CIBC’s credit cards include Visa cards in its Aeroplan, Aventura and Dividend families, the Select Visa and the Classic Visa, and Mastercards such as the CIBC Costco Mastercard and the CIBC Adapta Mastercard. When we checked, CIBC’s card finder counted 20 personal, 5 student and 7 business cards.
What does each CIBC credit card cost and earn?
| Card | Annual fee | Earn rate | Minimum income | Purchase rate | Foreign transaction fee |
|---|---|---|---|---|---|
| CIBC Dividend Visa Infinite Card | $120 | 4% on groceries, gas and EV charging and 2% on transit, dining and recurring payments (both capped), 2% on CIBC by Expedia, 1% on everything else | $60,000 personal or $100,000 household | 21.99% | 2.5% |
| CIBC Aeroplan Visa Infinite Card | $139 | 1.5 Aeroplan points per $1 on gas, EV charging, groceries and Air Canada (first $80,000 of purchases a year) and at Hyatt, 1 on everything else | $60,000 personal or $100,000 household | 21.99% | 2.5% |
| CIBC Dividend Platinum Visa Card | $99 | 3% on groceries, gas and EV charging and 2% on transit, dining and recurring payments (both capped), 2% on CIBC by Expedia, 1% on everything else | $15,000 household | 21.99% | 2.5% |
| CIBC Costco Mastercard | $0 | 3% at restaurants and Costco gas, 2% at other gas stations, EV charging and Costco.ca (gas and Costco.ca capped), 1% on everything else including Costco | $15,000 personal | 21.75% | 2.5% |
| CIBC Aeroplan Visa Card | $0 | 1 Aeroplan point per $1 on gas, EV charging, groceries and Air Canada (first $40,000 of purchases a year), 1 point per $1.50 on everything else | $15,000 household | 21.99% | 2.5% |
| CIBC Aeroplan Visa Card for Students | $0 | 1 Aeroplan point per $1 on gas, EV charging, groceries and Air Canada (first $40,000 of purchases a year), 1 point per $1.50 on everything else | None | 21.99% | 2.5% |
| CIBC Dividend Visa Card | $0 | 2% on groceries and 1% on gas, EV charging, transit, dining and recurring payments (both capped), 1% on CIBC by Expedia, 0.5% on everything else | $15,000 household | 21.99% | 2.5% |
| CIBC Dividend Visa Card for Students | $0 | 2% on groceries and 1% on gas, EV charging, transit, dining and recurring payments (both capped), 1% on CIBC by Expedia, 0.5% on everything else | None | 21.99% | 2.5% |
| CIBC Aventura Gold Visa Card | $139 | 2 points per $1 on CIBC Rewards Centre travel, 1.5 on groceries, gas, EV charging and drugstores (until $80,000 a year in total card spending), 1 on everything else | $15,000 household | 21.99% | 2.5% |
| CIBC Aventura Visa Infinite Card | $139 | 2 points per $1 on CIBC Rewards Centre travel, 1.5 on groceries, gas, EV charging and drugstores (until $80,000 a year in total card spending), 1 on everything else | $60,000 personal or $100,000 household | 21.99% | 2.5% |
| CIBC Adapta Mastercard | $0 | 1.5 Adapta Points per $1 in your top 3 spend categories each month (bonus on the first $40,000 a year), 2 on CIBC by Expedia travel, 1 on everything else | $15,000 household | 21.99% | 2.5% |
| CIBC Adapta Mastercard for Students | $0 | 1.5 Adapta Points per $1 in your top 3 spend categories each month (bonus on the first $40,000 a year), 2 on CIBC by Expedia travel, 1 on everything else | None | 21.99% | 2.5% |
| CIBC Aventura Visa Card | $0 | 1 point per $1 on CIBC Rewards Centre travel, groceries, gas, EV charging and drugstores (first $6,000 a year), 1 point per $2 on everything else | $15,000 household | 21.99% | 2.5% |
