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description= Whether you re newly arrived or already settled in, let us help make Canada feel like home with banking solutions to make life easier.;
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Text of the page (random words):
to be manipulating or abusing it or are engaged in any suspicious or fraudulent activity as determined by cibc in its sole discretion if you apply and are approved for a new eligible card cibc will rebate for the first two years the applicable annual fee for you the primary cardholder and up to three authorized users added at the time of the application this offer does not apply to annual fees for authorized users that are added after you submit your application if your application for an eligible card is not approved you may be considered for another card as disclosed in your credit card application if you are approved for that card this annual fee rebate offer will apply in the amount of the annual fee if any of the alternate card if you qualify the rebate will be awarded to the primary cardholder and will appear as a credit against the applicable annual fee s on the anniversary month statement period in which the annual fee is charged for each of the first two years for a total of 2 annual fee rebates for each cardholder at the time the rebate is awarded your new credit card account must be open in good standing and must be the same credit card product that you were initially approved for cibc smart account refer a friend 50 cash reward the reward is part of the cibc smart account refer a friend program the program to be eligible as a referrer a referrer individuals must i be residents of canada ii be age 16 and over iii hold a cibc canadian dollar chequing or savings account that is open active and in good standing and iv have registered for cibc mobile or online banking to be eligible as a friend a friend an individual must i at the time of account open have not held or jointly held a cibc smart account as determined by cibc on the basis of its official records ii have a personal or family relationship with the referrer and iii meet the eligibility requirements to open an eligible cibc smart account including cibc smart account cibc smart start cibc smart for students cibc smart account for newcomers cibc smart for seniors or cibc smart account for apprentices each an account to qualify to receive a 50 cash reward the reward a referrer must refer a friend the friend must open an eligible smart account and complete all qualifying actions in accordance with the cibc smart account refer a friend program terms pdf 115 kb opens a new window limit of one 1 reward payable to a referrer per qualifying friend and one 1 reward payable to a qualifying friend regardless of how many accounts are opened by the friend referrer may receive up to fifty 50 rewards per calendar year referrals containing the refer and earn link must be created and distributed in a personal manner that is appropriate and customary for communications with friends and family members and must not appear to be sent by or on behalf of cibc bulk email distribution distribution to strangers or individuals with whom the referrer does not have a personal or family relationship may be grounds for immediate termination from the program revocation of rewards and further legal action by cibc cibc reserves the right to end cancel change or suspend this offer or the program or change these terms for any reason without notice other conditions apply to learn more refer to the cibc smart account refer a friend program terms pdf 115 kb opens a new window this cibc eadvantage savings account special interest rate offer the offer provides eligible clients with the ability to earn a special annual interest rate special interest rate on their first cibc eadvantage savings account the eligible esa the offer is available to individuals who i have reached the age of majority in their province or territory of residence and ii as of the date the eligible esa is opened are not a holder or have not held either jointly or individually a cibc eadvantage savings account as determined by cibc on the basis of its official records eligible esas will earn the special interest rate on balances up to 1 000 000 for 90 days from the date the eligible esa is opened the special rate period the special interest rate is a combination of the regular interest rate that applies to your esa balance tier plus an additional bonus interest rate any change to the regular interest rate will result in a corresponding change to the bonus interest rate so that the overall special interest rate will remain the same during the special rate period once the special rate period is over the regular rate structure will apply unless otherwise specified regular interest is calculated daily on each day s full closing balance and paid monthly to your eligible esa bonus interest is calculated daily on each day s full closing balance up to a balance limit of 1 000 000 during the special rate period and is paid monthly to your eligible esa both the regular and bonus interest rates are based on the tier your daily closing balance falls within for current interest rates visit cibc s interest rates page interest rates quoted are annual regular and bonus rates may change at any time without prior notice unless otherwise indicated this offer cannot be combined with any other cibc eadvantage savings account offers cibc reserves the right to end cancel change or suspend this offer or change these terms at any time for any reason without notice other conditions apply for full offer details review the terms and conditions pdf 120 kb opens a new window or visit a cibc banking centre opens a new window if you have a cibc personal bank account savings chequing or a personal line of credit or an eligible cibc credit card but have not yet tried cibc global money transfer gmt request a gmt transfer and you can receive up to 700 ca credited to your account depending on the amount of your first transfer 35 ca credit for transfer amounts between 100 ca to 9 999 99 ca 100 ca credit for transfer amounts between 10 000 ca to 29 999 99 ca 300 ca credit for transfer amounts between 30 000 ca to 49 999 99 ca 500 ca credit for transfer amounts between 50 000 ca to 69 999 99 ca 700 ca credit for transfer amounts of 70 000 ca and over if you pay for a gmt using your eligible credit card the maximum amount that can be transferred is 15 000 ca which means the maximum amount of cash back you could receive is 100 ca if you send to a visa card the maximum amount that can be transferred is 3 000 ca which means the maximum amount of cash back you could receive is 35 ca if you send money for cash pickup the maximum amount that can be transferred is 2 000 ca which means the maximum amount of cash back you could receive is 35 ca if you send money to an alipay digital wallet the maximum amount that can be transferred is 8 000 ca which means the maximum amount of cash back you could receive is 35 ca if you send money to a gcash or maya digital wallet the maximum amount that can be transferred is 2 000 ca which means the maximum amount of cash back you could receive is 35 ca other gmt transfer limits may apply depending on the transfer method receiving country selected and credit card network used these limits may reduce the maximum cash back you may qualify for the credit will be applied to your cibc account in 4 to 6 weeks use promo code reward to claim offer offer ends 11 59 59 pm est on october 31 2025 cibc may cancel or change the offer at any time without notice the cibc and skip