Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
Interest Rates | |
---|---|
Regular APR Interest Rate | 20.99% |
Balance Transfer Interest Rate | 22.99% |
Cash Advance Interest Rate | 22.99% |
Rates & Fees | |
Annual Fee |
$599.00 Annual fee rebate of up to $139 if you have a CIBC Smart Plus™ Account |
Balance Transfer Fee |
3% Maximum |
Cash Advance Fee | $5.00 |
Foreign Transaction Fee |
2.5% Transactions made in a foreign currency will be converted and posted to your account in Canadian currency |
Over Limit Fee | $29.00 |
Late Payment Fee | $0.00 |
Promotions | |
Sign up bonus |
20000 points after spending $6,000
|
Rewards | |
All Purchases | 1.25 points per $1 spent |
Restaurants | 1.5 points per $1 spent |
Gas |
1.5 points per $1 spent Including electric vehicle charging stations |
Groceries | 1.5 points per $1 spent |
Hotels | No |
Travel |
2 points per $1 spent On Air Canada purchases, including Air Canada Vacations |
Pharmacy | No |
Bills | No |
Additional Details |
|
Features & Benefits | |
Additional Card Holders |
|
Travel Accident Insurance | Yes |
Car Rental Insurance | Yes |
Car Rental Discount | No |
Extended Warranty | Yes |
Purchase Protection | Yes |
Zero Liability | No |
No Foreign Transaction Fees | No |
Emergency Assistance | No |
Concierge Service | Yes |
Price Protection | No |
Fraud Protection | Yes |
Free Credit Scores | No |
Wireless Payments | Apple Pay, Samsung Pay, Google Pay |
Virtual Cards | No |
Additional Benefits |
|
Eligibility | |
Minimum Security Deposit | $0 |
Minimum Age |
18 years in AB, MB, ON, PE, QA, SK. 19 years in all other provinces. |
Minimum Personal Income | $150,000 per year |
Temporary Residents | No |
More | |
Additional comments | - |
Terms & Conditions | Official Terms & Conditions |
Suggest a correction |
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
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