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check my eligibilityCompare Canada's best CIBC credit cards
Card | Best used for | Annual fee | Rewards | |
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Food & transit | $120 |
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Purchase interest: 20.99% | Cash advance: 23.99% | Balance transfer: 23.99% | ||||
Groceries & gas | $120 |
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Purchase interest: 20.99% | Cash advance: 22.99% | Balance transfer: 22.99% | ||||
Travel | $139 |
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Purchase interest: 20.99% | Cash advance: 22.99% | Balance transfer: 22.99% | ||||
Gas and groceries | $99 |
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Purchase interest: 20.99% | Cash advance: 22.99% | Balance transfer: 22.99% | ||||
Purchase interest: 20.99% | Cash advance: 22.99% | Balance transfer: 22.99% | ||||
Purchase interest: 20.99% | Cash advance: 22.99% | Balance transfer: 22.99% | ||||
Purchase interest: 20.99% | Cash advance: 22.99% | Balance transfer: 22.99% |
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Our top picks
Ratehub's top credit card picks
Cash Back Card
Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
No Fee Card
Collect 4% in CT Money‡ at Canadian Tire and 1.5% on your first $12,000 per year in grocery purchases (excludes Costco and Walmart)
Rewards Points Card
Apply now and you could earn up to 30,000 bonus points with the American Express Cobalt® Card
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CIBC credit cards overview
Ratehub staff
As a leading bank in Canada, CIBC offers over 20 credit cards for the diverse needs of Canadians, including some of the most popular travel rewards credit cards in the country.
Travel Rewards
CIBC offers two types of travel rewards credit cards: Aventura Visa Cards and Aeroplan Visa Cards. The four personal CIBC Aventura Visa Cards let you collect Aventura Points on all of your purchases, which are redeemable for airfare on any airlines with no blackout periods, or a number of merchandise items available on the CIBC Aventure website. Each tier comes with greater rewards, but also a larger annual income requirement and larger annual fee. If you strictly want to earn travel rewards points, you could also look at one of the three CIBC Aeroplan Visa Cards, which let you earn Aeroplan Miles for each $1 spent on your credit card. Similar to the Aventura cards, each tier comes with greater rewards and better sign-up bonuses, but also larger annual income requirements and larger annual fees. CIBC also offers special Aventura and Aeroplan cards for both students and businesses (as well as some everyday cards for them, too).
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Cash Back Rewards
On top of offering some of the most popular travel rewards credit cards, CIBC offers a variety of other credit card products with great rewards. If you’d prefer to earn cash back with each purchase you make, there are four CIBC Dividend Visa Cards to choose from - some of which offer up to 4% cash back on groceries and gas.
Other Cards
If you tend to carry a balance, the CIBC Select Visa Card has a low interest rate of 13.99%. And finally, if you’re someone who travels south of the border often enough, you may also want to consider getting a CIBC US Dollar Visa Aventura Gold Visa Card, which will let you pay with US funds and avoid transaction fees.
CIBC Pace It
For those looking to use their CIBC credit card on a larger-scale purchase, the bank offers their Pace It
program. Using this option, cardholders can pay for items of $100 or more on an installment plan of six, 12, or 24 months. The plans all carry much lower-than-average interest rates (5.99%, 6.99%, and 7.99%, respectively) and have a one-time installment fee (1.50% of the purchase amount). All you need to do is skim through your transaction history and select one with an "eligible for installments" label, then choose a plan that works best for you. It's a perfect way to manage your budget and make bigger expenses easier to handle.CIBC Costco Mastercard
If you have a Costco membership (and use it frequently), CIBC's co-branded Costco Mastercard may be worth looking into. Using this card, customers can earn cash back on in-store and online Costco purchases, plus save when gassing up at any Costco branded station. It also offers extended warranty protection, purchase security, and mobile device insurance for any tablet or smartphone purchased with the card.
More on CIBC
The Canadian Imperial Bank of Commerce (CIBC) was founded in 1867 and is one of the leading financial institutions in Canada. In 2014, Bloomberg Markets ranked CIBC as the second strongest bank in North America and 15th strongest in the world. CIBC offers retail and business banking, wealth management and wholesale banking. With headquarters in Toronto, Ontario, and over 1,100 branches around the world, CIBC has over 45,000 employees and serves 10 million clients.
Cards summary (+/-)
Mikael Castaldo, Senior Business Manager of Everyday Banking
Mikael is a Senior Business Manager at Ratehub.ca and the driving force behind our Everyday Banking Team. He knows everything there is to know about the best credit cards and bank accounts, and works closely with Canada’s top financial institutions - from banks to credit unions - to help ensure our over 1,200,000 monthly users get matched with the right plastic. A numbers guy at heart, having worked as a strategy consultant at the Boston Consulting Group, he’s found himself right at home as a personal finance expert at Ratehub.ca.
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