| CIBC Aventura Visa Card for Students | $0 | 1 point per $1 on CIBC Rewards Centre travel, groceries, gas, EV charging and drugstores (first $6,000 a year), 1 point per $2 on everything else | None | 21.99% | 2.5% |
| CIBC Aeroplan Visa Infinite Privilege Card | $599 | 2 Aeroplan points per $1 at Air Canada and Hyatt, 1.5 on gas, EV charging, groceries, travel and dining (Air Canada and the 1.5 categories on the first $100,000 of purchases a year), 1.25 on everything else | $150,000 personal or $200,000 household | 21.99% | 2.5% |
| CIBC Aventura Visa Infinite Privilege Card | $499 | 3 points per $1 on CIBC Rewards Centre travel, 2 on groceries, dining, gas, EV charging, transit and entertainment (until $200,000 a year in total card spending), 1.25 on everything else | $150,000 personal or $200,000 household | 21.99% | 2.5% |
| CIBC Classic Visa Card | $0 | No rewards | $15,000 household | 21.99% | 2.5% |
| CIBC Classic Visa Card for Students | $0 | No rewards | None | 21.99% | 2.5% |
| CIBC Select Visa Card | $29 | No rewards | $15,000 household | 13.99% | 2.5% |
| CIBC U.S. Dollar Aventura Gold Visa Card | $35 USD | 1 Aventura Point per U.S. $1 on CIBC Rewards Centre travel, 1 per U.S. $2 on everything else | $15,000 household | 21.99% | 2.5% |
Each card’s fact sheet, linked from its name, has the full terms we checked. CIBC has announced higher annual fees for the Aeroplan Visa Infinite and the Aeroplan Visa Infinite Privilege from January 12, 2027; the fee column switches on that date.
How do CIBC’s card families differ?
- Aeroplan cards earn Aeroplan points, the program on our Aeroplan hub.
- Aventura cards earn Aventura points; on its Aventura Visa Infinite page CIBC calls Aventura its “most flexible travel rewards program” (see our Aventura hub).
- The Dividend Visa earns cash back.
- The CIBC Costco Mastercard is only for Costco members.
- The CIBC Adapta Mastercard earns bonus Adapta points in your top 3 spending categories each month.
- The CIBC Select Visa is a low interest rate card.
Which CIBC card suits your spending?
Enter your monthly card spending to rank CIBC's cards by dollars back a year after fees.
Ranked by dollars back a year after fees, for your spending. Welcome offers, benefits and promoted cards never change the order.
- 1
CIBC Dividend Visa Infinite Card
$678a year after fees- $798 cash back a year
- Fees $120
- 2.05% back on spending
Welcome offer10% cash back on your first $2,000 in 4 statements (up to $200), $50 for a recurring payment, and a first-year annual fee rebate.No end date stated · checked Nov 11, 2026. Not part of the ranking; confirm on the issuer’s site.
- 2
CIBC Aeroplan Visa Infinite Card
$529a year after fees- 44,504 points a year at 1.50¢ (any travel or portal)
- Fees $139
- 1.71% back on spending
Welcome offerUp to 50,000 Aeroplan points and a first-year annual fee rebate.No end date stated · checked Nov 11, 2026. Not part of the ranking; confirm on the issuer’s site.
- 3
CIBC Dividend Platinum Visa Card
$520a year after fees- $619 cash back a year
- Fees $99
- 1.59% back on spending
Welcome offer10% cash back on your first $2,000 in 4 statements (up to $200), $50 for a recurring payment, and a first-year annual fee rebate.No end date stated · checked Nov 12, 2026. Not part of the ranking; confirm on the issuer’s site.
- 4
- 5
CIBC Aeroplan Visa Card
$445a year after fees- 29,670 points a year at 1.50¢ (any travel or portal)
- Fees $0
- 1.14% back on spending
Welcome offerUp to 10,000 Aeroplan points.No end date stated · checked Nov 11, 2026. Not part of the ranking; confirm on the issuer’s site.
