You can apply for a CIBC credit card online at cibc.com, through the CIBC mobile app (for existing clients), or at a CIBC branch. Most applications take under 10 minutes and return an instant decision.
Step-by-Step: Applying Online
- Choose your card — Compare CIBC credit cards and check income requirements
- Go to cibc.com — Click “Apply Now” on your chosen card’s page
- Log in or continue as a guest — Existing CIBC Online Banking clients can pre-fill their personal information
- Complete the application — Full name, date of birth, SIN (optional), gross annual income, employment details, address
- Submit — CIBC pulls a hard credit inquiry; most decisions arrive within minutes
Income Requirements Quick Reference
| Card Tier | Personal Income | Household Income |
|---|---|---|
| Visa Infinite (Aeroplan, Aventura, Dividend) | $60,000 | $100,000 |
| Visa Infinite Privilege (Aeroplan, Aventura) | $150,000 | $200,000 |
| All other cards (Platinum, Gold, Visa, no-fee) | None | None |
See CIBC Credit Card Income Requirements for the full table.
Required Information
| Field | Details |
|---|---|
| Legal name and date of birth | As on your government ID |
| SIN (optional) | Helps with identity verification |
| Annual gross income | From all sources (employment, self-employment, pension, investments) |
| Employment status | Employed, self-employed, retired, student |
| Employer details | Name, address, years at current employer |
| Home address | Current address and previous if less than 2 years |
| Monthly housing cost | Rent or mortgage payment |
CIBC Client Advantage
Existing CIBC banking clients logged into CIBC Online Banking can pre-fill personal information. CIBC clients may also see pre-approved credit card offers inside their CIBC mobile app.
Note on CIBC Costco Mastercard: if you have a Costco membership, the CIBC Costco Mastercard has its own application process through Costco’s website — it earns CT Money (Canadian Tire currency), not Aeroplan or Aventura points.
After You Apply
| Outcome | Timing | What to Expect |
|---|---|---|
| Approved — instant | Immediate | Card mailed; arrives in 7–10 business days |
| Pending | 1–5 business days | CIBC may call or request income documentation |
| Declined | Immediate or up to 5 days | Consider a lower-tier card or explore other issuers |
To follow up on a pending application: call 1-800-465-4653 (CIBC Credit Cards).
Tips
- Check the NEXUS reimbursement benefit before choosing between the CIBC and TD Aeroplan Visa Infinite — CIBC’s Infinite includes it; TD’s does not
- First-year annual fee promotions are common on CIBC’s Aeroplan Visa Infinite and Dividend Visa Infinite — check cibc.com for current offers
- Provide a SIN — it speeds up processing and typically results in faster decisions for new-to-CIBC applicants
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Process current as of June 2026. CIBC may update its application process at any time. See our Advertiser Disclosure.