Below are the best credit card offers from CIBC.
- The Best CIBC Cash Back Credit Cards
- The Best CIBC Travel Credit Cards
- The Best No-Fee CIBC Credit Cards
- The Best CIBC Student Credit Cards
- The Best CIBC Credit Card for Balance Transfers
Here is a table summarizing the different offers.
CIBC Travel Rewards Credit Cards
CIBC Aventura® Visa Infinite* Card
The CIBC Aventura® Visa Infinite* Card is one of the best Visa credit cards with travel rewards.
You can earn up to 40,000 Aventura points with this CIBC digital exclusive offer for Milesopedia readers.
- 20,000 Aventura Points when you make your first purchase†
- Then get 20,000 Aventura Points when you spend $1,000 or more in the first 4 monthly statement periods.†
Plus, you can get a first-year annual fee rebate (a $139 value). 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® Visa Infinite* Card also offers:
- Airport lounges access: Visa Airport Companion Program membership with 4 complimentary visits per year
- A NEXUS application fee rebate (a $50 value)
The minimum annual income required for this card is $60,000 (personal) or $100,000 (household).
CIBC Aventura® Gold Visa* Card
If you don’t meet the income requirements for the CIBC Aventura® Visa Infinite* Card, you could apply for the CIBC Aventura® Gold Visa* Card. The minimum annual income required for this card is $15,000 (household).
You can earn up to 40,000 Aventura points with this CIBC digital exclusive offer for Milesopedia readers.
- 20,000 Aventura Points when you make your first purchase†
- Then get 20,000 Aventura Points when you spend $1,000 or more in the first 4 monthly statement periods.†
Plus, you can get a first-year annual fee rebate (a $139 value). 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:
- Airport lounges access: Visa Airport Companion Program membership with 4 complimentary visits per year
- A NEXUS application fee rebate (a $50 value)
Please note that the CIBC Aventura® Gold Visa* Card offer is on the same CIBC page as the CIBC Aventura® Visa Infinite* Card. To apply for this card, scroll down!
CIBC Cash Back 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.
With this CIBC Cash Back Credit Card, you get:
- 4% cash back on eligible gas, electric vehicle charging and grocery purchases
- 2% cash back on eligible transportation, dining purchases and recurring payments
- 1% on all other purchases
Here’s a digital exclusive offer from CIBC to Milesopedia readers:
For a limited time, earn a 15% cash back welcome bonus of up to $300 (first 4 statements). And you’ll get a first-year annual fee rebate!
And this CIBC Cash Back Credit Card offers many insurance coverages:
- Auto Rental Collision/Loss Damage Insurance
- $500,000 Common Carrier Accident Insurance
- Flight Delay and Baggage Insurance
- Trip Interruption 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 the CIBC Dividend® Platinum Visa* Card, you get:
- 3% cash back on eligible gas, electric vehicle charging and grocery purchases
- 2% cash back on eligible transportation, dining purchases and recurring payments
- 1% on all other purchases
For a limited time, earn a 15% cash back welcome bonus of up to $300 (first 4 statements). And you’ll get a first-year annual fee rebate!
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 Dividend® Visa* Card
The CIBC Dividend® Visa* Card is one of the best no-fee cash back Visa credit cards in Canada.
For a limited time, earn 5% cash back (up to $100 cash back)†.
With this no annual fee CIBC Credit Card, you get:
- 2% cash back on eligible grocery purchases
- 1% cash back on eligible gas, EV charging, transportation, dining purchases and recurring payments†
- 0.5% cash back 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 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 12,000 Aventura Points (up to $120 in travel value†):
- 2,500 Aventura Points when you complete all five activities within 60 days of your CIBC Aventura® Visa* account approval.†
- 9,500 Aventura Points after you make your first purchase.
