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CIBC Credit Cards
With business options, cash back rewards and student cards, CIBC offers credit cards that fit your spending needs.
The Canadian Imperial Bank of Commerce (CIBC) offers a range of credit cards to suit a variety of lifestyle needs and spending habits. From cash back 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 availableCIBC 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
- Travel rewards credit cards
- No annual fee credit cards
- 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
- Business credit cards
- US Dollar credit cards
The benefits of banking with CIBC
Some of the features you can enjoy when you get a CIBC credit card include:
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
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:
- 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.
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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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