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Great rewards

No annual fee

Additional cardholders

Your estimated rewards: 354 dollars for the first year.

$324 per year + welcome offer

Use Click to Pay online

Paying online is easy, smart and secure. No more entering 16-digit card numbers, looking up passwords or filling out forms to make online purchases. Just look for this icon  to click to pay online. For more information, visit VisaOpens a new window in your browser..

Shop securely

Stay secure with chip and pin technology. Get real-time fraud alerts by email, text and phone about suspicious activity on your credit card.

Pay with your phone

Add your credit card to your mobile wallet and pay with Apple Pay, Google Pay™ or Samsung Pay®.

To support you during COVID-19, we’ve reduced the annual interest rate for Purchases and Cash Advances to 10.99% until February 2021.

Annual fee (for primary cardholder and up to 3 additional cards)

Purchase interest rate

(10.99% until the first day of the period covered by your February 2021 monthly statement)

Cash interest rate

(10.99% until the first day of the period covered by your February 2021 monthly statement)

Minimum annual household income



Protect your purchases with double the manufacturer’s warranty, up to one additional year.

Insurance Certificate for Purchase Security and Extended Protection Insurance (PDF, 100 KB) Opens a new window in your browser.

Optional EXTRA

Helps you pay your credit card in times of need, like involuntary job loss, disability, critical illness or if you were to pass away.

CIBC Payment Protector Insurance for Credit Cards (PDF, 770 KB) Opens a new window in your browser.

CIBC Payment Protector™ Insurance for Credit Cards is an optional creditor’s group insurance underwritten by Canadian Premier Life Insurance Company (Canadian Premier) and administered by Canadian Premier and CIBC. For more information, go to canadianpremier.caOpens a new window in your browser. or call toll-free at 1-800-893-2862Opens your phone app..

Optional EXTRA

Enjoy your trip more knowing you have insurance protection in the event of an emergency.

Learn about CIBC Travel Medical InsuranceOpens a new window in your browser.

Have questions?

You may experience longer than normal wait times due to a higher volume of calls.