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Best CIBC credit cards in Canada

With business options, cash back rewards and student cards, CIBC offers credit cards that fit your spending needs.

Please note: All information about CIBC has been collected independently by Finder and products from CIBC are not available through this site.

The Canadian Imperial Bank of Commerce (CIBC) offers a range of credit cards from cash back rewards cards to business and student cards. Rewards including points per dollar spent, low interest rates, zero annual fees, complimentary perks and more.

Our guide covers the different types of offered, as well as the features and benefits of all those cards. We walk through different types of CIBC credit cards including eligibility requirements and how to apply. We also answer some of the most commonly asked questions about CIBC credit cards.

Best for cash back:
CIBC Dividend Visa Infinite Card

CIBC Dividend Visa Infinite Card logo
Credit recommended (740-)
Read review
740
Min. credit score
$120 ongoing
Annual fee
Up to 4%
Cash back
Fee rebate
Welcome offer
The CIBC Dividend Visa Infinite Card offers one of the best cashback rates you can find on the market. Earn 4% cash back on gas and grocery purchases, 2% cash back on transportation, dining and recurring payments and 1% cash back on everything else. There's no limit on the total cash back you can earn. You can get your cash back anytime through CIBC Online and Mobile Banking. Plus, cardholders can enjoy comprehensive insurance coverage, include mobile device coverage.
  • Earn rewards. Earn 4% cash back on gas and grocery purchases, 2% cash back on transportation, dining and recurring payments and 1% cash back on everything else. There's no limit on the total cash back you can earn.
  • Special offer. Get the first-year annual fee rebate for you and up to 3 authorized users.
  • Travel coverage. Insure your trip with up to $500,000 coverage when you travel by plane, ferry, train or bus.
  • Annual fee. This card has an annual fee of $120.
  • Currency conversion. This card has a foreign transaction fee of 2.5%. This will apply on any overseas purchases or any purchases made online with an international retailer.
  • Minimum income requirement. You'll need to earn a personal income of at least $60,000, or a combined household income of at least $100,000 annually to apply.
Annual Fee $0 intro annual fee for the first year ($120 thereafter)
Purchase APR 20.99%
Cash Advance Rate 22.99% (21.99% for Quebec residents)
Balance transfer APR 22.99%
Welcome offer Get the first-year annual fee rebate for you and up to 3 authorized users.
Rewards Earn 4% cash back on gas and grocery purchases, 2% cash back on transportation, dining and recurring payments and 1% cash back on everything else. There's no limit on the total cash back you can earn.
Please note: All information about CIBC Dividend Visa Infinite Card has been collected independently by Finder and this card is not available through this site.

Best no-fee cash back card:
CIBC Dividend Visa Card

CIBC Dividend Visa Card logo
Credit recommended (670-)
Read review
670
Min. credit score
$0
Annual fee
Up to 2%
Cash back
n/a
Welcome offer
The CIBC Dividend Visa Card is a no-fuss cash back card that allows you to earn on everyday purchases. Earn 2% cash back on groceries, 1 % on gas, transportation, dining and recurring payments, and up to 0.5% on everything else. You can also get your cash back anytime through CIBC Online and Mobile Banking. Double the manufacturer's original warranty, up to one year on eligible purchases.
  • Earn rewards. Earn 2% cash back on groceries, 1 % on gas, transportation, dining and recurring payments, and up to 0.5% on everything else
  • Travel coverage. Get coverage up to $100,000 when you travel by plane, ferry, train or bus.
  • Annual fee. This card has an annual fee of $0.
  • Currency conversion. This card has a foreign transaction fee of 2.5%. This will apply on any overseas purchases or any purchases made online with an international retailer.
Annual Fee $0
Purchase APR 20.99%
Cash Advance Rate 22.99% (21.99% for Quebec residents)
Balance transfer APR 22.99%
Welcome offer N/A
Rewards Earn 2% cash back on groceries, 1 % on gas, transportation, dining and recurring payments, and up to 0.5% on everything else
Please note: All information about CIBC Dividend Visa Card has been collected independently by Finder and this card is not available through this site.

