CIBC Aventura Gold® Visa* Card
† This offer applies to the following eligible cards: CIBC Aventura Visa Infinite and CIBC Aventura Gold Visa Card. You must apply and be approved for a new eligible card between March 1, 2019 and June 30, 2019 to qualify for this offer. In order to be eligible for over $750 in travel value, a client must abide by the terms and conditions set out as provided in footnotes 8 and 9 below.
The $750 value is based on the following, as at March 1, 2019:
i. $120 travel credit as disclosed in the offer Terms and Conditions as provided in footnote † section iii;
ii. $400 value is based on the maximum redemption value for 20,000 Aventura Points on a short haul airfare purchase, based on the Aventura Airline Rewards Chart at www.cibcrewards.com, before taxes and other charges;
iii. A Priority Pass membership valued at $99 U.S. each year;
iv. 4 visits with your priority pass membership valued at $27 U.S. per person per visit; and
v. A NEXUS◊ application fee valued at $50 CAD or $50 U.S..
If you apply and are approved for a new card, you can receive:
i. A welcome bonus of 15,000 Aventura Points when you make your first purchase at any time with your card.
ii. An additional bonus of 5,000 Aventura Points if you have at least $1,000 in net purchases posted to your account during the first 4 monthly statement periods. For this bonus the following do not qualify as purchases: cash advances, balance transfers, CIBC Convenience Cheques, fees, interest, Aventura Points redemptions and payments. It may take up to several business days for purchases to be posted to your account. Aventura Points are awarded to you within 8 weeks after all qualifying purchase(s) are posted to your account. Card account must be open and in good standing at the time the bonus Aventura Points are awarded.
iii. A $120 travel credit. The $120 travel credit can be used in a single transaction towards flight, hotel, car rental and vacation package bookings made using your CIBC Aventura Visa Infinite or CIBC Aventura Gold Visa Card and towards taxes and fees. The $120 travel credit can also be used towards a travel booking charged to your CIBC Aventura Visa Infinite or CIBC Aventura Gold Visa Card and in conjunction with any rewards purchase or redemption of Aventura Points. If the value of your booking is less than $120, you forfeit the balance of your travel credit. Only the primary cardholder or a delegate can use the travel credit. You must call an Aventura Travel Assistant at 1-888-232-5656 to apply the travel credit; the travel credit cannot be applied or used for online bookings. The $120 travel credit offer cannot be combined with any other CIBC credit card products offering a travel credit. Your account must be in good standing at the time of booking to take advantage of the travel credit. Unused credits will expire on June 30, 2020.
Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Aventura Visa Infinite Card or CIBC Aventura Gold Visa Card are excluded. This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. This offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion.
1 Aventura Points are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments, regular CIBC Convenience Cheques or Aventura Points redemptions. Aventura Rewards and Program Terms may change without notice. Taxes, fees and surcharges may apply to Rewards. Aventura Points earned on purchases during a monthly statement period may not be credited to you if your card is not in good standing at any time during the monthly statement period.
2 The Aventura Travel Assistant is operated by an independent travel service agency, Merit Travel Group Inc. Registration Numbers: ON.50010422/4499356, BC.34799, QC.7002238.
3 Interest rates may change from time to time. "Cash" means cash advances, balance transfers and CIBC Convenience Cheques.
4 For full details, see maximum ticket prices and Aventura Flight Rewards Chart at the CIBC Rewards Centre. Some airlines may impose fees, restrictions or other conditions on air travel. Aventura Points will be cancelled if they remain unredeemed for 60 days after you voluntarily close your Aventura credit card account or within 12 months of the primary cardholder’s death.
5 Aventura Points can be redeemed for up to 100% of the cost of airfare, subject to maximum ticket price applicable to destination (see Aventura Airline Rewards Chart for more details) as well as (if you have sufficient Aventura Points) for taxes and other charges on airfare purchased through the CIBC Rewards Centre. Use of points towards taxes and fees is in addition to the number of points required for the base fare, as outlined on the Aventura Airline Rewards Chart. You must book all flights through the CIBC Rewards Centre. Some taxes and other charges may be collected locally/when you are travelling, and cannot be prepaid; please ask a CIBC Rewards Centre Counsellor for specific details.