- 6
CIBC Aeroplan Visa Card for Students
$445a year after fees- 29,670 points a year at 1.50¢ (any travel or portal)
- Fees $0
- 1.14% back on spending
Welcome offerUp to 10,000 Aeroplan points.No end date stated · checked Nov 12, 2026. Not part of the ranking; confirm on the issuer’s site.
- 7
- 8
CIBC Dividend Visa Card for Students
$333a year after fees- $333 cash back a year
- Fees $0
- 0.85% back on spending
Welcome offer$25 cash back after your first purchase, plus 10% cash back on up to $1,000 of purchases in the first 4 monthly statements (up to $125).No end date stated · checked Nov 12, 2026. Not part of the ranking; confirm on the issuer’s site.
- 9
CIBC Aventura Gold Visa Card
$312a year after fees- 45,081 points a year at 1¢ (any travel or portal)
- Fees $139
- 1.16% back on spending
Welcome offerUp to 60,000 Aventura Points and a first-year annual fee rebate.No end date stated · checked Nov 11, 2026. Not part of the ranking; confirm on the issuer’s site.
- 10
CIBC Aventura Visa Infinite Card
$312a year after fees- 45,081 points a year at 1¢ (any travel or portal)
- Fees $139
- 1.16% back on spending
Welcome offerUp to 60,000 Aventura Points and a first-year annual fee rebate.No end date stated · checked Nov 11, 2026. Not part of the ranking; confirm on the issuer’s site.
- 11
CIBC Adapta Mastercard
$309a year after fees- 46,380 points a year at 0.67¢ (its lowest stated rate)
- Fees $0
- 0.79% back on spending
Welcome offerUp to 6,000 Adapta Points.No end date stated · checked Nov 12, 2026. Not part of the ranking; confirm on the issuer’s site.
- 12
CIBC Adapta Mastercard for Students
$309a year after fees- 46,380 points a year at 0.67¢ (its lowest stated rate)
- Fees $0
- 0.79% back on spending
Welcome offerUp to 15,000 Adapta Points.No end date stated · checked Nov 12, 2026. Not part of the ranking; confirm on the issuer’s site.
- 13
CIBC Aventura Visa Card
$225a year after fees- 22,468 points a year at 1¢ (any travel or portal)
- Fees $0
- 0.58% back on spending
Welcome offerUp to 12,500 Aventura Points.No end date stated · checked Nov 11, 2026. Not part of the ranking; confirm on the issuer’s site.
- 14
CIBC Aventura Visa Card for Students
$225a year after fees- 22,468 points a year at 1¢ (any travel or portal)
- Fees $0
- 0.58% back on spending
Welcome offerUp to 12,500 Aventura Points.No end date stated · checked Nov 12, 2026. Not part of the ranking; confirm on the issuer’s site.
- 15
CIBC Aeroplan Visa Infinite Privilege Card
$201a year after fees- 53,320 points a year at 1.50¢ (any travel or portal)
- Fees $599
- 2.05% back on spending
Welcome offerUp to 100,000 Aeroplan points.No end date stated · checked Nov 11, 2026. Not part of the ranking; confirm on the issuer’s site.
- 16
CIBC Aventura Visa Infinite Privilege Card
$105a year after fees- 60,420 points a year at 1¢ (any travel or portal)
- Fees $499
- 1.55% back on spending
Welcome offerUp to 80,000 Aventura Points.No end date stated · checked Nov 11, 2026. Not part of the ranking; confirm on the issuer’s site.
- 17
CIBC Classic Visa Card
$0a year after fees- Fees $0
- 18
CIBC Classic Visa Card for Students
$0a year after fees- Fees $0
- 19
CIBC Select Visa Card
-$29a year after fees- Fees $29
Welcome offer0% introductory rate for 10 months on balance transfers (1% fee), and no annual fee for the first year.No end date stated · checked Nov 11, 2026. Not part of the ranking; confirm on the issuer’s site.
CIBC U.S. Dollar Aventura Gold Visa Card
Not compared here: billed in USD: not comparable on Canadian-dollar spending.
The calculator counts Aeroplan points at CardNorth’s estimate of 1.5 cents each, which you can change.
