Best CIBC Credit Cards In Canada

1. CIBC Aventura Visa Infinite

Earn 2 points per dollar on travel booked through the CIBC Rewards Centre; 1.5 points per dollar on eligible gas, electric vehicle charging, grocery and drugstore purchases; Lounge access; NEXUS application fee rebate; Visa* concierge service.

Annual fee: $139.

Welcome bonus: Earn up to $1,200 in value.

2. CIBC Aeroplan Visa Infinite

Earn 1.5 points per dollar directly with Air Canada® and Air Canada Vacations®, 3; 1.5 points per dollar on eligible gas, electric vehicle charging and groceries3; First bag free1, 6 | Visa* concierge service7, 8 | Preferred pricing9.

Annual fee: $139.

Welcome bonus: Earn up to $1,200 in value in your first year, 1.

3. CIBC Dividend Visa Infinite

Earn 4% cash back on gas and groceries; 2% cash back on recurring bill payments and drugstores; and 1% cash back on all other purchases.

Annual fee: $99.

Welcome bonus: Earn up to $200 cash back after spending $1,000 in the first 3 months.

4. CIBC Cash Back Visa Platinum Card

Earn 1.25% cash back on all purchases.

Annual fee: $99 (waived first year).

Welcome bonus: Earn up to $100 cash back after spending $500 in the first 2 months.

5. CIBC Smart Visa Card

Earn 1% cash back on all purchases.

No annual fee.

Welcome bonus: Earn up to $50 cash back after spending $300 in the first 2 months.

FAQ

What are the benefits of having a CIBC credit card?

There are many benefits to having a CIBC credit card, including:

Rewards: Many CIBC credit cards offer rewards programs, such as cash back or points that can be redeemed for travel, merchandise, or other items.

Building credit: Using a CIBC credit card responsibly can help you build your credit score, which can make it easier to get loans and other forms of credit in the future.

Convenience: CIBC credit cards can be used anywhere that accepts credit cards.

Security: CIBC offers a variety of security features to protect your account, such as fraud protection and purchase protection.

Access to exclusive benefits: CIBC credit cardholders may be eligible for exclusive benefits, such as discounts on travel or merchandise.

What are the different types of CIBC credit cards?

CIBC offers a variety of credit cards, each with its own set of features and benefits. Some of the most popular types of CIBC credit cards include:

Cash back cards: Cash back cards offer you a percentage of your spending back in cash rewards.

Travel rewards cards: Travel rewards cards offer you points or miles that can be redeemed for travel expenses.

Balance transfer cards: Balance transfer cards offer a low introductory interest rate for balance transfers.

Rewards cards: Rewards cards offer you points or miles that can be redeemed for a variety of rewards, such as merchandise, gift cards, or travel.

Student credit cards: Student credit cards are designed for students who are just starting to build their credit history.

How do I choose the right CIBC credit card for me?

There are a few things to consider when choosing the right CIBC credit card for you, including:

Your shopping preferences: What sort of purchases do you usually make?

Your budget: How much can you afford to spend each month on credit card payments?

Your goals: What are you hoping to achieve with your credit card?

Your credit score: What is your credit score?

The features and benefits of the card: What features and benefits are important to you?

How do I apply for a CIBC credit card?

You can apply for a CIBC credit card online, by phone, or in person at a CIBC branch. When you apply for a credit card, you will need to provide your personal information, such as your name, address, and income. Additionally, you must give your credit score.

How do I activate my CIBC credit card?

Once you have been approved for a CIBC credit card, you will need to activate it. You can activate your CIBC credit card online, by phone, or by mail.

How do I make a payment on my CIBC credit card?

You can make a payment on your CIBC credit card online, by phone, by mail, or in person at a CIBC branch.

What is a credit limit?

The largest sum of money you are permitted to borrow with your credit card is your credit limit.

What is a grace period?

The grace period is the amount of time you have to pay your credit card bill in full without being charged interest.

What is a balance transfer?

One way to transfer debt from one credit card to another is through a balance transfer. You may be able to save money on interest by transferring a balance because they often have a low introductory interest rate.

What is a cash advance?

A cash advance is a credit card loan that you take out. Cash advances should only be utilized seldom since they frequently contain hefty interest rates and expenses.

What should I do if my CIBC credit card is lost or stolen?

If you lose or have your CIBC credit card stolen, you should report it immediately to CIBC. You can report your lost or stolen credit card online, by phone, or in person at a CIBC branch.

How can I challenge a transaction on my CIBC credit card?

If you see a charge on your CIBC credit card that you did not make, you should dispute it. You can dispute a charge online, by phone, or in person at a CIBC branch.

What are the interest rates on CIBC credit cards?

The interest rates on CIBC credit cards vary depending on the card. Some cards have a low introductory interest rate, which can help you save money on interest if you pay your balance in full each month. Other cards have a higher interest rate, which can make it more expensive to carry a balance.

How can I improve my credit score with a CIBC credit card?

There are a few things you can do to improve your credit score with a CIBC credit card, including:

Pay your bill on time each month: This is the most important factor in determining your credit score.

Keep your credit usage low: The amount of credit you are currently utilizing represents your credit utilization. Aim to keep your credit utilization below 30%.

Don't apply for too many credit cards too quickly: Applying for too many credit cards in a short period of time can hurt your credit score.

In the event that you discover any inaccuracies on your credit report, you should promptly dispute them.

What are the rewards programs offered by CIBC credit cards?

CIBC offers a variety of rewards programs for its credit cards, such as cash back, travel rewards, and points. The rewards program that is right for you will depend on your spending habits and goals.

How do I redeem my rewards from my CIBC credit card?

You can redeem your rewards from your CIBC credit card in a variety of ways, such as statement credits, travel, merchandise, or gift cards. The redemption method that is right for you will depend on your needs.

How can I get help with my CIBC credit card?

If you need help with your CIBC credit card, you can contact CIBC customer service. You can contact customer service online, by phone, or in person at a CIBC branch.

What are the security features offered by CIBC credit cards?

CIBC offers a variety of security features to protect your credit card account, such as fraud protection and purchase protection. Fraud protection can help you if your card is lost or stolen, and purchase protection can help you if you buy something that turns out to be defective.

What are the terms and conditions of CIBC credit cards?

The terms and conditions of CIBC credit cards are the rules that govern your account. These terms and conditions will include information about your credit limit, interest rates, fees, and rewards program. You can find the terms and conditions of your CIBC credit card online or in your credit card agreement.

Best CIBC Credit Cards In Canada

CIBC credit cards offer rewards programs, such as cash back or points that can be redeemed for travel, merchandise, or other items.