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Join the Canadians getting the richest no fee cash back Visa card 

Great rewards

No annual fee

Additional cardholders

$400
$700
$100
Your estimated rewards: 354 dollars for the first year.

$324 per year + welcome offer

Bring a friend. Earn $50. Repeat.

You and a friend could both earn $50 your friend gets our Cash Back Visa* Card or another eligible product with your unique referral link. The best part — there’s no limit to the bonus cash you can earn! So share your link and get rewarded.

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 Visa Opens a new window in your browser..

Learn how it works Opens a new window in your browser.

NEW

Get cash back when you send a Simplii Financial Global Money Transfer and pay using your Cash Back Visa Card. There are no transaction fees and you won’t be charged interest, as long as you pay your balance by the payment due date.

Tell me more about how to send money abroad

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

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

Learn more

Build your credit history in Canada with us

Get up to a $10,000 credit limit when you apply for our credit card through the New to Canada Banking Program. Pay no annual fee and earn cash back on your moving expenses and new bills.

Annual fee (for primary cardholder and up to 3 additional cards)
$0

Purchase interest rate
19.99% 

Cash interest rate
22.99%

Minimum annual household income
$15,000

Verify your identity with ease

NEW Digital banking has never been so simple. Now with Document Verification by Verified.Me you can verify your identity safely from the comfort of your own home. 

Coverage

Included

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.