Best CIBC credit cards in Canada

Up to 3 additional cards $0; Costco membership required (card doubles as the membership card)

• 3% restaurants & Costco gas · 2% other gas/EV and Costco.ca
• 1% everything else INCLUDING in-warehouse Costco — no cap on total cash back

None

Income

$15,000

FX fee

Not stated on the card page — confirm in the cardholder agreement (typically 2.5%)

Travel medical

None

Rates

21.75% — higher than commonly quoted purchases · 22.49% (21.99% Quebec) advances

First year rebated; additional cards $30 → $50 effective Aug 1, 2026

• 4% gas, EV charging and groceries
• 2% transportation, dining, recurring payments
• 1% else — the page now states “no limit on the total cash back” (the old caps no longer appear; aggregators still print them)

Up to $350: 10% back on first $2,000 (4 statements) + $50 for a pre-authorized payment + $120 fee rebate — no end date stated

Income

$60,000 personal / $100,000 household

FX fee

Not published on the card page — confirm in the cardholder agreement (typically 2.5%)

Travel medical

First 10 days if 64 or under · 65+: not covered

Rates

21.99% purchases · 22.99% (21.99% Quebec) advances

First year rebated; up to 3 additional cards at $50 (also rebated yr 1)

• 2× travel via CIBC Rewards Centre · 1.5× gas/EV/grocery/drugstore · 1× else

Up to 60,000 Aventura pts (15k first purchase + 30k at $3,000 + 15k at $5,000, first 4 statement periods) — ongoing

Income

$60,000 personal / $100,000 household

FX fee

Not published on the card page — confirm in the cardholder agreement (typically 2.5%)

Travel medical

15 days if 64 or under ($5M) · 65+: 3 days — pre-existing stability window doubles to 180 days at 65+

Rates

21.99% — raised recently; aggregators still show 20.99% purchases · 22.99% (21.99% Quebec) advances