Best Aventura credit card:
CIBC Aventura Visa Infinite Card

CIBC Aventura Visa Infinite Card logo
Credit recommended (740-)
Read review
740
Min. credit score
$139 ongoing
Annual fee
Up to 2x
Points
35,000
Points welcome offer
The CIBC Aventura Visa Infinite Card is a stellar travel card, offering all of the perks and travel rewards that any frequent flyer could want. Earn 1.5 points for every $1 you spend on daily purchases like gas and groceries, 2 points on travel purchased through the CIBC Rewards Centre and 1 point on everything else. Get access to airport lounges and a comprehensive suite of travel insurance coverage.
  • Earn rewards. Earn 1.5 points for every $1 you spend on daily purchases like gas and groceries, 2 points on travel purchased through the CIBC Rewards Centre and 1 point on everything else.
  • Special offer. Earn up to 35,000 Aventura Points (up to $800 in travel value). Get 20,000 Aventura Points when you make your first purchase. Plus, in the first year, you can earn an additional 1,250 Aventura Points each monthly when you spend at least $1,000. That’s a total of up to 15,000 points. Also, get a rebate on the first year annual fee.
  • Travel coverage. Insure your trip with up to $500,000 coverage when you travel by plane, ferry, train or bus. You'll get coverage for travel accidents, lost/stolen/damaged baggage, car rental theft and damage, flight delays, hotel burglaries, mobile devices, Purchase Security and Extended Protection Insurance..
  • Travel perks. Get access to 1,300+ airport lounges with a Priority Pass Membership and 4 complimentary airport lounge visits per year. Plus, get a NEXUS application fee rebate.
  • Annual fee. This card has an annual fee of $139.
  • Currency conversion. This card has a foreign transaction fee of 2.5%.
  • Minimum income requirement. You'll need to earn a personal income of at least $60,000, or a combined household income of at least $100,000 annually to apply.
Annual Fee $0 intro annual fee for the first year ($139 thereafter)
Purchase APR 20.99%
Cash Advance Rate 22.99% (21.99% for Quebec residents)
Balance transfer APR 22.99%
Welcome offer Earn up to 35,000 Aventura Points (up to $800 in travel value). Get 20,000 Aventura Points when you make your first purchase. Plus, in the first year, you can earn an additional 1,250 Aventura Points each monthly when you spend at least $1,000. That’s a total of up to 15,000 points. Also, get a rebate on the first year annual fee.
Rewards Earn 1.5 points for every $1 you spend on daily purchases like gas and groceries, 2 points on travel purchased through the CIBC Rewards Centre and 1 point on everything else.
Please note: All information about CIBC Aventura Visa Infinite Card has been collected independently by Finder and this card is not available through this site.

Best no-fee Aeroplan credit card:
CIBC Aeroplan Visa Card

CIBC Aeroplan Visa Card logo
Credit recommended (600-)
Read review
600
Min. credit score
$0
Annual fee
Up to 1.3x
Points
10,000
Points welcome offer
The CIBC Aeroplan Visa Card is the only CIBC Aeroplan credit card with a $0 annual fee. It also offers a nice welcome bonus: Snag 10,000 Aeroplan points when you sign up and make your first purchase. You'll receive some solid ongoing rewards too. Earn 1 Aeroplan point for every dollar spent on gas and groceries as well as on Air Canada and Air Canada Vacations purchases. Earn 1 Aeroplan point for every $1.50 spent on everything else. You'll also get travel benefits like car rental collision or damage coverage and common carrier accident insurance when you sign up.
  • Annual fee. This card has a $0 annual fee.
  • Earn rewards. Earn 1 Aeroplan point for every dollar spent on gas and groceries as well as on Air Canada and Air Canada Vacations purchases. Earn 1 Aeroplan point for every $1.50 spent on everything else.. Earn points twice when you spend with Aeroplan partners or shop with retailers in Aeroplan’s online eStore.
  • Special offer. Snag 10,000 Aeroplan points when you sign up and make your first purchase.
  • Travel coverage. You'll get car rental collision or damage coverage and common carrier accident insurance.
  • Travel perks. Primary cardholders can often book their flight rewards using even fewer points. Plus, there are no additional airline surcharges on flight rewards with Air Canada.
  • Earn less rewards. You won't collect as many points with this card as you will with more premium cards that come with an annual fee.
  • Currency conversion. This card has a foreign transaction fee of 2.5%.
  • Less travel coverage. This card doesn't come with comprehensive travel insurance such as travel medical or trip interruption/cancellation insurance.
Annual Fee $0
Purchase APR 20.99%
Cash Advance Rate 22.99% (21.99% for Quebec residents)
Balance transfer APR 22.99%
Welcome offer Snag 10,000 Aeroplan points when you sign up and make your first purchase.
Rewards Earn 1 Aeroplan point for every dollar spent on gas and groceries as well as on Air Canada and Air Canada Vacations purchases. Earn 1 Aeroplan point for every $1.50 spent on everything else.
Please note: All information about CIBC Aeroplan Visa Card has been collected independently by Finder and this card is not available through this site.

