Best CIBC Credit Cards in Canada - October 2026

Looking for the best CIBC Credit Cards in Canada? The right choice depends on your spending, annual fees and the benefits you will actually use.

Compare the 10 cards in our selection below. Interested in a card? Click Read review to read our full analysis.

Our selection — CIBC
Credit card	Annual fee	Welcome offer
CIBC Select Visa* Card Apply NowCompareRead review	Annual feeFirst-Year Annual Fee Rebate$29 $0First-Year Annual Fee Rebate	Welcome offer$29 annual fee rebated First-Year Annual Fee Rebate $29 annual fee rebated	Apply NowCompareRead review
CIBC Dividend^® Visa* Card for Students Apply NowCompareRead review	Annual fee$0	Welcome offerAfter $1,000 in 4 months Up to $125 cash back After $1,000 in 4 months	Apply NowCompareRead review
CIBC Dividend^® Visa* Card Apply NowCompareRead review	Annual fee$0	Welcome offerAfter $2,000 in 4 months Up to $100 cash back After $2,000 in 4 months	Apply NowCompareRead review
CIBC Dividend Platinum^® Visa* Card Apply NowCompareRead review	Annual feeFirst Year Annual Fee Rebate$99 $0First Year Annual Fee Rebate	Welcome offerAfter $2,000 in 4 months Up to $250 cash back After $2,000 in 4 months	Apply NowCompareRead review
CIBC^® Aeroplan^® Visa Infinite Privilege* Card Apply NowCompareRead review	Annual fee$599	Welcome offerAfter $25,000 in 12 months Up to 100,000 points After $25,000 in 12 months	Apply NowCompareRead review
CIBC Aventura^® Visa* Card Apply NowCompareRead review	Annual fee$0	Welcome offerAfter $1 in 4 months Up to 12,500 points After $1 in 4 months	Apply NowCompareRead review
CIBC Aventura^® Visa* Card for Students Apply NowCompareRead review	Annual fee$0	Welcome offerAfter $1 in 4 months Up to 12,500 points After $1 in 4 months	Apply NowCompareRead review
CIBC Aeroplan^® Visa Infinite* Card Apply NowCompareRead review	Annual feeFirst Year Annual Fee Rebate$139 $0First Year Annual Fee Rebate	Welcome offerAfter $12,000 in 12 months Up to 50,000 points After $12,000 in 12 months	Apply NowCompareRead review
CIBC Aeroplan^® Visa* Business Card Apply NowCompareRead review	Annual feeFirst Year Annual Fee Rebate$180 $0First Year Annual Fee Rebate	Welcome offerAfter $40,000 in 12 months Up to 75,000 points After $40,000 in 12 months	Apply NowCompareRead review
CIBC Adapta^™ Mastercard^® Apply NowCompareRead review	Annual fee$0	Welcome offerAfter $1,000 in 4 months Up to 6,000 points After $1,000 in 4 months	Apply NowCompareRead review

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 the first year^†

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 year) 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.

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CIBC Select Visa* Card

CIBC First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $29
Our valuationMilesopedia first-year estimate First-year valueAnnual fee rebated$29Total$29Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $29
Welcome offer$29 annual fee rebated: First-Year Annual Fee Rebate

Annual fee

Primary card$29

Additional card$0

Annual income required

Individual$0

Household$15,000

Conversion fees

2.5%

Earning rate

0xAll spending

Value

1st Year Value$29

2nd Year Value$29

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CIBC Dividend^® Visa* Card for Students

The CIBC Dividend^® Visa* Card for Students is one of the best cash back Visa student credit cards in Canada. Apply for the card and get up to $125 in value:

$25 cash back after you make your first purchase within the first 4 monthly statements^†
A 10% cash back welcome bonus for the first 4 monthly statements, up to $100^†

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 get a free SPC+ membership, plus over 450 deals on everyday purchases, bigger discounts, special experiences and exclusive giveaways^†.