6 Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). Different cards will have different coverage(s). To learn about which coverage(s) are included with a specific card, and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, see our Agreements and Insurance page and the insurance certificate(s) in your card package. Some insurance coverage(s) require purchase(s), auto rentals, common carrier fares and other trip costs to be charged to the card to activate coverage. Other conditions may also apply. Auto Rental Collision and Loss Damage Insurance (CLDI) is available for automobile rentals of up to 48 days. The full cost of the rental must be charged to the card and the rental agency’s Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) must be declined. CLDI provides coverage up to the actual cash value (ACV) of the rental vehicle as defined in your insurance certificate. Note that some rental agencies may assess their damages at an amount greater than the ACV of the rental vehicle and you may be liable to them for the difference. Before declining the rental agency’s CDW or LDW, you should read carefully and compare the terms of the rental agreement, the CLDI insurance certificate in your card package and any other insurance you own to decide which coverage best meets your protection needs. Out-of-Province Emergency Travel Medical Insurance (TMI) covers the primary cardholder, their spouse and dependent children for the first 15 days of a trip if the covered person is age 64 or under*, or for the first 3 days of a trip if the covered person is age 65 or older*.
*Dependent children must be age 20 or under or a full-time student age 24 or under, unless they have a permanent physical or mental deficiency. TMI may not cover medical procedures performed without pre-approval. TMI, Trip Cancellation and Trip Interruption Insurance may not cover certain pre-existing health or medical conditions. Certain RSA coverages are “excess insurance” (all other sources of insurance and recovery must be exhausted before coverage is available). For more information, call RSA toll-free at 1-866-363-3338 in Canada, continental U.S. and Hawaii or collect from elsewhere at 905-403-3338.
7 CIBC Payment Protector Insurance for Credit Cards is optional creditor’s group insurance underwritten by Canadian Premier Life Insurance Company under a group policy issued to CIBC as group policyholder.
8 Priority Pass benefit is for the primary cardholder only and requires enrollment. For instructions, visit CIBCRewards.com/perks. Collinson is the administrator of the Priority Pass program. 4 lounge visits are complimentary per membership year for you to use for yourself or your accompanying guests. Each person entering the lounge will qualify as one visit. Member and any accompanying guest(s) apply against the complimentary visit allowance. Membership includes access to any airport lounge participating in the Priority Pass lounge program. To access a lounge, you must show a valid Priority Pass membership card. All additional visits beyond the complimentary visit allowance are subject to a fee of $27 US per person per visit, and all card rates and fees, including foreign exchange rates and fees, apply to this purchase. This price is subject to change. The most recent price, participating airport lounges, facilities, open times, and restrictions can be found at PriorityPass.com. Applicable lounge visit fees will be billed to your related CIBC Aventura card. Unless cancelled, Priority Pass membership automatically renews on its anniversary date. Priority Pass membership will be cancelled if your CIBC Aventura card is cancelled, no longer in good standing or is no longer linked to your Priority Pass membership. All Priority Pass members must abide by the Priority Pass Conditions of Use. The Airport Lounge Access services are provided by Priority Pass, and neither CIBC, Visa nor Mastercard are responsible for any losses, claims or damages arising from use of the services.
9 Receive one (1) statement credit up to a maximum value of $100 CA when NEXUS application fee is charged to an eligible card, regardless of NEXUS application approval. Limit one (1) statement credit every 4 years. You must use your eligible card to pay the NEXUS application fee. To be eligible for the statement credit, cardholders must be in good standing at the time the application fee is charged. CIBC has no control over the NEXUS program including, but not limited to, application approval process, enrollment, or fees charged. NEXUS eligibility requirements are determined by the Canada Border Service Agency (CBSA) and the U.S. Customs and Border Protection (US CBP).
◊ Official mark and/or trademark of Her Majesty the Queen in Right of Canada, used under licence.
CIBC Aventura® Visa* Card
1You are eligible for the additional spend based bonus of 2,500 Aventura points if you are not a current CIBC cardholder. If you are a current CIBC cardholder, we may approve your application but you will not be eligible for the additional spend based bonus of 2,500 Aventura points.
