{"id":91259,"date":"2025-07-31T09:00:13","date_gmt":"2025-07-31T13:00:13","guid":{"rendered":"https:\/\/milesopedia.com\/?post_type=card&#038;p=91259"},"modified":"2026-04-01T03:02:28","modified_gmt":"2026-04-01T07:02:28","slug":"cibc-select-visa-card","status":"publish","type":"card","link":"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-select-visa-card\/","title":{"rendered":"CIBC Select Visa* Card"},"excerpt":{"rendered":"<p><strong>The best credit card for balance transfers in Canada.<\/strong><\/p>\n<p><strong>Get 0% interest for up to 10 months<\/strong> with a 1% transfer fee\u2020<\/p>","protected":false},"author":3,"featured_media":167872,"menu_order":0,"template":"","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"on","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":""},"mc_loyalty_program":[],"class_list":["post-91259","card","type-card","status-publish","has-post-thumbnail","hentry","mc_card_type-credit-card","mc_network-visa-en","mc_issuer-cibc-en","mc_rewards_type-balance-transfer","mc_rewards_type-low-interest","mc_best_for-balance-transfer","mc_best_for-low-interest-rates","mc_best_of-balance-transfer","mc_best_of-low-interest","mc_public-consumers","mc_market-all-of-canada"],"acf":{"card_type":[691],"mc_network":720,"mc_network_product":false,"mc_rewards_type":[46407,46408],"mc_loyalty_program":null,"mc_best_for":[38930,38931],"mc_hide_subscribe":false,"mc_best_of":[47074,47073],"mc_best_of_the_month":true,"mc_business_card":false,"mc_faq":[{"mc_faq_question":"Does the CIBC Select Visa* Card has an annual fee?","mc_faq_answer":"<p>Yes, the CIBC Select Visa* Card has annual fees. However, depending on promotions, expenses may be reimbursed.<\/p>\n<p>Find out more about <a href=\"https:\/\/milesopedia.com\/en\/bank\/cibc\/\">CIBC<\/a>.<\/p>"},{"mc_faq_question":"What are the interest rates on the CIBC Select Visa* Card?","mc_faq_answer":"<p>Here are the interest rates for the CIBC Select Visa* Card:<\/p>\n<ul>\n\t<li>Interest rate on purchases: 13.99%<\/li>\n\t<li>Interest rate for balance transfers: 13.99%<\/li>\n\t<li>Interest rate for cash advances: 13.99%<\/li>\n<\/ul>"},{"mc_faq_question":"Does the CIBC Select Visa* Card offer gas promotions?","mc_faq_answer":"<p>Yes, by linking your CIBC Select Visa* Card to Journie Rewards, you can save up to 10 cents per litre\u2020 at participating Pioneer, Fas Gas, Ultramar, and Chevron gas stations.<\/p>"},{"mc_faq_question":"What is the main advantage of the CIBC Select Visa* Card for balance transfers?","mc_faq_answer":"<p>The CIBC Select Visa* Card offers a 0% interest rate on balance transfers for up to 10 months. You'll only pay a 1% fee when you transfer your balance from another credit card. <\/p>"},{"mc_faq_question":"What is the standard interest rate after the 10-month promotional period?","mc_faq_answer":"<p>Once the 10-month promotional period is over, a standard interest rate of 13.99% will apply to any remaining balance.<\/p>"},{"mc_faq_question":"How can the CIBC Select Visa* Card help with significant purchases?","mc_faq_answer":"<p>You can make large purchases on another credit card and then transfer your balance to the CIBC Select Visa* Card to benefit from 0% interest on balance transfers for 10 months.<\/p>"},{"mc_faq_question":"Are there any additional benefits associated with the CIBC Select Visa* Card?","mc_faq_answer":"<p>Yes, users of this card can save on gas thanks to our partnership with Journie Rewards, which offers savings of up to 10 cents per liter at participating service stations.<\/p>"},{"mc_faq_question":"What are the annual fees for the CIBC Select Visa* Card?","mc_faq_answer":"<p>The CIBC Select Visa* Card has an annual fee of $29, with a two-year annual fee rebate.<\/p>"},{"mc_faq_question":"What are the income requirements to qualify for the CIBC Select Visa* Card?","mc_faq_answer":"<p>To qualify, you must have an annual family income of at least $15,000.<\/p>"},{"mc_faq_question":"How does a balance transfer work with the CIBC Select Visa* Card?","mc_faq_answer":"<p>You can transfer up to 50% of your credit limit. If you maintain a balance and make your minimum payments on time, this transfer could save you money on interest charges.<\/p>"},{"mc_faq_question":"What happens to my grace period on new purchases if I take advantage of the balance transfer offer?","mc_faq_answer":"<p>You will lose your interest-free period and grace period on new purchases unless you pay the amount due each month, including any promotional rate balance.<\/p>"},{"mc_faq_question":"How can I take advantage of the balance transfer offer when I apply online?","mc_faq_answer":"<p>When you complete your online application, check the box to indicate that you chose the balance transfer option. After taking advantage of this offer, you'll have a promotional interest-rate balance in your account.<\/p>"},{"mc_faq_question":"How can I save on gas with the CIBC Select Visa* Card?","mc_faq_answer":"<p>Link your CIBC Select Visa* Card to Journie Rewards and use it at participating Pioneer, Fas Gas, Ultramar, and Chevron gas stations to save up to 10 cents per litre.<\/p>"},{"mc_faq_question":"What is a balance transfer?","mc_faq_answer":"<p>A balance transfer is a financial transaction where you transfer the balance from one credit card to another, often to benefit from a lower interest rate on the transferred balance. With the CIBC Select Visa* Card, you can benefit from a 0% interest rate for up to 10 months on transferred balances, for a fee of 1%. <\/p>"},{"mc_faq_question":"How do I pay my CIBC credit card balance?","mc_faq_answer":"<p>You can pay your CIBC Select Visa* Card balance in a number of ways, including online via <a href=\"https:\/\/www.cibc.com\/\">CIBC<\/a> Mobile Banking, by pre-authorized debit from a savings or current account, or by visiting a CIBC branch to make a payment in person.<\/p>"},{"mc_faq_question":"Is it possible to withdraw cash with a credit card?","mc_faq_answer":"<p>Yes, it is generally possible to withdraw money with a credit card, an operation often referred to as a \"cash advance.\" However, it's important to note that cash advances are often subject to high interest rates and additional fees. We therefore recommend that you read the terms and conditions of your credit card carefully before making such a transaction.<\/p>"}]},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>CIBC Select Visa* Card | April 2026<\/title>\n<meta name=\"description\" content=\"Balance transfer promotion: 0% interest for 10 months + first two years free with CIBC Select Visa* Card.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-select-visa-card\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CIBC Select Visa* Card\" \/>\n<meta property=\"og:description\" content=\"Balance transfer promotion: 0% interest for 10 months + 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