And this CIBC Student Credit Card offers some insurance coverages:

Purchase Security and Extended Protection Insurance

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CIBC Dividend^® Visa* Card for Students

CIBC Cash Back

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$125Total$125Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $125
Welcome offerAfter $1,000 in 4 months: Up to $125 cash back

Annual fee

Primary card$0

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

2xGroceries
1xTransit
1xBills & recurring payments
1xGas & EV
1xRestaurants
0.5xAll spending

Value

1st Year Value$452

2nd Year Value$263

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

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CIBC Dividend^® Visa* Card

The CIBC Dividend^® Visa* Card is one of the best no-fee cash-back Visa credit cards in Canada.

Get 5% cash back on net purchases for the first 4 statements, on up to $2,000 in purchases (up to $100 cash back)^†.

Plus, 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^†

This no-annual-fee CIBC credit card offers certain insurance coverages:

Purchase Security and Extended Protection Insurance

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CIBC Dividend^® Visa* Card

CIBC Cash Back

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$100Total$100Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $100
Welcome offerAfter $2,000 in 4 months: Up to $100 cash back

Annual fee

Primary card$0

Additional card$0

Annual income required

Individual$15,000

Household$15,000

Conversion fees

2.5%

Earning rate

2xGroceries
1xRestaurants
1xGas & EV
1xTransit
1xBills & recurring payments
0.5xAll spending

Value

1st Year Value$427

2nd Year Value$238

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

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CIBC Dividend Platinum^® Visa* Card

Available from $15,000 in annual (household) income, the CIBC Dividend^® Platinum Visa* Card sits below the income requirements of Visa Infinite and World Elite Mastercard tier cards.

With this offer, get up to $300 in value:

A 10% cash back welcome bonus of up to $200 on net purchases up to $2,000 (first 4 statements)
A $50 cash back when setting up a pre-authorized payment (first 4 months)
A first-year annual fee rebate (value of $99)

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

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CIBC Dividend Platinum^® Visa* Card

CIBC Cash BackFirst-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $99
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$250Annual fee rebated$99Total$349Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $349
Welcome offerAfter $2,000 in 4 months: Up to $250 cash back

Annual fee

Primary card$99

Additional card$30

Annual income required

Individual$15,000

Household$15,000

Conversion fees

2.5%

Earning rate

3xGas & EV
3xGroceries
2xBills & recurring payments
2xRestaurants
2xTransit
1xAll spending

Value

1st Year Value$844

2nd Year Value$364

Travel insurance

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental CollisionUp to $65,000 / 48 days

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CIBC^® Aeroplan^® Visa Infinite Privilege* Card

With the CIBC^® Aeroplan^® Visa Infinite Privilege* Card, you can earn up to 100,000 Aeroplan points^†:

10,000 Aeroplan points when you spend $1,000 or more during your first 2 monthly statement periods^†
40,000 Aeroplan points when you spend $5,000 or more during your first 4 monthly statement periods^†
50,000 Aeroplan points as an additional anniversary bonus when you have at least $25,000 in net eligible purchases posted on your account during the first 12 monthly statement periods^†
Access to Air Canada Maple Leaf lounges^†
6 annual visits to airport lounge members of the Visa Airport Companion^† Program hosted by Dragonpass International Ltd.
Up to eight passengers travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight^†

It’s the best CIBC credit card for Air Canada frequent flyers.

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CIBC^® Aeroplan^® Visa Infinite Privilege* Card

CIBC Aeroplan

Annual fee: $599
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$2,000Total$2,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $2,000
Welcome offerAfter $25,000 in 12 months: Up to 100,000 points

Annual fee

Primary card$599

Additional card$149

Annual income required

Individual$150,000

Household$200,000

Conversion fees

2.5%

Earning rate

2xAir Canada flights
1.5xGroceries
1.5xPharmacy
1.5xGas & EV
1.25xAll spending

Value

1st Year Value$2,208

2nd Year Value$283

Card benefits

Concierge service24/7

Airport lounge access$400

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 31 days

Travel medical (55-64)Up to $5,000,000 / 31 days

Travel medical (65+)Up to $5,000,000 / 10 days

Trip CancellationUp to $2,500

Trip InterruptionUp to $5,000

Delayed BaggageUp to $500

Lost BaggageUp to $500

Flight DelayUp to $500

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+2 years

Auto Rental Collision (primary)Up to $85,000 / 48 days

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CIBC Aventura^® Visa* Card

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

With this offer, get up to $200 in value, with no annual fee:

