https://cardnorth.ca/credit-cards/cibc/Recent content in CIBC Credit Cards: Fees, Rates and Rewards of Each Card on CardNorthHugo -- gohugo.ioen-caThu, 12 Nov 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/cibc/cibc-adapta-mastercard/Thu, 12 Nov 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/cibc/cibc-adapta-mastercard/How the bonus categories work You don’t pick the categories. At the end of each statement period, purchases in the 3 spend categories where your net purchases were highest earn 1 Adapta Point plus 0.5 bonus points per $1. Purchases through CIBC by Expedia are left out of the spend categories. Bonus points stop after $40,000 of net purchases on the account in a year, and every cardholder’s purchases count toward it.https://cardnorth.ca/credit-cards/cibc/cibc-aeroplan-visa-card/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/cibc/cibc-aeroplan-visa-card/Limit on the bonus rate The bonus rate applies to the first $40,000 of net purchases a year on the account, and that limit counts all purchases by all cardholders at any merchant. After that, purchases earn the regular rate. The limit resets the day after your December statement. What counts Points are earned on purchases less returns, not on cash advances, balance transfers, interest or fees. The Air Canada rate covers purchases made directly from Air Canada, including Air Canada Vacations packages.https://cardnorth.ca/credit-cards/cibc/cibc-aeroplan-visa-infinite-privilege/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/cibc/cibc-aeroplan-visa-infinite-privilege/Limit on the bonus rates The bonus rates apply to the first $100,000 of net purchases a year on the account, and that limit counts all purchases by all cardholders at any merchant. After that, purchases earn the regular rate. The limit resets the day after your December statement. Hyatt The Hyatt rate applies from July 15, 2026 to July 15, 2029, outside the $100,000 limit. The World of Hyatt perks cover the same period and go to the primary cardholder once their Aeroplan and World of Hyatt accounts are linked, not before.https://cardnorth.ca/credit-cards/cibc/cibc-aventura-gold-visa/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/cibc/cibc-aventura-gold-visa/Limit on the higher rate The 1.5-point rate at grocery stores, gas stations, EV charging and drugstores applies until the account reaches $80,000 a year in net purchases, counting all purchases by all cardholders at any merchant. After that, those purchases earn the regular rate. The limit resets after your December statement is printed. Lounge visits and NEXUS After you enrol in the Visa Airport Companion Program through its app or website, the primary cardholder gets 4 complimentary lounge visits per membership year, which can also be used for guests.https://cardnorth.ca/credit-cards/cibc/cibc-aventura-visa-infinite-privilege/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/cibc/cibc-aventura-visa-infinite-privilege/Limit on the higher rate The 2-point rate at grocery, dining, gas, EV charging, transit and entertainment merchants applies until the account reaches $200,000 a year in net purchases, counting all purchases by all cardholders at any merchant; after that, those purchases earn the regular rate. The limit resets after your December statement is printed. The annual travel credit The $200 annual travel credit is applied to travel bought through the CIBC Rewards Centre, within 30 days of the purchase posting.https://cardnorth.ca/credit-cards/cibc/cibc-aventura-visa-infinite/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/cibc/cibc-aventura-visa-infinite/Limit on the higher rate The 1.5-point rate at grocery stores, gas stations, EV charging and drugstores applies until the account reaches $80,000 a year in net purchases, counting all purchases by all cardholders at any merchant. After that, those purchases earn the regular rate. The limit resets after your December statement is printed. Lounge visits and NEXUS After you enrol in the Visa Airport Companion Program through its app or website, the primary cardholder gets 4 complimentary lounge visits per membership year, which can also be used for guests.https://cardnorth.ca/credit-cards/cibc/cibc-aventura-visa/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/cibc/cibc-aventura-visa/Limit on the higher rate The 1-point rate at grocery stores, gas stations, EV charging and drugstores applies to the first $6,000 a year of purchases in those categories, counting all cardholders on the account. After that, those purchases earn the regular rate. The limit resets after your December statement is printed. Travel through the CIBC Rewards Centre The CIBC Rewards Centre is CIBC by Expedia, a booking site for CIBC cardholders with flights, hotels, car rentals and vacation packages.https://cardnorth.ca/credit-cards/cibc/cibc-costco-mastercard/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/cibc/cibc-costco-mastercard/Limits on the higher rates The 3% at Costco gas and the 2% at other gas stations and EV charging share one limit: the first $5,000 of gas and charging purchases a year. After that, all gas and EV charging, Costco’s included, earns 1%. The 2% at Costco.ca applies to the first $8,000 of Costco.ca purchases a year, then 1%. Both limits reset on January 1. How cash back is paid out CIBC pays the cash back once a year, in January, as a Cash Back Gift Certificate for what you earned in the previous calendar year.https://cardnorth.ca/credit-cards/cibc/cibc-dividend-visa-infinite/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/cibc/cibc-dividend-visa-infinite/How cash back is paid out Once your cash back reaches $10, you can redeem it at any time through CIBC Online Banking or the CIBC Mobile Banking App. CIBC credits it to your card account within 5 days of the request. Amounts under $10 can be redeemed by calling CIBC between December 1 and March 31. Only the primary cardholder can redeem. Cash back doesn’t expire. Limits on the higher rates The 4% and 2% rates apply until you reach either $20,000 a year of purchases in the bonus categories or $50,000 of all purchases on the account by all cardholders, whichever comes first.https://cardnorth.ca/credit-cards/cibc/cibc-dividend-visa/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/cibc/cibc-dividend-visa/How cash back is paid out Once your cash back reaches $10, you can redeem it at any time through CIBC Online Banking or the CIBC Mobile Banking App. CIBC credits it to your card account within 5 days of the request. Amounts under $10 can be redeemed by calling CIBC between December 1 and March 31. Only the primary cardholder can redeem. Cash back doesn’t expire. Limits on the higher rates The 2% and 1% rates apply to the first $20,000 a year of purchases in the bonus categories or the first $30,000 of all purchases on the account, by all cardholders.https://cardnorth.ca/credit-cards/cibc/cibc-select-visa/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/cibc/cibc-select-visa/How the rates apply The cash rate covers cash advances, balance transfers and CIBC Convenience Cheques. CIBC contrasts the card’s low rate with introductory rates that expire after a promotional period. Interest rates may still change from time to time. Fuel and car rental discounts Once you link the card to Journie Rewards through CIBC Online or Mobile Banking, you save three cents a litre at participating stations. After 300 Journie Points, you save seven cents more a litre on your next fill-up within 30 days.https://cardnorth.ca/credit-cards/cibc/cibc-aeroplan-visa-infinite/Sat, 16 May 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/cibc/cibc-aeroplan-visa-infinite/Limit on the bonus rate The bonus rate on gas, EV charging, groceries and Air Canada applies to the first $80,000 of net purchases a year on the account, and that limit counts all purchases by all cardholders at any merchant. After that, purchases earn the regular rate. The limit resets the day after your December statement. Hyatt purchases don’t count toward it. Hyatt The Hyatt rate applies to purchases at participating Hyatt hotels from July 15, 2026 to July 15, 2029.