Am I eligible?
To get this card, you must also:
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.
What the Critics Are Saying...
- Mohamed Konate, My Rate CompassWith this card, you can also get through customs faster and gain access to exclusive business class bookings at discounted prices. If you travel a lot, then this card is just excellent for you. You also get up to 3 points on all purchases with this card, for each dollar you spend. Let's not forget a...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate | 20.99% |
| Balance Transfer Interest Rate | 22.99% |
| Cash Advance Interest Rate | 22.99% |
| Rates & Fees | |
| Annual Fee |
$499.00 Annual fee rebate 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% |
| Over Limit Fee |
$29.00 Fee not applicable to Quebec residents. |
| Late Payment Fee | $0.00 |
| Promotions | |
| Sign up bonus |
25000 points after spending $3,000
|
| Rewards | |
| All Purchases | 1.25 points per $1 spent |
| Restaurants | 2 points per $1 spent |
| Gas |
2 points per $1 spent Including electric vehicle charging stations |
| Groceries | 2 points per $1 spent |
| Hotels | No |
| Travel |
3 points per $1 spent Spent on travel purchased through the CIBC Rewards Centre |
| Pharmacy | No |
| Bills | No |
| Additional Details |
2 points per $1 spent on Entertainment |
| Features & Benefits | |
| Additional Card Holders |
$99 per year for each card |
| Travel Accident Insurance | Yes |
| Car Rental Insurance | Yes |
| Car Rental Discount | Yes |
| Extended Warranty | Yes |
| Purchase Protection | Yes |
| Zero Liability | No |
| No Foreign Transaction Fees | No |
| Emergency Assistance | Yes |
| Concierge Service | Yes |
| Price Protection | No |
| Fraud Protection | No |
| 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 | |
| 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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