With this no annual fee CIBC Aventura Credit Card, you get:
- 1 point for every $1 spent at eligible gas stations, EV charging, grocery stores 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:
- Auto Rental Collision and Loss Damage Insurance
- $100,000 Common Carrier Accident Insurance
- Purchase Security and Extended Protection Insurance
CIBC Student Credit Cards
CIBC Dividend® Visa* Card for Students
The CIBC Dividend® Visa* Card for Students is one of the best Student Cash Back Visa credit cards in Canada. For a limited time, get $60 cash back after you make your first purchase within the first 4 months!†
With this CIBC Student Credit Card, you get:
- 2% cash back on eligible grocery purchases
- 1% cash back on eligible gas, EV charging, transportation, dining purchases and recurring payments†
- 0.5% cash back on all other purchases†
Plus, with this CIBC Student Credit Card, you get a free SPC membership for instant savings when you make over 450 transactions in-store and online. And this CIBC Student Credit Card offers some insurance coverages:
- $100,000 Common Carrier Accident Insurance
- Purchase Security and Extended Protection Insurance
CIBC Aventura® Visa* Card for Students
The CIBC Aventura® Visa* Card for Students is one of the best Student Visa credit cards with travel rewards in Canada.
Get up to 12,000 Aventura Points (up to $120 in travel value†):
- 2,500 Aventura Points when you complete all five activities within 60 days of your CIBC Aventura® Visa* account approval.†
- 9,500 Aventura Points after you make your first purchase.
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 $1 spent at eligible gas stations, EV charging, grocery stores and drug stores†
- 1 point for every $2 spent on all other purchases†
Plus, with this CIBC Student Credit Card, you get a free SPC membership for instant savings when you make over 450 transactions in-store and online. And this CIBC Student Credit Card offers some insurance coverage:
- Auto Rental Collision and Loss Damage Insurance
- $100,000 Common Carrier Accident Insurance
- Purchase Security and Extended Protection Insurance
CIBC Credit Cards for Balance Transfer
CIBC Select Visa* Card
The CIBC Select Visa* Card is one of the best balance transfer Visa credit cards in Canada.
With this CIBC Credit Card with a balance transfer option, you earn 0% interest on balance transfers for up to 10 months. You’ll only have to pay a 1% fee when you transfer your balance from another card. Once this promotional period ends, the standard card interest rate of 13.99% will apply to any remaining balance. This interest rate is lower than the rates charged by many other credit cards.
For example, you could make large purchases on another credit card (such as home improvement, furniture or appliances) and transfer your balance to the CIBC Select Visa* Card to take advantage of its 0% interest rate on balance transfers for ten months.
CIBC Select Visa* Card users 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 an annual fee of $29, which is waived in the first year, and requires an annual household income of at least $15,000 to qualify. Despite its lack of additional benefits, the CIBC Select Visa* Card comes with up to $100,000 in Common Carrier Accident Insurance and allows users to add up to three authorized users at no additional cost.
CIBC Credit Card Rewards by Milesopedia
Best Cash Back Card 2022

The CIBC Dividend® Visa Infinite* Card is the Best Cash Back Credit Card in 2022 in Canada for these reasons:
- High cash back earning rate on everyday purchases: 4% on gas and groceries, 2% on transportation, dining and recurring payments and 1% on everything else
- The minimum cash back redemption amount is $25
- Accepted at almost every retailer
Best Cash Back Card - Grocery - 2022

The CIBC Dividend® Visa Infinite* Card is the Best Cash Back Credit Card for Groceries in 2022 in Canada for these reasons:
- High cash back earning rate on everyday purchases: 4% on gas and groceries, 2% on transportation, dining and recurring payments and 1% on everything else
- The minimum cash back redemption amount is $25
- Accepted at almost every retailer
Best Travel Credit Card - Students - 2022

The CIBC Aventura Visa* Card for Students is the Best Travel Credit Card For Students in 2022 in Canada for these reasons:
- Earning categories for everyday purchases
- Free registration to the SPC program offering discounts to students
- Insurance coverage
- Accepted at almost every retailer
- No minimum income required
- No annual fee
Best Balance Transfer Credit Card - 2022

The CIBC Select Visa* Card is the Best Balance Transfer Credit Card in 2022 in Canada:
- Recurring offer for 0% interest on balance transfers for up to 10 months, subject to a 1% transfer fee.
