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CIBC Credit Cards

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

Updated

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 to suit a variety of lifestyle needs and spending habits. From cashback rewards cards to business and student cards, there are plenty of different choices. Depending on the credit card you select, you may be offered a range of rewards including points per dollar spent, low interest rates, zero annual fees, complimentary perks and a host of other rewards.

Our guide covers the different types of CIBC credit cards offered, as well as the features and benefits of all those cards. Learn about the eligibility requirements, as well as how to apply for a CIBC credit card. Finally, we cover some of the most frequently asked questions when it comes to CIBC credit cards.

Types of CIBC credit cards available

CIBC offers a wide range of credit cards, including zero annual fee and balance transfer cards, travel and cashback 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:

  • Balance transfer credit cards
CIBC offers a low interest rate credit card that also has low annual fees and a 0% interest rate for up to 10 months, 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 Miles, 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 cashback 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.

  • Tim Hortons credit cards
CIBC offers a couple of different Tim Hortons rewards credit cards. These cards typically come with no annual fees as well as welcome bonus cash that you can spend at Tim Hortons. Additionally, these cards allow you to earn cashback on all Tim Hortons purchases, which you can then redeem at any Timmy’s across the nation.

  • Cashback 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 cashback, Aeroplan Miles 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 Miles 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.

    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 Miles and Tim Hortons cash, 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 Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
    American Express Cobalt Card
    19.99%
    21.99%
    $120
    N/A
    Earn 5 Membership Rewards points per $1 spent at eligible grocery stores, restaurants, bars, cafés and food delivery services, and earn 2 Membership Rewards points per $1 spent at eligible gas stations, and on transit and travel purchases, and earn 1 Membership Rewards point per $1 spent elsewhere. Terms apply
    Earn up to 30,000 Membership Rewards points in your first year.
    BMO World Elite Mastercard
    19.99%
    22.99%
    $0 annual fee for the first year ($150 thereafter)
    $80,000
    Get 3 BMO Rewards points per $1 spent on eligible travel, dining and entertainment purchases (up to $50,000 spend annually), and get 2 BMO Rewards points per $1 spent on all other eligible purchases (and once you reach the $50,000 annual spend).
    Get up to $575 in value in your first year. Get a bonus of 40,000 BMO Rewards points ($285 travel value booked on bmorewards.com). Plus, get the $150 annual fee waived in the first year.
    SimplyCash Preferred Card from American Express
    19.99%
    21.99%
    $99
    N/A
    Earn 2% cash back on all eligible purchases
    Earn 10% cash back on all eligible purchases (up to $400 in cash back) for the first four months of Cardmembership.
    Tangerine Money-Back Credit Card
    1.95% intro APR for the first , 19.95% thereafter
    19.95%
    $0
    $12,000
    Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
    Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
    BMO Preferred Rate Mastercard
    12.99%
    12.99%
    $20
    $15,000
    Take advantage of an introductory balance transfer offer, annual fee waiver in the first year, and low purchase and cash advance interest rates.
    Get a rate of 3.99% on balance transfers for 9 months with a 1% transfer fee. Plus, get the $20 annual fee waived in the first year.
    American Express AIR MILES Platinum Credit Card
    20.99%
    21.99%
    $120
    N/A
    Earn 1 AIR MILE for every $5 spent on eligible food, drink, gas and transit purchases (up to an annual spend of $30,000), and earn 1 AIR MILE for every $10 spent on all other eligible purchases (and after the $30,000 annual spend)
    Earn a Welcome Bonus of 3,000 AIR MILES when you spend at least $1,500 in eligible purchases within the first three months.
    American Express Business Edge Card
    19.99%
    21.99%
    $99
    N/A
    Earn 3 Membership Rewards points for every $1 spent on eligible business essentials including office supplies, electronics, rides, gas, eats and drinks (up to an annual earn of 75,000 Membership Rewards), and earn 1 Membership Reward point for every $1 spent on all other eligible purchases
    Earn up to 42,000 Membership Rewards points in your first year. Earn a Welcome Bonus of 30,000 Membership Rewards points when you spend at least $5,000 on eligible purchases within the first three months, and earn 1,000 Membership Rewards points each month (a total of 12,000 annually) when you spend a minimum of $3,000 on eligible purchases
    No-Fee Scotiabank Value Visa Card
    16.99%
    16.99%
    $0
    $12,000
    Save with a low interest rate, no annual fee and a balance transfer offer.
    Get a 3.99% introductory interest rate on balance transfers with a 0% balance transfer fee for the first 6 months. Apply by October 31, 2020.
    Shell AIR MILES Mastercard from BMO
    19.99%
    22.99%
    $0
    $15,000
    Get 2 AIR MILES for every $20 spent at participating AIR MILES Partners, and get 1 AIR MILE for every $20 spent on eligible purchases elsewhere.
    Get 950 AIR MILES Bonus Miles (enough for $100 towards purchases with AIR MILES Cash). Plus, get 5x the Miles at Shell until December 31, 2020.
    American Express Gold Rewards Card
    30% annual interest rate applies to balances not paid in full each month
    N/A
    $150
    N/A
    Earn 2 Membership Rewards points for every $1 spent on eligible gas station, grocery store, drug store and travel purchases and on eligible hotel and car rental bookings made with American Express Travel, and earn 1 Membership Reward point for every $1 spent on all other eligible purchases
    Earn a Welcome Bonus of 25,000 Membership Rewards points when you spend at least $1,500 on eligible purchases within the first three months
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    Compare up to 4 providers

