Best CIBC Credit Cards | June 2026

Q: What are the best CIBC credit cards for travel?

The best CIBC credit cards for travel are:- CIBC Aventura® Visa Infinite* Card; - CIBC Aventura® Gold Visa* Card; With each of these CIBC credit cards, you will earn travel rewards through your purchases, a welcome bonus, and travel benefits (4 lounge accesses, NEXUS reimbursement, insurance, etc.). You will also benefit from insurance coverage. And from time to time, CIBC offers an exclusive welcome offer for the CIBC Aventura® Visa Infinite* Card.

Q: What are the best CIBC credit cards with cashback?

The best CIBC credit cards with cashback are:- CIBC Dividend® Visa Infinite* Card; - CIBC Dividend Platinum® Visa* Card; With the CIBC Dividend® Visa Infinite* Card, the best CIBC cashback credit card, you will receive a welcome bonus and earn up to 4% cashback on your purchases.If you do not meet the minimum income requirement, you could apply for the CIBC Dividend Platinum® Visa* Card, which offers up to 3% cashback.And from time to time, CIBC offers an exclusive welcome offer for the CIBC Dividend® Visa Infinite* Card.

Q: What is CIBC's rewards program?

CIBC's rewards program is the Aventura program.Within this rewards program, you will find these two CIBC travel credit cards:- CIBC Aventura® Visa Infinite* Card; - CIBC Aventura® Gold Visa* Card; With this program, you earn travel rewards. If you prefer to earn cashback, opt instead for the CIBC Dividend® Visa Infinite* Card.

Q: How to apply for a credit card?

To apply for a credit card, follow these steps:- Research available credit cards on the market based on your needs, credit history, and preferences. You can consult a credit card comparison site like Milesopedia. ; - Once you have found the card that suits you, visit the card issuer's website or contact the bank to obtain an application form.; - Complete the application form by providing accurate and complete information such as your name, address, income, expenses, and credit history.; - Attach the required supporting documents, such as bank statements and proof of income.; - Submit your application by mail or online, depending on the options offered by the card issuer.; - Await a response from the card issuer, which may take a few days to a few weeks. If your application is accepted, you will receive your new credit card by mail. ; It is important to note that applying for a credit card can impact your credit history. It is therefore recommended not to make multiple applications at the same time and to only apply if you are sure you meet the card issuer's eligibility criteria.

Q: How do I get a CIBC Credit Card?

To obtain a CIBC credit card, you can follow these steps:- Consult the best CIBC credit card offers on Milesopedia and choose the one that best suits your needs.; - Click the "Apply" button to complete an online credit card application.; - Fill in the personal and financial information requested in the application form. Ensure you provide accurate and complete information. ; - Submit the application online and await CIBC's response. This response may take a few business days. ; - If your application is approved, CIBC will send you your credit card by mail. You can then activate it and start using it. ; Find out more about CIBC.

The Best CIBC Credit Cards – June 2026

Below are the best CIBC credit card offers.

The Best CIBC Credit Cards with Cashback
The Best CIBC Credit Cards with Travel Rewards
The Best CIBC Credit Cards with No Annual Fee
The Best CIBC Credit Cards for Students
The Best CIBC Credit Card for a Balance Transfer

Here is a table summarizing the different offers.

CIBC Travel Rewards Credit Cards

CIBC Aventura^® Gold Visa* Card

If you do not meet the income requirements of CIBC Aventura^® Visa Infinite* Card, you can apply for CIBC Aventura^® Gold Visa* Card. The minimum annual income required for this card is $15,000 (household).

CIBC has a digital offer with which you can earn up to 45,000 Aventura points :

15,000 Aventura Points when you make your first purchase^†
30,000 Aventura Points when you spend $3,000 or more in the first 4 monthly statement periods^†

In addition, you can benefit from a rebate on the first year’s annual fee for the primary card holder ($139 value) and up to three authorized users ($50 each).

With this CIBC Aventura Credit Card, you get:

2 points for every $1 spent on travel purchased through the CIBC Rewards Centre^†
1.5 points for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores^†
1 point for every $1 spent on all other purchases^†

The CIBC Aventura^® Gold Visa* Card also offers:

Access to airport lounges: one Visa Airport Companion Program membership and 4 free visits per year
Reimbursement of NEXUS membership fees ( $160 value)

CIBC Cashback Credit Cards

CIBC Dividend^® Visa Infinite* Card

The CIBC Dividend^® Visa Infinite* Card is one of the best Visa credit cards with cash back in Canada.

Right now, with this welcome offer, get a 10% welcome bonus in the form of up to $250 cash back (period covered by your first 4 statements) and a rebate on your first year’s annual fees^†!