Best low interest and balance transfer card:
CIBC Select Visa

CIBC Select Visa logo
Credit recommended (670-)
Read review
670
Min. credit score
$29 ongoing
Annual fee
10 months
0% intro transfer APR
n/a
Rewards
The CIBC Select Visa offers one of the lowest balance transfer rates on the market, so you can save money by moving your outstanding balance over from a higher-interest card. Get a 0% interest rate on balance transfers for the first 10 months with a 1% transfer fee. It also comes with a relatively low regular purchase interest rate of only 13.99%. The downside of this card is that it comes with relatively few benefits and you won't earn points or cashback when you spend money.
  • Low purchase interest rate. The CIBC Select Visa comes with a low purchase interest rate of only 13.99%.
  • Balance transfer offer. This card comes with a balance transfer rate of 0% for 10 months.
  • Travel coverage. Get $100,000 Common Carrier Accident Insurance. Pay an additional fee to get travel medical insurance or payment protection added to your plan.
  • Travel perk. Save up to 25% at participating Avis and Budget locations in Canada and the US when you pay for your rental with your CIBC Select Visa
  • Balance transfer fee. This card has an balance transfer fee of 1%.
  • Currency conversion. This card has a foreign transaction fee of 2.5%. This will apply on any overseas purchases or any purchases made online with an international retailer.
Annual fee $0 intro annual fee for the first year ($29 thereafter)
Purchase APR 13.99%
Balance transfer APR 0% intro for the first 10 months (then 13.99% )
Balance transfer fee $40 or 1% of the transaction, whichever is greater
Rewards N/A
Please note: All information about CIBC Select Visa has been collected independently by Finder and this product is not available through this site.

Types of CIBC credit cards available

CIBC offers a wide range of credit cards, including zero annual fee and low interest cards, travel and cash back cards, student cards and business cards. There are also premium credit cards, including Visa Infinite cards, that offer more benefits and complimentary extras, such as travel insurance, free travel booking and trip planning services, bonus welcome points and more points earning potential. Here’s a summary of the main types of CIBC credit cards you can choose from:
  • Low interest credit cards
CIBC offers a low interest rate credit card that also has low annual fees , as well as a low fee to transfer your current balance. This credit card comes with common carrier accident insurance, as well as the option for additional coverage such as emergency travel medical insurance and CIBC payment protector insurance.
  • Travel rewards credit cards
CIBC has a variety of different travel rewards cards offering different perks, depending on which card you select. These perks may include Aeroplan points, points per dollar spent, complimentary travel and purchase insurance and welcome bonus points. Some travel credit cards offered by CIBC have an annual fee, while others do not. Furthermore, some of the premium travel cards offer complimentary extras like trip planning and travel booking services.
  • No annual fee credit cards
CIBC offers a range of no annual fee credit cards that offer different perks like travel and cash back rewards. Depending on the no annual fee card that you choose, you may be offered additional rewards like points per dollar spent, complimentary insurance coverage and perks at local businesses.
  • Cash back credit cards

Depending on the card you choose, you can earn cash back on gas or groceries. These cards typically come with zero or low annual fees and complimentary insurances including purchase security, extended protection, common carrier accident insurance, auto rental collision and loss damage insurance.

  • Student credit cards
CIBC offers a range of different student cards to suit a variety of spending needs and lifestyles. Choose from classic Visa cards that offer insurance coverage or rewards cards that offer cash back, Aeroplan points or other travel rewards. These cards usually come with zero or low annual fees.
  • Business credit cards
CIBC has a variety of business credit cards that are designed specifically for small businesses. Get welcome bonus points, zero or low annual fees, insurance protection, Aeroplan points and complimentary travel rewards.
  • US Dollar credit cards
CIBC offers a US dollar credit card that allows you to skip the currency conversion fees when you spend money in the US. With a low annual fee, this card offers complimentary purchase protection insurance as well as points per dollar spent.
  • Costco card
CIBC offers a Costco credit card that allows you to earn cash back wherever Mastercard is accepted, and have access to new Mobile Device Insurance for your next mobile phone purchase, flexible installment payment options and more.

The benefits of banking with CIBC

Some of the features you can enjoy when you get a CIBC credit card include:

  • CIBC rewards

With a CIBC credit card, you typically earn 1 point per $1-$2 spent. You can use your points to pay back your credit card balance or spend the points on merchandise through the online CIBC store. You can also earn Aeroplan points , which you can redeem for money off.

  • CIBC internet and mobile banking

If you have a CIBC credit card, you can access your account, including any debit or investment accounts, through CIBC Online Banking. Furthermore, you can download the CIBC app for your smartphone and access your accounts via your phone. This means you can manage your account, pay bills, send transfers to other accounts in Canada and overseas, request a credit limit increase or apply for another CIBC product at any time online or via the mobile app.

