s Pace It™️ program†

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 eligible card within the last 12 months.†

†Terms and Conditions Apply

This offer is not available for the residents of Quebec. For Quebec Residents offer - visit CIBC.com product page here

Résidents du Québec : Pour en savoir plus sur ce produit CIBC, suivez ce lien.

If you're looking for a CIBC credit card for balance transfers, look no further than the CIBC select Visa.

Reduce interest payments with this low interest rate credit card.

Transfer your credit card balance and get 0% interest for up to 10 months with a 1% transfer fee and a first year annual fee rebate.

Not good enough? Check out our best balance credit card offers.

†Terms and Conditions Apply

CIBC appears to be one of the few banks where students are actually given preferential treatment; the welcome bonus that comes with this student version of the Aventura card makes the card perhaps even more appealing than the regular version. Plus it has the added advantages of SPC membership (normally $10 per year).^† Overall it’s one of the strongest student cards in Canada.

While it doesn't earn you cash back, it does reward your spending with one of the most flexible travel rewards programs. Check out the CIBC Rewards Centre to book your flights and watch your points add up on everyday purchases like gas, groceries and drug store purchases.

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 eligible card within the last 12 months.†

†Terms and Conditions Apply

This offer is not available for the residents of Quebec. For Quebec Residents offer - visit CIBC.com product page here

Résidents du Québec : Pour en savoir plus sur ce produit CIBC, suivez ce lien.

To link your CIBC credit card to your Aeroplan account, start by confirming that your CIBC card is eligible for Aeroplan point accumulation. With any of these credit cards above, you're good to go.

Next, If you don't have an Aeroplan account, you'll need to create one on the Aeroplan website and obtain your Aeroplan number. Once you have your account, you can link your credit card in several ways.

1.You can do this through CIBC’s online banking or mobile app by navigating to the credit card section and entering your Aeroplan number.

2. Alternatively, you can link your card via the Aeroplan website by logging into your account and adding your CIBC credit card under the appropriate section.

3. If you prefer, you can also accomplish this by contacting CIBC or Aeroplan customer service over the phone.

After linking, it’s wise to verify that the process was successful by checking your Aeroplan account or getting in touch with customer service. It’s also important to understand how the Aeroplan points accrual works with your specific CIBC card, including the rate at which you earn points and any related benefits or limitations. Keep updated with any changes or promotions that might affect your points earning potential to make the most out of your card.

The easiest way to get a CIBC credit card is to click the green ‘Apply Now’ buttons on our site under whatever card you’re interested in. This will then direct you to CIBC’s application for that card. Be ready to submit some personal information like your date of birth, address, and annual income.

You can request a credit limit increase with CIBC by signing on to CIBC’s Online Banking platform, then navigating to ‘Banking Services’ and ‘Request a credit limit increase.’ You can also request an increase by calling CIBC’s customer service at 1-800-465-4653.

To figure out what is the best CIBC credit card, we recommend that you first reflect a bit on your lifestyle and financial circumstance. What are your biggest expenses each month? Do you travel frequently? Do you currently have a credit card balance subject to high interest rates? After giving that some thought we recommend reading this list of the best CIBC credit cards in each category and choosing based on which card offers the features you need.

You can withdraw cash from your CIBC credit card by doing a cash advance. It’s important to note that most credit cards have a higher interest rate on cash advances; the CIBC card with the most favourable interest rate for cash advances is the CIBC Select^® Visa*.