CIBC Credit Cards

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


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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.

    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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