Plus, receive $50 cash back when you set up a pre-authorized payment within the first 4 months.

With this CIBC cash back credit card, you earn:

4% cash back on eligible gas, electric vehicle charging, and grocery purchases^†
2% cash back on eligible transportation and dining purchases and on eligible recurring bill payments^†
1% cash back on all other purchases^†

For example, if you spend $1,000 per month on groceries and/or gas and/or electric vehicle charging, you’ll earn $40 cash back per month or $480 cash back per year with this card for this category of purchases!

And that’s not counting the other purchases you’ll make with this card and the advantages it offers (particularly in terms of insurance).

And this CIBC Cash Back Credit Card offers many insurance coverages:

Auto Rental Collision/Loss Damage Insurance
$500,000 Common Carrier Accident Insurance
Out-of-Province Emergency Travel Medical Insurance
Purchase Security and Extended Protection Insurance

CIBC Dividend Platinum^® Visa* Card

If you don’t meet the income requirements for the CIBC Dividend^® Visa Infinite* Card, you could apply for the CIBC Dividend^® Platinum Visa* Card. The minimum annual income required for this card is $15,000 (household).

With this offer, get a 10% welcome bonus in the form of up to $250 cash back (period covered by your first 4 statements) and a rebate for your first year’s annual fees!^†

Plus, receive $50 cash back when you set up a pre-authorized payment within the first 4 months.

With the CIBC Dividend^® Platinum Visa* Card, you get:

3% on eligible gas, electric vehicle charging, and grocery purchases^†
2% cash back on eligible transportation and dining purchases and on eligible recurring bill payments^†
1% cash back on all other purchases^†

And this CIBC Cash Back Credit Card offers some insurance coverage:

Auto Rental Collision/Loss Damage Insurance
$500,000 Common Carrier Accident Insurance
Purchase Security and Extended Protection Insurance

CIBC No Annual Fee Credit Cards

CIBC Aventura^® Visa* Card

The CIBC Aventura^® Visa* Card is one of the best no-fee Visa credit cards with travel rewards in Canada.

Get up to 12,500 Aventura points (a value of up to $125 toward travel^†):

2,500 Aventura Points when you complete all five activities within 60 days of your CIBC Aventura^® Visa* account approval.^†
10,000 Aventura points after making your first purchase during the period covered by your first 4 monthly statements^†

With this no annual fee CIBC Aventura Credit Card, you get:

1 point for every dollar spent at gas stations, electric vehicle charging stations, and eligible grocery and drug stores†
1 point for every $1 spent on travel purchased through the CIBC Rewards Centre
1 point for every $2 spent on all other purchases

And this no-annual-fee CIBC Credit Card offers some insurance coverage:

$100,000 Common Carrier Accident Insurance
Purchase Security and Extended Protection Insurance

CIBC Credit Cards for Students

CIBC Dividend^® Visa* Card for Students

The CIBC Dividend^® Visa* Card for Students is one of the best Visa credit cards for students with cash back in Canada. Apply for the card and get up to $150 cash back.

With this CIBC Student Credit Card, you get:

2% cash back on eligible grocery purchases^†
1% cash back on eligible gas, electric vehicle charging, transportation, and dining purchases and on eligible recurring payments^†
0.5% cash back on all other purchases^†

What’s more, with this CIBC Student Credit Card, you benefit from a free free membership to SPC, for instant savings on over 450 in-store and online transactions.

And this CIBC Student Credit Card offers some insurance coverages:

Purchase Security and Extended Protection Insurance

CIBC Aventura^® Visa* Card for Students

CIBC Aventura Visa* Card for Students is one of the best travel rewards Visa student credit cards in Canada.

Get up to 12,500 Aventura points (a value of up to $125 toward travel^†):

2,500 Aventura Points when you complete all five activities within 60 days of your CIBC Aventura^® Visa* account approval.^†
10,000 Aventura points after making your first purchase during the period covered by your first 4 monthly statements^†

With this CIBC Aventura Student Credit Card, you get:

1 point for every $1 spent on travel purchased through the CIBC Rewards Centre^†
1 point for every dollar spent at gas stations, electric vehicle charging stations, and eligible grocery and drug stores†
1 point per $2 spent on all other ^purchases†

What’s more, with this CIBC Student Credit Card, you benefit from a free free membership to SPC, for instant savings on over 450 in-store and online transactions. And this CIBC Student Credit Card offers some insurance coverage:

$100,000 Common Carrier Accident Insurance
Purchase Security and Extended Protection Insurance

CIBC Credit Cards for Balance Transfers

CIBC Select Visa* Card

The CIBC Select Visa* Card is one of the best Visa credit cards in Canada for balance transfers.