    Name Product Purchase Interest Rate Balance Transfer Rate Balance Transfer Fee Annual Fee Minimum Income Reward Description
    BMO Preferred Rate Mastercard
    12.99%
    3.99% for the first 9 months (then 12.99%)
    1%
    $20
    $15,000
    Take advantage of an introductory balance transfer offer, annual fee waiver in the first year, and low purchase and cash advance interest rates.
    Get a rate of 3.99% on balance transfers for 9 months with a 1% transfer fee. Plus, get the $20 annual fee waived in the first year.
    Tangerine Money-Back Credit Card
    1.95% intro APR for the first , 19.95% thereafter
    1.95% for the first 6 months (then 19.95%)
    3%
    $0
    $12,000
    Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
    Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
    No-Fee Scotiabank Value Visa Card
    16.99%
    3.99% for the first 6 months (then 16.99%)
    N/A
    $0
    $12,000
    Save with a low interest rate, no annual fee and a balance transfer offer.
    Get a 3.99% introductory interest rate on balance transfers with a 0% balance transfer fee for the first 6 months. Apply by October 31, 2020.
    BMO Rewards Mastercard
    19.99%
    1.99% for the first 9 months (then 22.99%)
    1%
    $0
    $15,000
    Get 1 BMO Reward point for every $1 spent on eligible purchases, and get 2 BMO Rewards points for every $1 spent at participating National Car Rental and Alamo Rent A Car locations.
    Get a bonus of 15,000 BMO Rewards points. Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
    BMO AIR MILES Mastercard
    19.99%
    1.99% for the first 9 months (then 22.99%)
    1%
    $0
    $15,000
    Get 2 AIR MILES for every $20 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $20 spent elsewhere. Get 5x the Miles at Shell until December 31, 2020.
    Get 950 AIR MILES Bonus Miles (enough for $100 towards purchases with AIR MILES Cash). Plus, get 5x the Miles at Shell until December 31, 2020. Get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
    BMO CashBack Mastercard
    19.99%
    1.99% for the first 9 months (then 22.99%)
    1%
    $0
    $15,000
    Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
    Get 5% cash back on all eligible purchases in the first three months of card membership (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
    BMO AIR MILES Mastercard For Students
    19.99%
    1.99% for the first 9 months (then 22.99%)
    1%
    $0
    $15,000
    Earn 2 AIR MILES for every $20 spent at eligible AIR MILES partners, and earn 1 AIR MILE for every $20 spent elsewhere. Get 5x the Miles at Shell until December 31, 2020.
    Get 950 AIR MILES Bonus Miles (enough for $100 towards purchases with AIR MILES Cash). Plus, get 5x the Miles at Shell until December 31, 2020. Get a 1.99% introductory interest rate on balance transfers for 9 months. A 1% fee applies to balance amounts transferred.
    BMO CashBack Mastercard For Students
    19.99%
    1.99% for the first 9 months (then 22.99%)
    1%
    $0
    $15,000
    Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
    Get up to 5% cash back in the first three months (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers for 9 months, with a 1% fee for every transferred balance.
    Scotiabank Value Visa Card
    12.99%
    0.99% for the first 6 months (then 12.99%)
    N/A
    $29
    $12,000
    Save on interest for 6 months by consolidating your higher-rate balances with the balance transfer offer, and get an on-going 12.99% interest rate on purchases, cash advances and balance transfers.
    Get a 0.99% introductory interest rate on balance transfers with a 0% transfer fee for the first 6 months. Apply by October 31, 2020.
    Scotia Momentum Visa Card
    19.99%
    2.99% for the first 6 months (then 22.99%)
    N/A
    $39
    $12,000
    Earn 2% cash back on all eligible gas station, grocery store and drug store purchases and on recurring bill payments (up to a $25,000 annual spend), and earn 1% cash back on all other eligible purchases (and on all eligible purchases once the $25,000 annual spend is reached).
    Get a 2.99% introductory rate on balance transfers and a 0% balance transfer fee for the first 6 months. Apply by October 31, 2020.
    loading

