In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points in a year.

Until September 30th, 2020: 1,000 points is equal to a $10 statement credit on all eligible purchases charged to your Card

Earn 5 points for every $1 spent on Card purchases at eligible restaurants, bars, grocery stores and food delivery in Canada.

Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases.

Earn 1 point for every $1 in Card purchases everywhere else.

Redeem points for any flight, anywhere and anytime with no restrictions.

$120 annual fee.

*Terms and conditions apply.

Purchase interest rate: 19.99%.

Cash advance: 21.99%.

Balance transfer: N/A.

Credit recommended: 660+

Min. income: $0

Welcome Offer: Earn up to 20,000 Aventura Points! Plus, get a first year annual fee rebate*

Earn 2 points for every $1 spent on travel purchased through the CIBC Rewards Centre

Earn 1.5 points for every $1 spent at eligible gas stations, grocery stores and drug stores

1 point for every $1 spent on all other purchases

*Terms and conditions apply.

Purchase interest: 19.99%

Cash advance: 22.99%

Balance transfer: 22.99%

Income eligibility: $60k/year

Welcome offer: Get 800 AIR MILES Bonus Miles!* That is $80 in AIR MILES Cash redemption value.*

No Annual fee*

Get a 1.99% introductory interest rate on Balance Transfers for 9 months*

Get 2x the Miles for every $20 spent at participating AIR MILES Partners*

Get 1 Mile for every $20 spent everywhere else*

Get AIR MILES back every time you spend, plus start building a healthy credit history

*Terms and conditions apply.

Purchase interest: 19.99%

Cash advance: 22.99%

Balance transfer: 22.99%

Credit recommended: 660+

Min. income: $15,000/yr