With this exclusive digital offer for this CIBC balance transfer credit card, you get:

a 0% interest rate on balance transfers of at least $100, for up to 10 months
a refund of the annual fee for two years^†

You only pay a 1% balance transfer fee when transferring a balance from another credit card (balance transfer fees do not apply to Quebec residents). Once the promotional period ends, the card’s standard interest rate of 13.99% applies to any remaining balance. This interest rate is lower than those charged by many other credit cards.

For example, you could make large purchases on another credit card (such as renovations or furniture and appliance purchases) and then transfer the balance to the CIBC Select Visa Card to benefit from its 0% interest rate on balance transfers for 10 months.

CIBC Select Visa* Card cardholders can also save on gas through the card’s partnership with Journie Rewards, which allows them to save up to 10 cents per litre at participating gas stations.

The CIBC Select Visa* Card has a $29 annual fee (refunded for the first two years) and requires a minimum household income of $15,000 to qualify. With CIBC mobile banking and online banking services, you can easily track your credit limit and balance transfers from your phone or by signing in online.

Awards Earned

Here are the awards received in the Milesopedia ranking of the best credit cards in Canada in 2025:

Best Visa Credit Card

The CIBC Aventura^® Visa Infinite* Card is the Best Visa Credit Card in Canada in 2025 for these reasons:

4 annual accesses to airport lounges
NEXUS Membership credit
Up to 2 Aventura points per dollar
Generous insurance coverage
Accepted at almost every retailer worldwide

Best cash back credit card

The CIBC Dividend^® Visa Infinite* Card is the best cashback credit card in Canada in 2025 for these reasons:

High cash back for common merchants: 4% on groceries and gas, 2% on transit, restaurants, and recurring bill payments, and 1% everywhere else
Option to receive a credit to your account starting at $10 in cashback
Accepted at almost every retailer

Best Balance Transfer Credit Card

The CIBC Select Visa* Card is the best credit card for balance transfers in Canada in 2025:

Recurring offer of 0% interest on balance transfers for up to 10 months, subject to a 1% transfer fee.

Best Credit Card For Students

The Best CIBC Credit Cards – May 2026 - 2025 Milesopedia Palmares Best Student Credit Card

The CIBC Dividend^® Visa* Card for Students is the best credit card for students in Canada in 2025 for these reasons:

Cash back earning categories for everyday purchases
Free registration in the SPC program with student discounts
Insurance coverage
Accepted at almost every retailer
No minimum income required
No annual fee

Frequently Asked Questions

Here are frequently asked questions in the Milesopedia community about CIBC credit cards in Canada.

What are the best CIBC credit cards for travel?

The best CIBC credit cards for travel are:

With each of these CIBC credit cards, you will earn travel rewards through your purchases, a welcome bonus, and travel benefits (4 lounge accesses, NEXUS reimbursement, insurance, etc.). You will also benefit from insurance coverage.

And from time to time, CIBC offers an exclusive welcome offer for the CIBC Aventura^® Visa Infinite* Card.

What are the best CIBC credit cards with cashback?

The best CIBC credit cards with cashback are:

With the CIBC Dividend^® Visa Infinite* Card, the best CIBC cashback credit card, you will receive a welcome bonus and earn up to 4% cashback on your purchases.

If you do not meet the minimum income requirement, you could apply for the CIBC Dividend Platinum^® Visa* Card, which offers up to 3% cashback.

And from time to time, CIBC offers an exclusive welcome offer for the CIBC Dividend^® Visa Infinite* Card.

What is the best CIBC Visa credit card for students?

You have a choice of three CIBC Visa credit cards for students:

These three CIBC Visa credit cards for students have no annual fees and will help you build your credit history.

What is the best CIBC credit card for balance transfers?

Looking to transfer your balance to a CIBC credit card? The best CIBC credit card for balance transfers is the CIBC Select Visa* Card, which regularly offers promotions for balance transfers.

Furthermore, the CIBC Select Visa* Card offers a low interest rate of 13.99% for purchases.

The interest rate for cash advances is 13.99%. The interest rate for balance transfers is 13.99% outside of promotional periods.

Can I have multiple CIBC credit cards?

Yes, you can have multiple CIBC credit cards at the same time.

For example, the CIBC Aventura^® Visa Infinite* Card and the CIBC Dividend^® Visa Infinite* Card. You could even receive a rebate on annual fees with a CIBC bank account.

What is CIBC’s rewards program?

CIBC’s rewards program is the Aventura program.

