CIBC (Canadian Imperial Bank of Commerce) offers a broad credit card portfolio covering Aeroplan travel rewards, cash back, flexible travel points, and low-interest options. Here is a complete review of every major CIBC credit card available to Canadians in 2026.
CIBC Credit Card Lineup at a Glance
| Card | Annual Fee | Rewards | Best For |
|---|---|---|---|
| CIBC Aeroplan Visa Infinite | $139 | Aeroplan + Journie 10¢/L | Aeroplan collectors, Chevron/Pioneer gas |
| CIBC Aeroplan Visa Infinite Privilege | $599 | Aeroplan + Maple Leaf Lounge | Premium Air Canada flyers |
| CIBC Dividend Visa Infinite | $120 | Cash Back | High grocery/gas spenders |
| CIBC Aventura Gold Visa Infinite | $139 | Aventura Points | Flexible travel bookers |
| CIBC Aventura Visa Infinite Privilege | $499 | Aventura Points | Premium flexible travel |
| Simplii Cash Back Visa | $0 | Cash Back | No-fee dining/grocery earners |
| CIBC Select Visa | $29 | None | Low-interest balance carriers |
CIBC Aeroplan Visa Infinite — Best CIBC Card for Most Canadians
Annual fee: $139 | Income requirement: $60,000 individual or $100,000 household | Network: Visa
Earn Rates
| Category | Aeroplan Points per Dollar |
|---|---|
| Groceries | 1.5 pts |
| Gas | 1.5 pts |
| Air Canada purchases | 1.5 pts |
| Everything else | 1.25 pts |
Key Benefits
Journie Rewards — CIBC’s Exclusive Gas Advantage
Link your CIBC Aeroplan Visa Infinite to your Journie account and save 10 cents per litre at Chevron, Pioneer, Ultramar, and Fas Gas stations across Canada.
| Fill-Up Frequency | Litres/Month | Annual Journie Savings |
|---|---|---|
| Light driver | 40 L/month | $48/year |
| Average driver | 80 L/month | $96/year |
| Heavy driver | 120 L/month | $144/year |
| Two-car household | 200 L/month | $240/year |
For Albertans near Chevron and Pioneer stations or Quebecers near Ultramar, the Journie benefit alone can approach or exceed the $139 annual fee.
Other Key Benefits:
- Free first checked bag on Air Canada for cardholder and up to 8 travelling companions
- Priority boarding on Air Canada
- Emergency medical travel insurance up to $2M
- Trip cancellation and interruption insurance
- NEXUS application fee rebate up to $50 every 48 months
CIBC Aeroplan Visa Infinite Privilege — Best CIBC Card for Premium Travel
Annual fee: $599 | Income requirement: $150,000 individual or $200,000 household | Network: Visa
Earn Rates
| Category | Aeroplan Points per Dollar |
|---|---|
| Air Canada purchases | 2 pts |
| Groceries | 1.5 pts |
| Gas | 1.5 pts |
| Everything else | 1.25 pts |
Key Benefits
- Unlimited Maple Leaf Lounge access at Air Canada airports for cardholder + one guest
- 6 Priority Pass lounge visits worldwide
- Journie Rewards 10¢/L — still active on Privilege tier
- First checked bag free + priority boarding
- $5M emergency medical travel insurance
- Comprehensive trip cancellation, interruption, and delay coverage
CIBC Privilege vs TD Privilege
Both the CIBC and TD Aeroplan Visa Infinite Privilege offer nearly identical benefits. The CIBC version adds Journie 10¢/L fuel savings; TD’s version includes a similar package without the fuel benefit. For Chevron or Pioneer gas station users, CIBC’s Privilege card saves more per year.
CIBC Dividend Visa Infinite — Best CIBC Card for Cash Back
Annual fee: $120 | Income requirement: $60,000 individual or $100,000 household | Network: Visa
Earn Rates
| Category | Cash Back % |
|---|---|
| Groceries | 4% |
| Gas | 4% |
| Transportation | 2% |
| Dining and food delivery | 2% |
| Recurring bills | 2% |
| Everything else | 1% |
Cash back redemption: Redeemable in January each year or via CIBC’s Smart Save feature to your savings account.
Who It’s Best For
High-grocery and high-gas households who want straightforward cash back without managing points. At $1,000/month groceries + $150/month gas, the Dividend earns approximately $552/year in cash back at 4% — well above the $120 annual fee.
CIBC Aventura Gold Visa Infinite — Best CIBC Card for Flexible Travel
Annual fee: $139 | Income requirement: $60,000 individual or $100,000 household | Network: Visa
Earn Rates (Aventura Points)
| Category | Aventura Points per Dollar |
|---|---|
| Travel (any airline, hotel) | 2 pts |
| Groceries | 2 pts |
| Gas | 1.5 pts |
| Dining | 1.5 pts |
| Everything else | 1 pt |
Aventura point value: ~1 cent per point for travel redemptions; ~0.5 to 0.75 cents for merchandise.
Key Benefits
- $100 annual NEXUS or Global Entry credit
- Flexible flight redemption on any airline (no Air Canada restriction)
- Emergency medical up to $2M
- 4 complimentary airport lounge passes per year
Aventura vs Aeroplan
Aventura offers flexibility (any airline, any itinerary) while Aeroplan offers higher peak value (business class sweet spots worth 2 to 4+ cents per Aeroplan point). Canadians who primarily fly Air Canada get more value from Aeroplan. Frequent travellers on multiple airlines may prefer Aventura’s flexibility.
Simplii Financial Cash Back Visa — Best CIBC No-Fee Card
Annual fee: $0 | Income requirement: None stated | Network: Visa
Earn Rates
| Category | Cash Back % | Annual Cap |
|---|---|---|
| Restaurants and bars | 4% | $5,000 spend ($200 cash back) |
| Groceries and drug stores | 1.5% | No cap |
| Pre-authorised payments | 1.5% | No cap |
| Everything else | 0.5% | No cap |
Who It’s Best For
Canadians who dine out frequently and want no-fee cash back. 4% on restaurants with no annual fee is one of the best dining earn rates at zero cost in Canada. Combined with a premium rewards card for groceries and travel, the Simplii card handles restaurant spend with no annual fee drag.
Note: Simplii Financial is CIBC’s online-only banking brand. You do not need a CIBC bank account to apply for the Simplii Cash Back Visa.
CIBC Select Visa — Best CIBC Low-Rate Card
Annual fee: $29 | Interest rate: 13.99% | Network: Visa
For Canadians who occasionally carry a balance, the CIBC Select Visa’s 13.99% purchase rate is meaningful savings over the standard 19.99% on other cards. The $29 annual fee pays for itself after approximately $500 in carried balance compared to a no-fee 19.99% card.