Annual fee
$120
Primary cardholder
RateBuddyCredit card guide
ISSUER REVIEW
Best CIBC Credit Cards in Canada
- Fact checked
- Issuer comparison
- Fees & benefits
A friendly overview of CIBC credit-card choices
CIBC’s credit-card lineup includes travel rewards, Aeroplan, cash back, and everyday card options. RateBuddy helps you compare the main details — rewards, fees, welcome offers, insurance, and fit — before you open the issuer page.
CIBC details to compare
- Aventura, Aeroplan and cash back options
- Annual fees and welcome offers
- Travel benefits and insurance
- Everyday spending fit
Smart Card Filter
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Compare Top CIBC Cards — October 2026
Last updated
Use the filters to shape the card results below. Adjust your monthly spend, narrow by provider, or highlight no-fee and welcome-bonus options — RateBuddy will quietly refresh the list so the results stay connected to your choices.
Ready to refine
Annual fee
$120
Purchase APR
19.99%
Cash advance
22.99%
CIBC
Best for
Travel Rewards
Business
Premium
Best for
Travel Rewards
Business
Premium
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$1,200
Estimated rewards from spending
Based on $1,500 in monthly spending
$220.50
First-year annual fee
Fee charged during the first year
$120
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$1,300.50
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1% | $54 |
| Dining | $300 | 1.5% | $54 |
| Gas and transit | $150 | 1.5% | $27 |
| Travel | $75 | 2% | $18 |
| Recurring bills | $75 | 1.5% | $13.50 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Aeroplan
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Purchase APR
19.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
—
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$599
Purchase APR
21.99%
Cash advance
22.99%
CIBC
Best for
Travel Rewards
Premium
Best for
Travel Rewards
Premium
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$1,600
Estimated rewards from spending
Based on $1,500 in monthly spending
$258.75
First-year annual fee
Fee charged during the first year
$599
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$1,259.75
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1.5% | $81 |
| Dining | $300 | 1.5% | $54 |
| Gas and transit | $150 | 1.5% | $27 |
| Travel | $75 | 2% | $18 |
| Recurring bills | $75 | 1.25% | $11.25 |
| Other purchases | $450 | 1.25% | $67.50 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Aeroplan
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$599
Primary cardholder
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
—
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$150,000
Minimum household income
$200,000
Approval, rates and credit limits are determined by the card provider.
Annual fee
$180
Purchase APR
12.99%
Cash advance
14.50%
CIBC
Best for
Travel Rewards
Business
Best for
Travel Rewards
Business
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$1,200
Estimated rewards from spending
Based on $1,500 in monthly spending
$220.50
First-year annual fee
Fee charged during the first year
$180
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$1,240.50
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1% | $54 |
| Dining | $300 | 1.5% | $54 |
| Gas and transit | $150 | 1.5% | $27 |
| Travel | $75 | 2% | $18 |
| Recurring bills | $75 | 1.5% | $13.50 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Aeroplan
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$180
Primary cardholder
Purchase APR
12.99%
Regular purchase rate
Cash advance APR
14.50%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
—
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$35,000
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$120$0
First year waived
Purchase APR
19.99%
Cash advance
22.99%
CIBC
Best for
Travel Rewards
Business
Premium
Best for
Travel Rewards
Business
Premium
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$900
Estimated rewards from spending
Based on $1,500 in monthly spending
$198
First-year annual fee
$120 first-year fee waiver applied
$120
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$1,098
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1% | $54 |
| Dining | $300 | 1% | $36 |
| Gas and transit | $150 | 1.5% | $27 |
| Travel | $75 | 2% | $18 |
| Recurring bills | $75 | 1% | $9 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Aventura
First year free
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0 first year
Then $120 annually
Purchase APR
19.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
—
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$35,000
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$120$0
First year waived
Purchase APR
19.99%
Cash advance
21.99%
CIBC
Best for
Travel Rewards
Business
Best for
Travel Rewards
Business
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$900
Estimated rewards from spending
Based on $1,500 in monthly spending
$198
First-year annual fee
$120 first-year fee waiver applied
$120
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$1,098
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1% | $54 |
| Dining | $300 | 1% | $36 |