    Compare up to 4 providers

    Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
    American Express Cobalt Card
    19.99%
    21.99%
    $120
    N/A
    Earn 5 Membership Rewards points per $1 spent at eligible grocery stores, restaurants, bars, cafés and food delivery services, and earn 2 Membership Rewards points per $1 spent at eligible gas stations, and on transit and travel purchases, and earn 1 Membership Rewards point per $1 spent elsewhere. Terms apply
    Earn up to 30,000 Membership Rewards points in your first year.
    American Express AIR MILES Platinum Credit Card
    20.99%
    21.99%
    $120
    N/A
    Earn 1 AIR MILE for every $5 spent on eligible food, drink, gas and transit purchases (up to an annual spend of $30,000), and earn 1 AIR MILE for every $10 spent on all other eligible purchases (and after the $30,000 annual spend)
    Earn a Welcome Bonus of 3,000 AIR MILES when you spend at least $1,500 in eligible purchases within the first three months.
    BMO AIR MILES World Elite Mastercard
    19.99%
    22.99%
    $0 annual fee for the first year ($120 thereafter)
    $80,000
    Get 1 AIR MILE for every $10 spent on eligible purchases and get 5x the Miles at Shell until December 31, 2020.
    Earn a bonus of up to 2,000 AIR MILES. Terms apply. Plus, get the annual fee of $120 waived in the first year. Get 5x the Miles at Shell until December 31, 2020.
    Marriott Bonvoy American Express Card
    19.99%
    21.99%
    $120
    N/A
    Receive 5 Marriott Bonvoy™ points per dollar spent on eligible purchases at participating Marriott Bonvoy™ properties and 2 points on all other spend. Terms apply
    Receive 50,000 bonus Marriott Bonvoy™ points when you charge $1,500 in the first three months of card membership. Terms apply
    BMO World Elite Mastercard
    19.99%
    22.99%
    $0 annual fee for the first year ($150 thereafter)
    $80,000
    Get 3 BMO Rewards points per $1 spent on eligible travel, dining and entertainment purchases (up to $50,000 spend annually), and get 2 BMO Rewards points per $1 spent on all other eligible purchases (and once you reach the $50,000 annual spend).
    Get up to $575 in value in your first year. Get a bonus of 40,000 BMO Rewards points ($285 travel value booked on bmorewards.com). Plus, get the $150 annual fee waived in the first year.
    American Express Business Edge Card
    19.99%
    21.99%
    $99
    N/A
    Earn 3 Membership Rewards points for every $1 spent on eligible business essentials including office supplies, electronics, rides, gas, eats and drinks (up to an annual earn of 75,000 Membership Rewards), and earn 1 Membership Reward point for every $1 spent on all other eligible purchases
    Earn up to 42,000 Membership Rewards points in your first year. Earn a Welcome Bonus of 30,000 Membership Rewards points when you spend at least $5,000 on eligible purchases within the first three months, and earn 1,000 Membership Rewards points each month (a total of 12,000 annually) when you spend a minimum of $3,000 on eligible purchases
    Shell AIR MILES Mastercard from BMO
    19.99%
    22.99%
    $0
    $15,000
    Get 2 AIR MILES for every $20 spent at participating AIR MILES Partners, and get 1 AIR MILE for every $20 spent on eligible purchases elsewhere.
    Get 950 AIR MILES Bonus Miles (enough for $100 towards purchases with AIR MILES Cash). Plus, get 5x the Miles at Shell until December 31, 2020.
    American Express Gold Rewards Card
    30% annual interest rate applies to balances not paid in full each month
    N/A
    $150
    N/A
    Earn 2 Membership Rewards points for every $1 spent on eligible gas station, grocery store, drug store and travel purchases and on eligible hotel and car rental bookings made with American Express Travel, and earn 1 Membership Reward point for every $1 spent on all other eligible purchases
    Earn a Welcome Bonus of 25,000 Membership Rewards points when you spend at least $1,500 on eligible purchases within the first three months
    HSBC +Rewards™ Mastercard®
    11.9%
    11.9%
    $0 annual fee for the first year ($25 thereafter)
    N/A
    Earn 2 Points for every $1 spent on eligible dining or entertainment purchases.
    Earn 20,000 Points ($100 travel value) plus a full annual fee rebate for the Primary Cardholder for the first year ($25 value). Apply by December 28, 2020. Conditions Apply. This offer is only available to residents of Canada other than the province of Quebec. (Quebec residents eligible for separate offer).
    HSBC World Elite® Mastercard®
    19.9%
    22.9%
    $0 annual fee for the first year ($149 thereafter)
    $80,000
    Earn 3% in travel rewards on all eligible travel purchases (6 Points per $1 spent) and earn 1.5% in travel rewards on all other eligible purchases (3 Points per $1 spent).
    Earn up to 100,000 Points ($500 travel value) plus get a full annual fee rebate for the Primary Cardholder for the first year. Apply by December 28, 2020. Conditions Apply. This offer is only available to residents of Canada other than the province of Quebec. (Quebec residents eligible for separate offer).
    loading