You must apply and be approved for a new eligible card between March 1, 2019 and June 30, 2019 to qualify for this offer.
If you apply and are approved for a new card, you can receive:
i. Up to 2,500 bonus Aventura Points for completing the below activities within 60 days of your CIBC Aventura® Visa* account approval. The following activities are worth 500 Aventura Points each: 1. Share your email address with CIBC; 2. Sign up for eStatements for your new Aventura Visa card; 3. Add an authorized user on your new Aventura Visa card; 4. Hold any eligible CIBC Chequing Account; and 5. Add your Aventura Visa card with Apple Pay® or Samsung Pay. It may take up to two statement cycles for the bonus Aventura Points to appear on your credit card statement after each of the above activities have been completed. You can provide us with your email address and sign up for eStatements through CIBC Online Banking, by visiting a branch or calling 1-800-465-4653. This offer is applicable to the first authorized user added only. Your authorized users will be issued the additional card(s) automatically when we get your request, as long as your credit card account is: a) still in good standing at that time, and b) your request does not exceed a total of 3 authorized users (counting any existing authorized users you may already have). Authorized users under the age of 13 can only be added by calling CIBC at 1-800-465-4653. You must hold any of the following CIBC Chequing accounts: CIBC Everyday® Chequing Account, CIBC Smart™ Account, CIBC PremierService® Account, CIBC US$ Personal Account, CIBC Personal Chequing Account, CIBC EverydayPlus® Chequing Account, CIBC Waive Account®, CIBC MenuPlus® – Maximize Interest Account, CIBC Chequing Savings Account. If you already have an existing eligible CIBC Chequing account or shared your email address with CIBC, you will be qualified to receive the 500 Aventura Points each. If you do not have an eligible account you may apply at https://www.cibc.com/en/personal-banking/bank-accounts/chequing-accounts.html or by calling 1-866-525-8622. To learn more about the mobile payment options, visit https://www.cibc.com/en/personal-banking/ways-to-bank/ways-to-pay.html
ii. An additional bonus of 2,500 Aventura Points for the CIBC Aventura Visa Card, if you have at least $500 in net purchases posted to your account during the first 4 monthly statement periods. For this bonus the following do not qualify as purchases: cash advances, balance transfers, CIBC Convenience Cheques, fees, interest, Aventura Points redemptions and payments. It may take up to several business days for purchases to be posted to your account. Aventura Points are awarded to you within 8 weeks after all qualifying purchase(s) are posted to your account. Card account must be open and in good standing at the time the Aventura Points are awarded.
Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Aventura Visa Card are excluded. This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. This offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion.
2 Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). Different cards will have different coverage(s). To learn about which coverage(s) are included with a specific card, and to get important information regarding coverage eligibility requirements, benefits, limitations and exclusions, view our credit card agreements and insurance certificates. This information is also available in the insurance certificate(s)in your card package. Some insurance coverage(s) require purchase(s), auto rentals, common carrier fares and other trip costs to be charged to the card to activate coverage. Other conditions may also apply. Auto Rental Collision/Loss Damage Insurance (CLDI) is available for automobile rentals of up to 48 days. The full cost of the rental must be charged to the card and the rental agency’s Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) must be declined. CLDI provides coverage up to the actual cash value (ACV) of the rental vehicle as defined in your insurance certificate. Note that some rental agencies may assess their damages at an amount greater than the ACV of the rental vehicle and you may be liable to them for the difference. Before declining the rental agency’s CDW or LDW, you should read carefully and compare the terms of the rental agreement, the CLDI insurance certificate in your card package and any other insurance you own to decide which coverage best meets your protection needs. Certain RSA coverages are “excess insurance” (all other sources of insurance and recovery must be exhausted before coverage is available). For more information, call RSA toll-free in Canada, continental U.S. and Hawaii at 1-866-363-3338. in Canada, continental U.S. and Hawaii or You can call collect from elsewhere at 1-905-403-3338.
3 Aventura Travel Assistant is operated by an independent travel service agency, Merit Travel Group Inc. Registration Numbers: ON.50010422/4499356, BC.34799, QC.7002238.
4 Interest rates may change from time to time. "Cash" means cash advances, balance transfers and CIBC Convenience Cheques.