Within this rewards program, you will find these two CIBC travel credit cards:

With this program, you earn travel rewards. If you prefer to earn cashback, opt instead for the CIBC Dividend^® Visa Infinite* Card.

How to apply for a credit card?

To apply for a credit card, follow these steps:

Research available credit cards on the market based on your needs, credit history, and preferences. You can consult a credit card comparison site like Milesopedia.
Once you have found the card that suits you, visit the card issuer’s website or contact the bank to obtain an application form.
Complete the application form by providing accurate and complete information such as your name, address, income, expenses, and credit history.
Attach the required supporting documents, such as bank statements and proof of income.
Submit your application by mail or online, depending on the options offered by the card issuer.
Await a response from the card issuer, which may take a few days to a few weeks. If your application is accepted, you will receive your new credit card by mail.

It is important to note that applying for a credit card can impact your credit history. It is therefore recommended not to make multiple applications at the same time and to only apply if you are sure you meet the card issuer’s eligibility criteria.

How do I get a CIBC Credit Card?

To obtain a CIBC credit card, you can follow these steps:

Consult the best CIBC credit card offers on Milesopedia and choose the one that best suits your needs.
Click the “Apply” button to complete an online credit card application.
Fill in the personal and financial information requested in the application form. Ensure you provide accurate and complete information.
Submit the application online and await CIBC’s response. This response may take a few business days.
If your application is approved, CIBC will send you your credit card by mail. You can then activate it and start using it.

Find out more about CIBC.

Which credit bureau does CIBC check?

CIBC partners with Equifax to check your credit score and determine if you can obtain a CIBC credit card (and establish your credit limit).

Does CIBC partner with Air Canada?

Yes, CIBC partners with Air Canada and issues Aeroplan credit cards: CIBC Aeroplan credit cards.

These Aeroplan credit cards allow you to earn travel rewards with Air Canada and its Star Alliance partners. However, you can also redeem your Aeroplan points for other types of rewards such as products or gift cards.

How to contact CIBC Visa customer service?

You can contact CIBC Visa at 1-800-465-4653. However, if your inquiry is for a lost or stolen card, please call 1-800-663-4575.

How to pay my CIBC Costco Mastercard?

To pay your CIBC Costco Mastercard, follow these steps:

CIBC Online Banking:

Log in to your CIBC online account.
Click on “Payments” or a similar option.
Select your CIBC Costco Mastercard from the list of accounts.
Enter the amount you wish to pay, select the payment source, then confirm.

CIBC Mobile App:

Open the CIBC mobile app on your smartphone.
Log in with your credentials.
Navigate to the payment section and choose your CIBC Costco Mastercard to make the payment.

Automatic Payment:

You can also set up automatic payments from your bank account to ensure your card is paid on time.

At a CIBC branch:

Visit a CIBC branch.
Provide your CIBC Costco Mastercard details to a representative or use the automated payment machines.

By phone:

Call CIBC customer service.
Follow the voice prompts or speak to a representative to make your card payment.

It is always recommended to check the details and any potential fees associated with each payment method. Also, be sure to pay your card before the due date to avoid late fees.

What will be the new Costco credit card?

It is the CIBC Costco Mastercard.

How to repay a CIBC credit card?

Repaying your CIBC credit card is essential to maintain good financial health and avoid additional fees. Here are the steps for repaying your CIBC credit card:

CIBC Online Banking:

Log in to your CIBC online account.
Go to the “Payments” section or a similar option.
Select your CIBC credit card to repay.
Enter the amount to pay, choose the account to debit, then confirm the payment.

CIBC Mobile App:

Launch the CIBC app on your mobile device.
After logging in, look for the payments section.
Follow the instructions to pay your credit card.

Automatic Payment:

Set up an automatic payment from your bank account to repay your CIBC credit card each month.

In-Branch Payment:

Visit a nearby CIBC branch.
Use the services of a representative or payment machines to repay your card.

Payment by Phone:

Call CIBC customer service.
Follow the instructions to make your card payment.

By Cheque:

Send a cheque to the address indicated on your statement. Be sure to include your CIBC credit card reference number.

Remember to always check your payment due date to avoid late fees. Repaying your balance in full each month helps you avoid additional interest and maintain a good credit score.

How to activate a CIBC credit card?

Log in to your CIBC account to activate your card. If you do not have access to CIBC online banking, register now using your credit card.

What is the newest CIBC credit card?

It is the CIBC Adapta🅪 Mastercard^MD Card. This is a new card with no annual fees. The main distinction of this card is that it automatically adapts to the cardholder’s spending habits.

Thus, you no longer need to adapt to your credit card, because it adapts to you and your spending habits.