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^†
A free Skip+ membership as an eligible CIBC cardholder (a $110 first-year value)^†

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

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CIBC Aventura^® Visa* Card

CIBC CIBC Aventura

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$125Total$125Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $125
Welcome offerAfter $1 in 4 months: Up to 12,500 points

Annual fee

Primary card$0

Additional card$0

Annual income required

Individual$15,000

Household$15,000

Conversion fees

2.5%

Earning rate

1xPharmacy
1xGroceries
1xGas & EV
0.5xAll spending

Value

1st Year Value$332

2nd Year Value$194

Travel insurance

Travel AccidentUp to $100,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

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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.

With this offer, get up to $200 in value, with no annual fee:

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^†
A free Skip+ membership as an eligible CIBC cardholder (a $110 first-year value)^†

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 get a free SPC+ membership, plus over 450 deals on everyday purchases, bigger discounts, special experiences and exclusive giveaways^†. And this CIBC Student Credit Card offers some insurance coverage:

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

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CIBC Aventura^® Visa* Card for Students

CIBC CIBC Aventura

Annual fee: $0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$125Total$125Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $125
Welcome offerAfter $1 in 4 months: Up to 12,500 points

Annual fee

Primary card$0

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

1xGroceries
1xPharmacy
1xGas & EV
0.5xAll spending

Value

1st Year Value$332

2nd Year Value$194

Travel insurance

Travel AccidentUp to $100,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

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CIBC Aeroplan^® Visa Infinite* Card

With the CIBC Aeroplan^® Visa Infinite* Card, you can earn up to 50,000 Aeroplan points and a rebate on annual fees for the first year:

10,000 Aeroplan points the first time you make a purchase^†
15,000 Aeroplan points when you spend $6,000 or more during the first 6 monthly statements periods^†
25,000 Aeroplan points as an additional anniversary bonus when you have at least $12,000 in net purchases posted on your account during the first 12 monthly statement periods^†
First-year annual fee waived for primary cardholder (instead of $139)^†
First-year annual fee waived for up to 3 additional cardholders (instead of $50 per card)^†
Up to eight passengers travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight^†

It’s the best CIBC credit card for occasional Air Canada travellers.

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CIBC Aeroplan^® Visa Infinite* Card

CIBC Aeroplan First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $139
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,000Annual fee rebated$139Total$1,139Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,139
Welcome offerAfter $12,000 in 12 months: Up to 50,000 points

Annual fee

Primary card$139

Additional card$50

Annual income required

Individual$60,000

Household$100,000

Conversion fees

2.5%

Earning rate

1.5xGas & EV
1.5xPharmacy
1.5xGroceries
1.5xAir Canada flights
1xAll spending

Value

1st Year Value$1,714

2nd Year Value$425

Card benefits

Concierge service24/7

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days

Travel medical (55-64)Up to $5,000,000 / 15 days

Travel medical (65+)Up to $5,000,000 / 3 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $2,000

Delayed BaggageUp to $500

Lost BaggageUp to $500

Flight DelayUp to $500

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental Collision (primary)Up to $65,000 / 48 days

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CIBC Aeroplan^® Visa* Business Card

The CIBC Aeroplan^® Visa* Business Card is the go-to business credit card for earning Aeroplan points on your company spending.

Get up to 75,000 Aeroplan points, a value of up to $1,500^†:

10,000 points the first time you make a purchase
25,000 points when you spend at least $7,500 within the first 3 statement periods
25,000 points when $40,000 or more in purchases are charged to the account within the first 12 monthly statement periods
An additional bonus of 15,000 points when $40,000 or more is charged to the account in the first year

On top of that, you get a one-time annual fee rebate for the primary cardholder ($180) and three additional cardholders ($50 each), a benefit valued at $330^†.