Does a CIBC bank account rebate the annual fee?
CIBC Smart Account clients in Tier 2 and Tier 3 who hold an active eligible card get an annual fee rebate automatically, until CIBC discontinues it on January 1, 2027.Tier 2 means an average monthly balance of $40,000 to $99,999 in your personal deposits and investments at CIBC, and Tier 3 means $100,000 or more. The Tier 2 rebate is up to $50 a year for the primary cardholder; Tier 3 is up to $139, plus up to $50 for each of up to 3 authorized users.
From January 1, 2027, the rebate is no longer automatic: an eligible client picks it during the CIBC Smart Benefits selection, and choosing it rules out any other benefit for the same program period. It applies to the account with the highest cumulative annual fee, and the card must have been opened in the 12 months before the eligibility date or used for at least $1,000 in net purchases over 12 statement periods. The eligible cards include the Aventura Gold, Aventura Visa Infinite and Visa Infinite Privilege, Aeroplan Visa Infinite and Visa Infinite Privilege, Dividend Platinum and Dividend Visa Infinite.
Where do CIBC Visa and Mastercard holders sign in?
Cardholders sign on to CIBC Online Banking or the CIBC Mobile Banking app to temporarily lock the card. A new or replacement card can be activated online, and a credit limit increase can be requested online, in the app or by contacting CIBC. You can also apply for a CIBC card online.
Compare CIBC's cards with all 162 cards we've checked, from 24 banks, in the card finder
Sources
The figures and rules on this page come from these sources, last checked against them on November 11, 2026. About CardNorth.
- American Express: Aeroplan card
- American Express: Aeroplan reserve card
- American Express: Cobalt card
- American Express: Gold rewards card
- American Express: Green card
- American Express: Marriott bonvoy card
- American Express: The platinum card
- American Express: Simply cash
- American Express: Simply cash preferred
- American Express: Aeroplan reserve
- ATB Financial: Gold cash rewards mastercard
- ATB Financial: Gold my rewards mastercard
- ATB Financial: World elite mastercard
- BMO: Bmo ascend world elite mastercard
- BMO: Bmo blue rewards mastercard
- BMO: Bmo blue rewards world elite mastercard
- BMO: Bmo cashback mastercard
- BMO: Bmo cashback world elite mastercard
- BMO: Bmo eclipse rise visa
- BMO: Bmo eclipse visa infinite
- BMO: Bmo eclipse visa infinite privilege
- BMO: Preferred rate mastercard
- BMO: Student bmo cashback mastercard
- BMO: Us dollar mastercard
- BMO: Bmo viporter mastercard
- BMO: Bmo viporter world elite mastercard
- BMO: Terms and conditions en
- Brim Financial: Personal
- Canadian Tire Bank: Cash advantage
- Canadian Tire Bank: Credit cards
- Canadian Tire Bank: Triangle world elite mastercard
- Canadian Tire Bank: Homepage
- CIBC: Aeroplan visa infinite card
- CIBC: Data table
- CIBC: Smart plus account
- CIBC: Aeroplan visa card
- CIBC: Aeroplan visa infinite privilege card
- CIBC: Aventura gold visa card
- CIBC: Aventura visa card
- CIBC: Aventura visa infinite card
- CIBC: Aventura visa infinite privilege card
- CIBC: Costco mastercard
- CIBC: Dividend visa card
- CIBC: Dividend visa infinite card
- CIBC: Select visa card
- Desjardins: Bonus visa
- Desjardins: Cash back mastercard
- Desjardins: Cash back visa
- Desjardins: Cash back world elite mastercard
- Desjardins: Cards no longer available
- Desjardins: Flexi visa
- Desjardins: Odyssey gold visa