  • CIBC credit card complimentary extras

Many CIBC credit cards come with complimentary extras like purchase security, extended protection, common carrier accident insurance, auto rental collision and loss damage insurance. Some of the premium cards, including Visa Infinite credit cards, come with additional complimentary extras which may include travel insurance, concierge services, airport lounge access, free travel and trip booking services, vouchers, luxury travel benefits and other extensive insurance coverage.

  • CIBC credit card security

CIBC protects clients from any illegal activities with their fraud monitoring system. If your account has any suspicious or unusual activity on it, you will be contacted immediately by CIBC. Alternatively, if you detect fraudulent activity on your credit balance, contact CIBC immediately to seek assistance.

How to apply for a CIBC credit card

Before you get started on your application, ensure that you meet the eligibility requirements for the specific credit card that you want to apply for. It’s best if you have all of the necessary documents and details ready in order to complete your application easily. Eligibility requirements typically vary between credit cards but generally include the following:

Eligibility requirements

  • How old are you? You should be at least 18 years old to apply for your own credit card.
  • What’s your Canadian residency status? You usually need to be a Canadian citizen or a permanent resident of Canada to apply for a Canadian credit card.
  • What’s your credit history like? Ideally, you should have a good to excellent credit score and no recent evidence of defaults or bankruptcy. Some cards will accept fair to poor credit, however check with the provider on the specific card before you apply if you have less than good credit. A good credit score in Canada is typically 650 or higher.

Information you’ll need for your application

If you meet the eligibility requirements for the credit card you wish to apply for, you can proceed with your application by supplying the following information:

  • Personal information. You’ll need to provide personal information such as your address and your contact information. You’ll also need to verify your identity by providing an accepted form of identification, such as your driver’s licence number or passport number.
  • Financial information. You must state your current employment status, including your employer’s contact details, and list any other income and assets such as shares or property. If you’re self-employed, you may need to provide documentation related to your expenses and liabilities, and include your accountant’s contact information.
CIBC offers a variety of credit cards that cater to students, frequent travellers and small business owners. Although CIBC offers many credit cards to suit different lifestyles and financial needs, you should make sure that you compare providers and credit card options before applying for a card, since there are numerous unique products in the marketplace.

Compare other credit cards

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
RBC ION Visa
3,500 points
1.5 points per $1 spent
20.99%
$0
Min. recommended credit score: 660
Get 3,500 Avion points when you get approved for the card.
Neo Credit Mastercard
Get $25.00 + up to 15% cash back
Up to 5% cash back
19.99% - 29.99%
$0
Min. recommended credit score: 600
Get $25 when you sign up for the Neo Financial Mastercard. Plus, earn bonuses like 15% cashback on your first purchase at most partners, and earn an average of 5% cashback at partner stores and at least 1% cashback guaranteed.
Tangerine World Mastercard
10% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until April 30, 2024. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.
American Express Cobalt Card
15,000 points
Up to 5x points per $1 spent
20.99%
$155.88
Min. recommended credit score: 700
Earn up to 15,000 Membership Rewards points in your first year. Earn 1,250 Membership Rewards points for each monthly billing period in which you spend $750 in purchases. That’s up to $150 towards a weekend getaway or concert tickets.
BMO CashBack Mastercard
5% cash back
Up to 3% cash back
20.99%
$0
Min. recommended credit score: 660
Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,500). Plus, get a rate of 0.99% on balance transfers for 9 months. A 2% fee applies to transferred balances.
Tangerine Money-Back Credit Card
10% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until April 30, 2024. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.
RBC Cash Back Mastercard
N/A
Up to 2% cash back
20.99%
$0
Min. recommended credit score: 650
RBC ION+ Visa
7,000 points
3 points per $1 spent
20.99%
$48
Min. recommended credit score: 660
Get up to 7,000 welcome points. Get 3,500 points on approval and earn 3,500 bonus points when you spend $500 in your first 3 months.
BMO eclipse rise Visa Card
25,000
Up to 5 points per $2 spent
20.99%
$0
Min. recommended credit score: 660
Earn up to 25,000 bonus points.
BMO Preferred Rate Mastercard
0.99% rate on balance transfers for 9 months
N/A
13.99%
$0 annual fee for the first year ($29 thereafter)
Min. recommended credit score: 660
Get a rate of 0.99% on balance transfers for 9 months with a 2% transfer fee. Plus, get the $29 annual fee waived in the first year.
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Frequently asked questions about CIBC credit cards

We’ve curated a list of the most commonly asked questions about CIBC credit cards. If you can’t find the answer to your question here, or if you’d like to leave us some feedback, get in touch with us using the form at the bottom of this page.

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