What the card gives you after that:

1 Aeroplan point per dollar on eligible purchases
Free first checked bag^†, a benefit valued at $140 for two travellers per round-trip flight
Additional cards for your employees, at $50 each

The annual fee is $180. The annual interest rate is 12.99% on purchases and 14.5% on cash advances. A 2.5% conversion fee applies to foreign currency transactions.

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CIBC Aeroplan^® Visa* Business Card

Business CIBC Aeroplan First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $180
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,500Annual fee rebated$180Total$1,680Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,680
Welcome offerAfter $40,000 in 12 months: Up to 75,000 points

Annual fee

Primary card$180

Additional card$50

Annual income required

Individual$35,000

Household$35,000

Conversion fees

2.5%

Earning rate

2xAir Canada flights
1.5xGas & EV
1.5xTransit
1.5xRestaurants
1.5xTelecom
1xAll spending

Value

1st Year Value$1,390

2nd Year Value$355

Travel insurance

Travel MedicalIncluded

Trip CancellationUp to $1,500

Trip InterruptionUp to $2,000

Delayed BaggageUp to $500

Lost BaggageUp to $500

Flight DelayUp to $500

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental Collision (primary)Up to $65,000 / 48 days

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CIBC Adapta^™ Mastercard^®

With this offer for the CIBC Adapta Mastercard, you can get a value of up to $200 as a welcome bonus, with no annual fee:

3,000 Adapta points (up to $25) on your first purchase
An additional 3,000 Adapta points (up to $25) after $1,000 in cumulative spending over your first four statements
A free Skip+ membership (a $110 value)
A roadside assistance membership (a $50 value) provided by the Dominion Automobile Association, including towing, battery boost, fuel delivery and more

With the CIBC Adapta Mastercard, you can earn:

1.5 Adapta points per dollar in your top three monthly spending categories; or
2 Adapta points per dollar on eligible travel purchases made through CIBC Travel powered by Expedia; or
1 Adapta point per dollar for all other purchases

Plus, link your CIBC Adapta Mastercard to Journie Rewards to save up to 10¢ per litre on fuel at participating stations. And since it’s a Mastercard credit card, you can also use your CIBC Adapta Mastercard at Costco.

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CIBC Adapta^™ Mastercard^®

CIBC Adapta

Annual fee: $0
Welcome offerAfter $1,000 in 4 months: Up to 6,000 points

Annual fee

Primary card$0

Additional card$0

Annual income required

Individual$15,000

Household$15,000

Conversion fees

2.5%

Earning rate

1xAll spending

Value

1st Year Value$252

2nd Year Value$202

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

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See more cards →

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 the first year^†

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.

CIBC Select Visa* Card

Annual fee

Annual income required

Conversion fees

Earning rate

Value

CIBC Dividend® Visa* Card for Students

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Purchase protection

CIBC Dividend® Visa* Card

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Purchase protection

CIBC Dividend Platinum® Visa* Card

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Travel insurance

Purchase protection

CIBC® Aeroplan® Visa Infinite Privilege* Card

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Card benefits

Travel insurance

Purchase protection

CIBC Aventura® Visa* Card

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Travel insurance

Purchase protection

CIBC Aventura® Visa* Card for Students

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Travel insurance

Purchase protection

CIBC Aeroplan® Visa Infinite* Card

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Card benefits

Travel insurance

Purchase protection

CIBC Aeroplan® Visa* Business Card

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Travel insurance

Purchase protection

CIBC Adapta™ Mastercard®

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Purchase protection

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CIBC Dividend^® Visa* Card for Students

CIBC Dividend^® Visa* Card

CIBC Dividend Platinum^® Visa* Card

CIBC^® Aeroplan^® Visa Infinite Privilege* Card

CIBC Aventura^® Visa* Card

CIBC Aventura^® Visa* Card for Students

CIBC Aeroplan^® Visa Infinite* Card

CIBC Aeroplan^® Visa* Business Card

CIBC Adapta^™ Mastercard^®