- Desjardins: Odyssey visa infinite privilege
- Desjardins: Odyssey world elite mastercard
- EQ Bank: Card
- help.wealthsimple.com: 56029868745499 Wealthsimple Credit Card 555 Cash Back Welcome Offer
- Home Trust: Preferred visa card
- Internet Archive: Aero platinum visa card
- Internet Archive: Tims Mastercard Disclosure Statement, Rate & Fee Schedule, Canada (Except Quebec), archived December 20, 2025
- KOHO: Core
- KOHO: Everything
- KOHO: Extra
- KOHO: 10 cash back
- KOHO: Accounts
- MBNA: Amazon rewards mastercard
- MBNA: Mbna rewards mastercard
- MBNA: Mbna rewards world elite mastercard
- MBNA: Smart cash mastercard
- MBNA: Smart cash world mastercard
- MBNA: True line gold mastercard
- MBNA: True line mastercard
- MBNA: Quebec
- MBNA: Quebec
- MBNA: Quebec
- MBNA: Quebec
- Meridian: Meridian visa cash back card
- Meridian: Meridian visa infinite cash back card
- Meridian: Meridian visa infinite travel rewards card
- Meridian: Meridian visa us dollar card
- National Bank: Allure
- National Bank: Echo
- National Bank: Mc1
- National Bank: My credit
- National Bank: Platinum
- National Bank: Syncro
- National Bank: World elite
- National Bank: World
- Neo Financial: cathay.neofinancial.com
- Neo Financial: Neo mastercard
- Neo Financial: Neo united mastercard
- Neo Financial: Credit cards
- Neo Financial: Neo world elite mastercard
- pay.cathaypacific.com: Cathay neo 15 off
- PC Financial: Insiders
- PC Financial: Pc silver mastercard
- PC Financial: World elite
- PC Financial: World mastercard
- RBC Royal Bank: Rbc avion visa infinite
- RBC Royal Bank: Rbc avion visa infinite privilege
- RBC Royal Bank: Rbc visa platinum avion
- RBC Royal Bank: Rbc british airways visa infinite
- RBC Royal Bank: Rbc cashback mastercard
- RBC Royal Bank: Rbc preferred world elite mastercard
- RBC Royal Bank: Rbc ion plus visa
- RBC Royal Bank: Rbc ion visa
- RBC Royal Bank: Moi rbc visa
- RBC Royal Bank: More rewards rbc visa
- RBC Royal Bank: Rbc rateadvantage visa
- RBC Royal Bank: Rbc us dollar visa gold
- RBC Royal Bank: Rbc visa classic low rate
- RBC Royal Bank: Rbc visa platinum
- RBC Royal Bank: Westjet rbc mastercard
- RBC Royal Bank: Westjet rbc world elite mastercard
- Rogers Bank: Rogers red mastercard details
- Rogers Bank: Rogers red worldelite mastercard details
- Rogers Bank: Rogers red worldlegend mastercard details
- Rogers Bank: Rogers red world mastercard details
- Scotiabank: No fee amex card
- Scotiabank: Gold card
- Scotiabank: Momentum card
- Scotiabank: Momentum no fee card
- Scotiabank: Momentum cash back card
- Scotiabank: Momentum infinite card
- Scotiabank: Passport infinite card
- Scotiabank: Passport infinite privilege card
- Scotiabank: Platinum card
- Scotiabank: Scene card
- Scotiabank: Value card
- Simplii Financial: Cash back visa
- Statistics Canada: Data table
- Statistics Canada: Data table
- Tangerine: Tangerine Money-Back Credit Card
- Tangerine: World credit card
- Tangerine: World elite mastercard
- Tangerine: Credit card cardholder agreement
- TD: Aeroplan visa infinite card
- TD: Aeroplan visa infinite privilege card
- TD: Aeroplan visa platinum card
- TD: Cash back visa card
- TD: Cash back visa infinite card
- TD: First class travel visa infinite card
- TD: Low rate visa card
- TD: Platinum travel visa card
- TD: Rewards visa card
- walmartrewards.ca: Creditcards
- wealthsimple.com: Chequing
- wealthsimple.com: Wealthsimple visa infinite card
- wealthsimple.com: Wealthsimple visa infinite privilege card
- wealthsimple.com: Rewards terms conditions