    Compare up to 4 providers

    Name Product Purchase Interest Rate Cash Advance Rate Cash Back Rate Annual Fee Minimum Income Reward
    SimplyCash Preferred Card from American Express
    19.99%
    21.99%
    2%
    $99
    N/A
    Earn 2% cash back on all eligible purchases
    Earn 10% cash back on all eligible purchases (up to $400 in cash back) for the first four months of Cardmembership.
    Tangerine Money-Back Credit Card
    1.95% intro APR for the first , 19.95% thereafter
    19.95%
    2%
    $0
    $12,000
    Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
    Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
    BMO CashBack World Elite Mastercard
    19.99%
    22.99%
    1.5%
    $0 annual fee for the first year ($120 thereafter)
    $80,000
    Earn 1.5% cash back on all eligible purchases.
    Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year.
    Shell CashBack Mastercard from BMO
    19.99%
    22.99%
    1.5%
    $0
    $15,000
    Get 1.5% cash back at participating Shell locations in Canada (up to a maximum spend of $2,500 in any monthly billing period), and get 0.5% cash back everywhere else.
    Get $50 in cash back bonuses once you charge your first eligible purchase to your card. Plus, earn 1% cash back for the first 6 months on all eligible purchases.
    BMO Cashback Business Mastercard
    19.99%
    22.99%
    1.75%
    $0
    N/A
    Earn 1.5% cash back on eligible gas purchases, office supplies and on cell phone and internet recurring payments, earn 1.75% cash back at participating Shell stations, and earn 0.75% on all other eligible card purchases.
    Get 10% cash back on gas, office supplies, cell phone bills and internet bills for 3 months.
    BMO CashBack Mastercard
    19.99%
    22.99%
    0.5%
    $0
    $15,000
    Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
    Get 5% cash back on all eligible purchases in the first three months of card membership (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
    BMO CashBack Mastercard For Students
    19.99%
    22.99%
    0.5%
    $0
    $15,000
    Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
    Get up to 5% cash back in the first three months (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers for 9 months, with a 1% fee for every transferred balance.
    Shell CashBack World Mastercard from BMO
    19.99%
    22.99%
    3%
    $79
    $60,000
    Get 3% cash back per $1 spent at Shells stations, 1.25% cash back on all other spend.
    Earn 3% cash back at Shell stations in Canada, plus 1.25% cash back on all other spend.
    Scotia Momentum No-Fee Visa Card
    7.99% intro APR for the first 6 months, 19.99% thereafter
    22.99%
    1%
    $0
    $12,000
    Get 1% cash back on all eligible gas station, grocery store and drug store purchases and recurring bill payments, and get 0.5% cash back on all other eligible purchases.
    Get a 7.99% introductory interest rate on all eligible purchases for the first 6 months. Apply by October 31, 2020.
    Scotia Momentum Mastercard
    7.99% intro APR for the first 6 months, 19.99% thereafter
    22.99%
    1%
    $0
    $12,000
    Get 1% cash back on all eligible gas station, grocery store and drug store purchases and recurring bill payments, and get 0.5% cash back on all other eligible purchases.
    Get a 7.99% introductory interest rate on all eligible purchases for the first 6 months. Apply by October 31, 2020.
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    Compare up to 4 providers

    Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Benefits with this card Description
    BMO CashBack Mastercard
    19.99%
    22.99%
    $0
    $15,000
    Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
    Get 5% cash back on all eligible purchases in the first three months of card membership (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers with a 1% balance transfer fee for nine months.
    Tangerine Money-Back Credit Card
    1.95% intro APR for the first , 19.95% thereafter
    19.95%
    $0
    $12,000
    Earn 2% cash back in two categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account), and 0.5% cash back on everything else.
    Get a 1.95% interest rate on balance transfers for the first six months (valid within the first 30 days of account opening).
    No-Fee Scotiabank Value Visa Card
    16.99%
    16.99%
    $0
    $12,000
    Save with a low interest rate, no annual fee and a balance transfer offer.
    Get a 3.99% introductory interest rate on balance transfers with a 0% balance transfer fee for the first 6 months. Apply by October 31, 2020.
    Shell AIR MILES Mastercard from BMO
    19.99%
    22.99%
    $0
    $15,000
    Get 2 AIR MILES for every $20 spent at participating AIR MILES Partners, and get 1 AIR MILE for every $20 spent on eligible purchases elsewhere.
    Get 950 AIR MILES Bonus Miles (enough for $100 towards purchases with AIR MILES Cash). Plus, get 5x the Miles at Shell until December 31, 2020.
    Shell CashBack Mastercard from BMO
    19.99%
    22.99%
    $0
    $15,000
    Get 1.5% cash back at participating Shell locations in Canada (up to a maximum spend of $2,500 in any monthly billing period), and get 0.5% cash back everywhere else.
    Get $50 in cash back bonuses once you charge your first eligible purchase to your card. Plus, earn 1% cash back for the first 6 months on all eligible purchases.
    BMO Rewards Mastercard
    19.99%
    22.99%
    $0
    $15,000
    Get 1 BMO Reward point for every $1 spent on eligible purchases, and get 2 BMO Rewards points for every $1 spent at participating National Car Rental and Alamo Rent A Car locations.
    Get a bonus of 15,000 BMO Rewards points. Plus, get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
    BMO IGA AIR MILES Mastercard
    19.99%
    22.99%
    $0
    $15,000
    Get 2 AIR MILES for every $20 spent on eligible purchases at IGA stores and at participating AIR MILES partners, and get 1 AIR MILE for every $20 spent elsewhere.
    Get 950 AIR MILES Bonus Miles (enough for $100 towards purchases with AIR MILES Cash). Plus, get 5x the Miles at Shell until December 31, 2020.
    BMO AIR MILES Mastercard
    19.99%
    22.99%
    $0
    $15,000
    Get 2 AIR MILES for every $20 spent at eligible AIR MILES partners, and get 1 AIR MILE for every $20 spent elsewhere. Get 5x the Miles at Shell until December 31, 2020.
    Get 950 AIR MILES Bonus Miles (enough for $100 towards purchases with AIR MILES Cash). Plus, get 5x the Miles at Shell until December 31, 2020. Get a rate of 1.99% on balance transfers for 9 months. A 1% fee applies to transferred balances.
    BMO AIR MILES Mastercard For Students
    19.99%
    22.99%
    $0
    $15,000
    Earn 2 AIR MILES for every $20 spent at eligible AIR MILES partners, and earn 1 AIR MILE for every $20 spent elsewhere. Get 5x the Miles at Shell until December 31, 2020.