5 Aventura Points can be redeemed for up to 100% of the cost of airfare, subject to the maximum ticket price applicable to the destination (view the Aventura Airline Rewards Chart for more details), as well as (if you have sufficient Aventura Points) for taxes and other charges on airfare purchased through the CIBC Rewards Centre. Use of points towards taxes and fees is in addition to the number of points required for the base fare, as outlined on the Aventura Airline Rewards Chart. You must book all flights through the CIBC Rewards Centre. Some taxes and other charges may be collected locally or when you are travelling, and cannot be prepaid; please ask a CIBC Rewards Centre Counsellor for details.
6 For full details, see maximum ticket prices and Aventura Flight Rewards Chart at the CIBC Rewards Centre. Some airlines may impose fees, restrictions or other conditions on air travel. Aventura Points will be cancelled if they remain unredeemed for 60 days after you voluntarily close your Aventura credit card account or within 12 months of primary cardholder's death.
7 CIBC Payment Protector Insurance for Credit Cards is optional creditor’s group insurance underwritten by Canadian Premier Life Insurance Company under a group policy issued to CIBC as group policyholder.
CIBC Dividend Platinum® Visa* Card
‡You are eligible for this offer if you are not a current CIBC cardholder. If you are a current CIBC cardholder, we may approve your application but you will not be eligible for this offer.
This offer applies to the following Eligible Cards: CIBC Dividend® Visa Infinite* Card and CIBC Dividend Platinum® Visa Card (“Eligible Card”). You must apply and be approved for a new eligible card between March 1, 2019 and June 30, 2019 to qualify for this offer.
If you qualify and are approved you will receive 5% cashback on the net purchases posted to your account within the first 4 monthly statement periods or $3,000 in total net purchases (equal to $150 cash back), whichever comes first.
If this promotional rate of 5% applies to any purchase, then the regular cash back rate(s) do not apply. Cash back is earned on purchases less returns and credits. For this offer the following do not qualify as purchases: cash advances, balance transfers, CIBC Convenience Cheques, fees, interest, and payments. The cash back is accumulated each month and will appear on your statement no later than the month after it is earned. Cash back is awarded at the end of the year as a credit on your December statement.
Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Dividend® Visa Infinite* Card and CIBC Dividend Platinum® Visa Card are excluded. This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. This offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion.
1 Earn 4% cash back on purchases (less returns) at merchants classified by the credit card network as grocery stores or service stations/automated gas dispensers. Earn 2% cash back on purchases (less returns) at merchants identified as Tim Hortons or TELUS merchants by the merchant payment terminal. Some Tim Hortons and/or TELUS locations may be identified as other merchants by the merchant payment terminal. All other purchases earn 1% cash back. The 4% and 2% cash back offers are only available on the first $80,000 in net annual card purchases (meaning all card purchases by all cardholders, at any type of merchant) or $20,000 on gas, grocery, Tim Hortons or TELUS purchases on your account, whichever comes first; after that, net card purchases at all merchants, including grocery stores, service stations/automatic gas dispensers, Tim Hortons or TELUS will earn cash back at the regular rate of 1%. The $80,000 limit and the $20,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchant/merchant categories may change without notice. Cash back is earned on card purchases less returns and not on cash advances, interest, fees, balance transfers, payments and regular CIBC Convenience Cheques. Credits for returns made on your account may result in a deduction of cash back at a higher earn rate, even though the return may relate to a purchase that earned cash back at a lower rate. The cash back is accumulated each month, beginning with the January Visa statement, and awarded at the end of the year as a credit on the December statement. Credit card account must be open and in good standing at the time the cash back is awarded. Cash back will be credited to the primary cardholder’s account.