program the program consists of i free skip membership ii welcome voucher and iii monthly voucher collectively the offer in order to participate in the program and be eligible for the offer an eligible cibc cardholder must actively opt in to the program by linking their eligible card with their skip account any such skip account that is linked to an eligible card a linked account through the skip app or website offer is limited to one free skip membership and one welcome voucher per eligible card and linked account monthly voucher is limited to one voucher per month per eligible card and linked account existing terms of your skip membership program cibc rewards program credit card account and debit card continue to apply program may end at any time without notice offer may be withdrawn or changed without notice at any time including without limitation changes to the free skip membership the welcome voucher and the monthly voucher for full terms and conditions visit the cibc and skip partnership page as part of the skip programme subscribers are entitled to at least the following loyalty benefits 0 delivery fee on orders placed at participating partners subject to a minimum spend of at least 15 before associated taxes in order to benefit from the free delivery promotion such minimum order value may vary depending on the partner selected but will always be shown to you before placing your order on the platform participating partners may change at any time discounted service fees a saving of at least 40 off the regular services fees charged participating partners only participating partners will be identifiable when placing an order through the use of the skip logo you can check the service fee charged by each participating partner in the partner menu service fees in general may vary between partners and locations skip members will be entitled to exclusive and or priority access to promotions offered by skip and its partners from time to time provided you have not opted out of receiving marketing communications from skip additional promotional benefits offers and rewards may additionally be made available from time to time subject to any additional terms published alongside those offers or rewards read the full program terms and conditions 1 earn 3 cash back on purchases less returns at merchants classified by the credit card network as grocery stores and supermarkets or gas service stations automated fuel dispensers and electric vehicle charging with a merchant category code of mcc 5552 earn 2 cash back on purchases less returns at merchants classified by the credit card network as i local and suburban commuter transportation in canada including subway streetcar taxi limousine and ride sharing services excludes merchants that may be classified as travel services or travel bookings such as air transport car rentals and cruises ii eating places and restaurants drinking places and fast food restaurants or iii recurring payments that are pre authorized with a merchant to occur on a regular daily monthly or annual schedule and classified by the merchants as recurring all other purchases earn 1 cash back the 3 and 2 cash back offers are only available on the first 80 000 in net annual card purchases meaning all card purchases by all cardholders at any type of merchant or 20 000 on grocery stores supermarkets gas service stations and automated fuel dispensers merchants classified as electric vehicle charging with a merchant category code of mcc 5552 commuter transportation eating and drinking places and restaurants or on recurring payments on your account whichever comes first after that net card purchases at all merchants including grocery stores supermarkets gas service stations and automated fuel dispensers merchants classified as electric vehicle charging with a merchant category code of mcc 5552 commuter transportation eating and drinking places and restaurants or on recurring payments will earn cash back at the regular rate of 1 the 80 000 limit and the 20 000 limit will reset to zero after the day your december statement is printed terms conditions and eligible merchant merchant categories may change without notice cash back is earned on card purchases less returns and not on cash advances cibc global money transfers interest fees balance transfers payments or cibc convenience cheques credits for returns made on your account may result in a deduction of cash back at a higher earn rate even though the return may relate to a purchase that earned cash back at a lower rate we may make special offers including offers to earn cash back on cibc global money transfers which may be for a limited period and contain additional terms and conditions 2 cibc foreign exchange rates apply a cibc global money transfer and a foreign exchange transaction counts towards your allowable transaction limit bank account transaction fees may apply must have a cibc chequing account savings account eligible credit card or personal line of credit account to send a cibc global money transfer most transfers are completed within 1 to 3 business days only primary credit card cardholders can use their eligible credit card account to pay for the cibc global money transfer service review the cibc global money transfer agreement pdf 135 kb opens a new window 3 the cibc free credit score service is a feature in the cibc mobile banking app which allows cibc clients to subscribe to get their credit score from equifax canada the equifax credit score is based on equifax s proprietary model and may not be the same score used by third parties or by cibc in certain instances to access your creditworthiness the provision of this score to you is intended for your own educational use third parties and cibc will take into consideration other information in addition to a credit score when evaluating your creditworthiness you should always obtain the most updated credit information and credit scores from equifax canada to ensure accuracy before making a major financial decision 4 this offer is available to eligible cibc primary cardholders and consists of a statement credit equal to a 50 discount on a disney standard with ads subscription currently 8 99 cad per month plus taxes where applicable but subject to change at disney s discretion and in accordance with the disney subscription agreement for up to 6 consecutive months the offer term exclusive of taxes the offer the statement credit may be applied on any eligible monthly disney subscription plan charged to an eligible cibc credit card however the maximum monthly statement credit available under this offer is 4 50 cad which represents 50 of the current monthly subscription fee for disney standard with ads to qualify for the offer you must be the age of majority or older in your province or territory and be a new or eligible returning disney subscriber you are an eligible returning disney subscriber if you did not have a subscription to any disney plan in the 12 months preceding your subscription to disney in accordance with this offer offer is available only to primary cardholders and is valid only on any monthly disney subscription purchase made directly at disney plus opens a new window subscription purchases made through mobile apps third party providers or platforms and transactions made with third party payment processors e g paypal are excluded from this offer annual subscription purchases are also excluded from this offer after signing up using your eligible credit card your eligible credit card will be charged the applicable monthly disney subscription fee at t...
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