Frequently Asked Questions
Here are some frequently asked questions in the milesopedia community about CIBC credit cards in Canada.
What are the best CIBC travel credit cards?
The best CIBC travel rewards credit cards are:
With each of these CIBC Credit Cards, you’ll earn travel rewards through purchases, a welcome bonus and travel benefits (4 VIP lounge visits, $50 NEXUS Credit, insurance, etc.). Also, you will benefit from comprehensive insurance coverage.
And from time to time, CIBC runs an exclusive welcome offer for the CIBC Aventura® Visa Infinite* Card.
What are the best CIBC cash back credit cards?
The best CIBC cash back credit cards are :
With the CIBC Dividend® Visa Infinite* Card, CIBC’s best cash back credit card, you’ll earn a welcome bonus and earn up to 4% cash back on purchases.
If you do not have the minimum income requirement, you may want to apply for the CIBC Dividend Platinum® Visa* Card which offers up to 3% cash back.
And from time to time, CIBC runs an exclusive welcome offer for the CIBC Dividend® Visa Infinite* Card.
What is the best CIBC Visa Student Credit Card?
You can choose from three CIBC Visa Student Credit Cards:
- CIBC Aventura® Visa* Card for Students
- CIBC Dividend® Visa* Card for Students
- CIBC Aeroplan® Visa* Card for Students
These three CIBC Visa Student Credit Cards have no annual fee and will help you build your credit history.
What is the best CIBC credit card for balance transfers?
Do you want to transfer your balance to a CIBC Credit Card? The best CIBC credit card for balance transfers is the CIBC Select Visa* Card which offers regular promotions on balance transfers.
And the CIBC Select Visa* Card offers a low rate on purchases of 13.99%.
The interest rate for cash advances is 13.99%. The interest rate for balance transfers is 13.99%, excluding promotional periods.
Can I have multiple CIBC credit cards?
Yes, you can have multiple CIBC credit cards at the same time.
Such as the CIBC Aventura® Visa Infinite* Card and the CIBC Dividend® Visa Infinite* Card. You may even get a rebate on the annual fee with a CIBC bank account.
What is the CIBC 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 get travel rewards. If you prefer to earn cash back, choose the CIBC Dividend® Visa Infinite* Card instead.
How do I apply for a credit card?
To apply for a credit card, follow these steps:
- Search for available credit cards in the market based on your needs, credit history and preferences. You can check out a credit card comparison site like Milesopedia.
- Once you’ve found the right card for you, visit the card issuer’s website or contact the bank for an application form.
- Complete the application form with accurate and complete information such as your name, address, income, expenses and credit history.
- Attach supporting documents such as bank statements and proof of income.
- Send your request by mail or online, depending on the options offered by the card issuer.
- Wait for a response from the card issuer, which may take a few days to a few weeks. If your application is successful, you will receive your new credit card in the mail.
It is important to note that applying for a credit card can have an impact on your credit history. Therefore, it is recommended that you do not apply multiple times at the same time and only apply if you are sure you meet the card issuer’s eligibility requirements.
How do I get a CIBC Credit Card?
To get a CIBC Credit Card, you can take the following steps:
- Check out the best CIBC credit card offers on Milesopedia and choose the one that best suits your needs.
- Click the “Apply Now” button to complete an online credit card application.
- Fill out the personal and financial information requested in the application form. Be sure to provide accurate and complete information.
- Submit the application online and wait for a response from CIBC. This response may take a few business days.
- If your application is approved, CIBC will mail your credit card to you. Then you can activate it and start using it.
Which credit bureau is verified by CIBC?
CIBC partners with Equifax to check your credit score and determine if you are eligible for 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: the CIBC Aeroplan Credit Cards.
These Aeroplan credit cards allow you to earn travel rewards with Air Canada and its Star Alliance partners. But you can also redeem your Aeroplan points for other types of rewards such as products or gift cards.
How do I contact CIBC Visa Customer Service?
You can contact CIBC Visa at 1-800-465-4653. However, if your request is for a lost or stolen card, call 1-800-663-4575.