| Gas and transit | $150 | 1.5% | $27 |
| Travel | $75 | 2% | $18 |
| Recurring bills | $75 | 1% | $9 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Aventura
First year free
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0 first year
Then $120 annually
Purchase APR
19.99%
Regular purchase rate
Cash advance APR
21.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
—
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$35,000
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$139
Purchase APR
21.99%
Cash advance
22.99%
CIBC
Best for
Travel Rewards
Premium
Best for
Travel Rewards
Premium
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$900
Estimated rewards from spending
Based on $1,500 in monthly spending
$220.50
First-year annual fee
Fee charged during the first year
$139
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$981.50
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1.5% | $81 |
| Dining | $300 | 1% | $36 |
| Gas and transit | $150 | 1.5% | $27 |
| Travel | $75 | 1.5% | $13.50 |
| Recurring bills | $75 | 1% | $9 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Aeroplan
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$139
Primary cardholder
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
—
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$60,000
Minimum household income
$100,000
Approval, rates and credit limits are determined by the card provider.
Annual fee
$499
Purchase APR
21.99%
Cash advance
22.99%
CIBC
Best for
Travel Rewards
Premium
Best for
Travel Rewards
Premium
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$1,100
Estimated rewards from spending
Based on $1,500 in monthly spending
$321.75
First-year annual fee
Fee charged during the first year
$499
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$922.75
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 2% | $108 |
| Dining | $300 | 2% | $72 |
| Gas and transit | $150 | 2% | $36 |
| Travel | $75 | 3% | $27 |
| Recurring bills | $75 | 1.25% | $11.25 |
| Other purchases | $450 | 1.25% | $67.50 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Aventura
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$499
Primary cardholder
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
—
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$150,000
Minimum household income
$200,000
Approval, rates and credit limits are determined by the card provider.
Annual fee
$120$0
First year waived
Purchase APR
21.99%
Cash advance
22.99%
CIBC
Best for
Cash Back
Premium
Best for
Cash Back
Premium
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$350
Estimated rewards from spending
Based on $1,500 in monthly spending
$450
First-year annual fee
$120 first-year fee waiver applied
$120
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$800
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 4% | $216 |
| Dining | $300 | 2% | $72 |
| Gas and transit | $150 | 4% | $72 |
| Travel | $75 | 2% | $18 |
| Recurring bills | $75 | 2% | $18 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Cash Back
First year free
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0 first year
Then $120 annually
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
—
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$60,000
Minimum household income
$100,000
Approval, rates and credit limits are determined by the card provider.
Annual fee
$139
Purchase APR
21.99%
Cash advance
22.99%
CIBC
Best for
Travel Rewards
Best for
Travel Rewards
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$600
Estimated rewards from spending
Based on $1,500 in monthly spending
$225
First-year annual fee
Fee charged during the first year
$139
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$686
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1.5% | $81 |
| Dining | $300 | 1% | $36 |
| Gas and transit | $150 | 1.5% | $27 |
| Travel | $75 | 2% | $18 |
| Recurring bills | $75 | 1% | $9 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Aventura
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$139
Primary cardholder
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
—
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
$15,000
Approval, rates and credit limits are determined by the card provider.
Annual fee
$139
Purchase APR
21.99%
Cash advance
22.99%
CIBC
Best for
Travel Rewards
Premium
Best for
Travel Rewards
Premium
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$600
Estimated rewards from spending
Based on $1,500 in monthly spending
$225
First-year annual fee
Fee charged during the first year
$139
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$686
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1.5% | $81 |
| Dining | $300 | 1% | $36 |
| Gas and transit | $150 | 1.5% | $27 |
| Travel | $75 | 2% | $18 |
| Recurring bills | $75 | 1% | $9 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
Aventura
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$139
Primary cardholder
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
—
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$60,000
Minimum household income
$100,000
Approval, rates and credit limits are determined by the card provider.