2 Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). Different cards will have different coverage(s). To learn about which coverage(s) are included with a specific card, and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, see our Agreements and Insurance page and the insurance certificate(s) in your card package. Some insurance coverage(s) require purchase(s), auto rentals, common carrier fares, hotel or motel and other trip costs to be charged to the card to activate coverage. Other conditions may also apply. Auto Rental Collision or Loss Damage Insurance (CLDI) is available for automobile rentals of up to 48 days. The full cost of the rental must be charged to the card and the rental agency's Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) must be declined. CLDI provides coverage up to the actual cash value (ACV) of the rental vehicle as defined in your insurance certificate. Note that some rental agencies may assess their damages at an amount greater than the ACV of the rental vehicle and you may be liable to them for the difference. Before declining the rental agency's CDW or LDW, you should read carefully and compare the terms of the rental agreement, the CLDI insurance certificate in your card package and any other insurance you own to decide which coverage best meets your protection needs. Certain RSA coverages are "excess insurance" (all other sources of insurance and recovery must be exhausted before coverage is available). For more information, call RSA toll-free at 1- 866-363-3338 in Canada, continental U.S. and Hawaii or collect from elsewhere at 905-403-3338.
3 Interest rates may change from time to time. "Cash" means cash advances, balance transfers and CIBC Convenience Cheques.
4 Cash advances do not earn cash back. Cash advances bear interest from the date they are taken from your credit card account and are subject to available credit and available cash.
5 CIBC Emergency Travel Medical Insurance is underwritten by Co-operators Life Insurance Company. This product is administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. For more information call CIBC Travel Insurance at 1-800-281-9109.
6 CIBC Payment Protector Insurance for Credit Cards is optional creditor’s group insurance underwritten by Canadian Premier Life Insurance Company under a group policy issued to CIBC as group policyholder.
CIBC Dividend® Visa*Card
‡Offer available only at the time of application. You must apply and be approved between March 1, 2019 and June 30, 2019 to qualify for this offer.
If you qualify and are approved, you can receive 0% interest for up to 10 statement periods from the date of application on any balances transferred if: your account is in good standing at the time the balance transfer is processed AND the balance transfer amount is at least $1. Otherwise, the regular annual interest rate for cash advances will apply to the balance transfer amount. If the balance transfer amounts exceed your approved credit limit determined by CIBC at the point of credit application, it will not be processed. Once you take advantage of this offer, you will have a promotional rate balance on your account. As a result, you will lose your interest-free grace period on new purchases unless you pay your entire balance, including any promotional rate balances, in full each month. While you will enjoy the promotional rate on the balances that you add by using this offer, new purchases will be subject to interest.
If you do not pay your required payment by the payment due date in any month during the promotional period, you will lose the benefit of this promotional interest rate offer and, effective the first day of the next monthly statement period, the regular annual interest rate for cash advances will apply to any remaining balance transfer amounts.
Balance transfers are processed in Canadian dollars and cannot be converted to other currencies.
The promotional interest rate is charged on balance transfer amounts from the date they are posted to your account until the end of the offer period stated on your Summary of Rates and Fees. Your Summary of Rates and Fees and CIBC Cardholder Agreement will arrive in your welcome package. After the promotional period, any remaining balance transfer amounts will be charged interest at the regular annual interest rate for cash advances, until the amount is repaid in full. During the promotional period, the regular annual interest rate for purchases will apply to purchase transactions and the regular annual interest rate for cash advances will apply to balance transfer(s) that do not qualify for the promotional interest rate. For more information on how interest is calculated, please refer to your CIBC Cardholder Agreement.
A fee of 1% of the balance transfer amount will be charged to your account when the balance transfer amount is posted. If you do not pay off your balance in full by the due date, interest will be charged on the fee at the regular annual interest rate for purchases from the date the fee is posted to your account.
You will not be approved for a balance transfer amount that exceeds your assigned cash limit or is greater than 50% of your assigned credit limit.
If a balance transfer amount plus the balance transfer fee results in you exceeding your available credit or available cash limit, we may not approve the balance transfer, and may charge you a dishonoured balance transfer fee, or we may honour the balance transfer at the regular annual interest rate for cash advances and charge you an applicable overlimit fees. See your Summary of Rates and Fees. No partial balance transfer amount will be applied.