    Get 950 AIR MILES Bonus Miles (enough for $100 towards purchases with AIR MILES Cash). Plus, get 5x the Miles at Shell until December 31, 2020. Get a 1.99% introductory interest rate on balance transfers for 9 months. A 1% fee applies to balance amounts transferred.
    BMO CashBack Mastercard For Students
    19.99%
    22.99%
    $0
    $15,000
    Earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
    Get up to 5% cash back in the first three months (up to a maximum spend of $2,000, and earn 3% cash back on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases thereafter). Plus, get a rate of 1.99% on balance transfers for 9 months, with a 1% fee for every transferred balance.
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    Name Product Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Reward
    BMO Preferred Rate Mastercard
    12.99%
    12.99%
    $20
    $15,000
    Take advantage of an introductory balance transfer offer, annual fee waiver in the first year, and low purchase and cash advance interest rates.
    Get a rate of 3.99% on balance transfers for 9 months with a 1% transfer fee. Plus, get the $20 annual fee waived in the first year.
    HSBC +Rewards™ Mastercard®
    11.9%
    11.9%
    $0 annual fee for the first year ($25 thereafter)
    N/A
    Earn 2 Points for every $1 spent on eligible dining or entertainment purchases.
    Earn 20,000 Points ($100 travel value) plus a full annual fee rebate for the Primary Cardholder for the first year ($25 value). Apply by December 28, 2020. Conditions Apply. This offer is only available to residents of Canada other than the province of Quebec. (Quebec residents eligible for separate offer).
    BMO Rewards Business Mastercard
    14.99%
    22.99%
    $0 annual fee for the first year ($120 thereafter)
    N/A
    Earn 3 BMO Rewards points for every $1 you spend on gas, office supplies, cell phone bills and internet bills, and earn 1.5 BMO Rewards points for every $1 you spend elsewhere.
    Get up to $470 in value in your first year. Get 50,000 BMO Rewards points when you spend $5,000 in the first three months. Plus, the primary cardholder will get the first year $120 annual fee waived.
    Business Platinum Card from American Express
    N/A
    N/A
    $499
    N/A
    Earn 1.25 Membership Rewards points for every $1 spent on eligible purchases
    Earn a Welcome Bonus of 50,000 Membership Rewards points when you charge $7,000 in purchases to your Card in your first three months of Cardmembership.
    American Express Business Gold Rewards Card
    N/A
    N/A
    $250
    N/A
    Earn 2 Membership Rewards points for every $1 spent on eligible purchases at select American Express merchant suppliers in Canada (choose 3 suppliers), and earn 1 Membership Reward point for every $1 spent on eligible purchases elsewhere
    Earn a Welcome Bonus of 30,000 Membership Rewards points when you spend at least $5,000 on eligible purchases within the first three months
    Scotiabank Value Visa Card
    12.99%
    12.99%
    $29
    $12,000
    Save on interest for 6 months by consolidating your higher-rate balances with the balance transfer offer, and get an on-going 12.99% interest rate on purchases, cash advances and balance transfers.
    Get a 0.99% introductory interest rate on balance transfers with a 0% transfer fee for the first 6 months. Apply by October 31, 2020.
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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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