Showing 10 of 27 cards
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Why Choose a Credit Card?
Beyond simple convenience, the right credit card offers a layer of consumer protection, financial leverage, and rewards that debit cards or cash simply cannot match.
Zero Liability Protection
Canadian credit cards come with robust federal protections against unauthorized transactions. Unlike cash, which is gone forever if lost, or debit cards which are directly linked to your bank funds, a credit card offers a buffer. If your card is used fraudulently, you are generally not held liable for those charges once reported. This keeps your actual bank account safe and liquid while the bank investigates the issue. It provides peace of mind in an era of increasing digital fraud.
Value-Added Rewards
Every purchase you make is an opportunity to earn a return on your spending. Whether you prefer travel points, merchandise, or cash back, using a credit card allows you to get value back on expenses you were going to pay anyway. Over the course of a year, a standard 1-2% reward rate can accumulate into hundreds of dollars in free groceries or flights. It is effectively a discount on your entire lifestyle, provided you pay your balance in full. Why pay full price with cash when you can earn a rebate with credit?
Building Credit History
Your credit score is your financial passport in Canada, dictating your ability to rent apartments, get a mortgage, or finance a car. Responsible credit card use is one of the most effective and fastest ways to establish this history. By using a card and paying it off on time every month, you demonstrate reliability to future lenders. A long, positive history with a credit card accounts for a significant portion of your credit score calculation. Without this history, obtaining major loans later in life can be difficult or much more expensive.
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Credit Cards is great, but sometimes a different card fits your lifestyle better. Use our Smart Finder to see what else you qualify for.
Cash Back
Earn money on daily spend.
Travel Rewards
Best for frequent flyers.
SPEC SHEET
Find best cards by features:
Filter our database by the specific perks and coverages that matter to you.
ISSUERS
Browse by Bank & Issuer:
Filter our database to see offers from specific Canadian financial institutions.
LOYALTY PROGRAMS
Browse by Reward Program:
Already collect points? Find the card that accelerates your existing balance.
PAYMENT NETWORKS
Browse by Network:
Filter by Visa, Mastercard, or Amex acceptance.
CARD LEVELS
Browse Cards by Tier:
From entry-level options to exclusive black cards. Find the eligibility level that fits you.
KNOWLEDGE BASE
Frequently Asked Questions
Common questions about Compare Top CIBC Cards Cards and financial strategy.
Disclaimer: Information is for educational purposes only and does not constitute financial or legal advice. Terms subject to change by issuers.
Most Canadian credit cards charge a fee (typically 2.5%) on top of the exchange rate for any transaction made in a currency other than Canadian dollars. Cards marketed as 'No Foreign Transaction Fee' generally waive this 2.5% surcharge, though the exchange rate itself is still determined by the card network (Visa/Mastercard/Amex).
Contactless payments use encryption technology similar to Chip & PIN transactions. Limits are typically placed on the amount allowed per tap (e.g., $100-$250) to minimize risk. If a thief exceeds this limit, a PIN is required. You are also protected by the issuer's Zero Liability policy for fraudulent tap transactions.
An authorized user is someone you add to your account (like a spouse or child) who gets their own card. The primary cardholder is fully responsible for all debt incurred by the authorized user. It can be a way to help someone build credit habits, but legal liability remains with the primary account holder.
Credit card networks (Visa/Mastercard) set their own daily exchange rates, which are generally very close to the market rate. However, unless you have a No-FX fee card, the issuer adds a surcharge (usually 2.5%) on top of this rate, which is why the total cost is higher than the spot market rate.
Personal income generally refers to your individual annual earnings. Household income typically includes the combined income of you and your spouse or common-law partner. Premium cards often have higher income thresholds (e.g., $60k personal or $100k household) to qualify.
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Visit our Financial Education Hub
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