$0
Annual Fee (1st Year)
$0
Annual Fee (Subsequent)
2.50%
Foreign Transaction Fee
21.75%
Purchase Rate
22.49%
Cash Advance Rate
22.49%
Balance Transfer Rate
Earn Rates
| Category | Rate | Type | Cap |
|---|---|---|---|
| Costco Gas | 3.00% | Cash Back | — |
| Dining & Restaurants | 3.00% | Cash Back | — |
| Food Delivery | 3.00% | Cash Back | — |
| Gas & Fuel | 2.00% | Cash Back | $5000 / annually |
| EV Charging | 2.00% | Cash Back | $5000 / annually |
| Costco Online | 2.00% | Cash Back | $8000 / annually |
| Everything Else (base) | 1.00% | Cash Back | — |
Insurance Coverage
- Travel Accident
- ~ Travel Medical — Cost varies depending on coverage
- ~ Trip Cancellation — Cost varies depending on coverage
- ~ Trip Interruption — Cost varies depending on coverage
- Flight Delay
- Lost/Delayed Baggage
- Rental Vehicle
Benefits & Redemption
Other Benefits
For more details about other benefits that are offered for additional fees, check with CIBC.
How to Redeem
For more details about rewards and redemption check with CIBC.
Requirements
$15,000
Min Household Income
Available in:
BC
ON
QC
Reward categories:
cash_back