Payments will be applied to your account as set out in the "Application of Payments" section of your CIBC Cardholder Agreement and these terms and conditions. You cannot choose to apply your payments to your regular annual interest rate balances and leave your promotional interest rate balance transfer balances outstanding. For personal cardholders only: If you make a payment greater than your minimum payment, the excess amount is allocated to your regular annual interest rate balances and your promotional interest rate balance transfer balances in the proportion that each represents of the remaining balance. For example, if you have a regular annual interest rate purchase balance of $800 and a promotional interest rate balance transfer of $200, 80% of your payment will be allocated to your regular annual interest purchase balances and 20% will be allocated to your promotional interest rate balance transfer balances. If there are two or more promotional interest rate balance transfers with the same promotional interest rate, the excess amount allocated to your promotional interest rate balance transfers will be allocated to those balance transfer balances based on the expiry date of the promotional offer, starting with the promotional interest rate offer that will expire first. For example, if your account has promotional interest rate balance transfers with the same promotional interest rate that will expire in January, February and March in the same year, then that portion of your excess amount will first be allocated to the balance transfer that will expire in January, then to the balance transfer amount that will expire in February and, lastly, to the balance transfer that will expire in March.
Interest on the balance transfer amount may be charged on both your CIBC account and the non-CIBC account(s) from which you are transferring a balance until the transferred amount is credited to the non-CIBC account(s). You are responsible for any payments due on the non-CIBC account(s) from which you are transferring a balance. Balance transfer(s) do not result in the cancellation of your non-CIBC account(s). Balance transfers cannot be used to make a payment on any other CIBC credit card or loan product and do not qualify to earn loyalty points, rebates or cash back rewards. You cannot dispute balance transfer transactions.
Promotional interest rate offer is available on select credit card accounts and is not transferable.
We may make changes to these terms and conditions at any time with or without prior notice unless advance notice is required by law. CIBC may notify you of such changes by sending a notice in accordance to the terms of your CIBC Cardholder Agreement.
This offer may be withdrawn or changed without prior notice at any time. CIBC may, in its sole discretion, disqualify, limit or revoke this offer if you are believed to be abusing or manipulating it, or engaging in any suspicious or fraudulent activity.
1 Cash back is earned on a tiered basis on card purchases less returns and not on cash advances, interest, fees, balance transfers, payments or CIBC Convenience Cheques. Cash back is calculated as follows: on the first $6,000 in net annual card purchases excluding grocery on your account, the cash back earned is 0.5%; on amounts greater than $6,000 in net annual purchases excluding grocery the cash back earned is 1%. Earn 2% cash back on purchases (less returns) at merchants classified by the credit card network as grocery stores. All other purchases earn cash back at the regular tiered rate. The 2% cash back offer is only available on the first $6,000 in net annual card purchases at grocery merchants on your account; after that, net card purchases at grocery merchants will earn cash back at 1%. The $6,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchant categories may change without notice. Deductions of cash back for returns are made at the earn rate applicable at the time the return occurs. Credits for returns made on your account may result in a deduction of cash back at a higher earn rate, even though the return may relate to a purchase that earned cash back at a lower rate.
2 Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). Different cards will have different coverage(s). To learn about which coverage(s) are included with a specific card, and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, see our Agreements and Insurance page the insurance certificate(s) in your card package. Some insurance coverage(s) require and purchase(s), auto rentals, common carrier fares, hotel or motel and other trip costs to be charged to the card to activate coverage. Other conditions may also apply. Certain RSA coverages are "excess insurance" (all other sources of insurance and recovery must be exhausted before coverage is available). For more information, call RSA toll-free at 1-866-363-3338 in Canada, continental U.S. and Hawaii or collect from elsewhere at 905-403-3338.
3 Interest rates may change from time to time. "Cash" means cash advances, balance transfers and CIBC Convenience Cheques.
4 Cash advances bear interest from the date they are taken from your credit card account and are subject to available credit and available cash. Cash advances do not earn cash back.
5 CIBC Emergency Travel Medical Insurance is underwritten by Co-operators Life Insurance Company. This product is administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. For more information call CIBC Travel Insurance at 1-800-281-9109.
6 CIBC Payment Protector Insurance for Credit Cards is optional creditor’s group insurance underwritten by Canadian Premier Life Insurance Company under a group policy issued to CIBC as group policyholder.
Disclaimer:
- banking products are available only in Canada;
- posting information about banking products and services does not constitute a solicitation or an offer for the services or products; and
- readers should be aware that banking services and products offered may be subject to local laws and regulations and they should seek independent legal advice in relation to such services and products.
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