2026's Best CIBC Credit Cards

Take advantage of great CIBC credit card offers today.

CIBC

The Canadian Imperial Bank of Commerce, more commonly known as CIBC by Canadians, offers a wide variety of financial services and products, including credit cards. CIBC partners with Visa to offer a student credit cards, travel credit cards, rewards credit cards, business credit cards and more.

CIBC is headquartered in Toronto. The corporation was founded in 1961 when the Canadian Bank of Commerce and the Imperial Bank of Canada merged, forming CIBC.

Best Credit Cards for 2026: Best Overall CIBC Card

On Rates.ca, you can instantly compare CIBC’s top credit card offerings to find the perfect card for your lifestyle.

 

First-year value*Credit score requiredTop features

1. CIBC Dividend® Visa Infinite*

$882ExcellentEarn 4% cash back on eligible gas and grocery purchases. Includes travel coverage and mobile device insurance.

2. CIBC Aventura® Visa Infinite*

$1,536ExcellentEarn 1x points on eligible gas and grocery purchases. Includes complimentary shopping insurance.

3. CIBC Aventura® Visa Card*

$527GoodEarn 1x points on eligible gas and grocery purchases. Includes complimentary shopping insurance.

4. CIBC Aventura® Visa* Card for Students

$527GoodEarn 1x points on eligible gas and grocery purchases. Includes complimentary shopping insurance.

*The Rates.ca Best of Finance methodology assumes the cardholder spends an average of $2,000 a month on their card to determine the first-year value. The calculation includes all welcome bonuses and promotional offers at the time of publishing.

Winner: CIBC Dividend® Visa Infinite*

The CIBC Dividend® Visa Infinite* allows you to earn cash back on everyday purchases, such as gas and groceries, transportation and dining. As a cardholder, in addition to the CIBC travel and mobile device insurance benefits, you also gain access to great travel perks through the Visa Infinite* program. This card is perfect for you if you enjoy earning cash back but also prefer having travel benefits.

According to our Best of Finance methodology, the average Canadian could earn around $832 in rewards in the first year.

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$300
+ Annual rewards
$582
- Annual fee (First Year Rebated)
$0
Total first year value
$882
CIBC Dividend® Visa Infinite*

card image
Welcome bonus
$300
CIBC Cash Back Rewards
Annual rewards
$582
CIBC Cash Back Rewards
Annual fees:
$120 (First Year Rebated)
Interest rates:
21.99% on purchases • 22.99% on cash advances
This offer is not available for residents of Quebec.
2026 Winner – Best Family Card for Gas and Groceries
Generous cash back earns in key spending categories
Details at a glance Collapse details
Welcome bonus
$300
Annual rewards
$582
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$300
+ Annual rewards
$582
- Annual fee (First Year Rebated)
$0
Total first year value
$882
Annual fees:
$120 (First Year Rebated)
Interest rates:
21.99% on purchases
22.99 on cash advances
This offer is not available for residents of Quebec.
2026 Winner – Best Family Card for Gas and Groceries
Generous cash back earns in key spending categories
Details at a glance Collapse details

 

Runners-up: Best Overall CIBC Card

2. CIBC Aventura® Visa Infinite*

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$900
+ Annual rewards
$636
- Annual fee (First Year Rebated)
$0
Total first year value
$1536
CIBC Aventura® Visa Infinite*

card image
Welcome bonus
$900
CIBC Aventura Rewards points
Annual rewards
$636
CIBC Aventura Rewards points
Annual fees:
$139 (First Year Rebated)
Interest rates:
21.99% on purchases • 22.99% on cash advances
This offer is not available for residents of Quebec.
2026 Winner – Best Overall Visa Credit Card
Earn points on all purchases and redeem on travel or statement credits
Details at a glance Collapse details
Welcome bonus
$900
Annual rewards
$636
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$900
+ Annual rewards
$636
- Annual fee (First Year Rebated)
$0
Total first year value
$1536
Annual fees:
$139 (First Year Rebated)
Interest rates:
21.99% on purchases
22.99 on cash advances
This offer is not available for residents of Quebec.
2026 Winner – Best Overall Visa Credit Card
Earn points on all purchases and redeem on travel or statement credits
Details at a glance Collapse details

3. CIBC Aventura® Visa* Card

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$125
+ Annual rewards
$427
- Annual fee
$0
Total first year value
$552
CIBC Aventura® Visa * Card

card image
Welcome bonus
$125
CIBC Aventura Rewards points
Annual rewards
$427
CIBC Aventura Rewards points
Annual fees:
$0
Interest rates:
21.99% on purchases • 22.99% on cash advances
This offer does not apply to customers in Quebec.
One of the top no annual fee travel rewards cards
Redeem points on travel, statement credits and more
Details at a glance Collapse details
Welcome bonus
$125
Annual rewards
$427
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$125
+ Annual rewards
$427
- Annual fee
$0
Total first year value
$552
Annual fees:
$0
Interest rates:
21.99% on purchases
22.99 on cash advances
This offer does not apply to customers in Quebec.
One of the top no annual fee travel rewards cards
Redeem points on travel, statement credits and more
Details at a glance Collapse details

4. CIBC Aventura® Visa* Card for Students

The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$125
+ Annual rewards
$427
- Annual fee
$0
Total first year value
$552
CIBC Aventura® Visa * Card for Students

card image
Welcome bonus
$125
CIBC Aventura Rewards points
Annual rewards
$427
CIBC Aventura Rewards points
Annual fees:
$0
Interest rates:
21.99% on purchases • 22.99% on cash advances
This offer is not available for residents of Quebec.
2026 Winner – Best Card for Students
Points do not expire and can redeemed for travel or statement credits.
Details at a glance Collapse details
Welcome bonus
$125
Annual rewards
$427
The estimated dollar amount of benefits you’ll accumulate based on your monthly spending and rewards preference
+ Welcome bonus
$125
+ Annual rewards
$427
- Annual fee
$0
Total first year value
$552
Annual fees:
$0
Interest rates:
21.99% on purchases
22.99 on cash advances
This offer is not available for residents of Quebec.
2026 Winner – Best Card for Students
Points do not expire and can redeemed for travel or statement credits.
Details at a glance Collapse details

Rates, product information and reward estimates are subject to change at any time and do not constitute financial advice. This post was not sponsored. Rates.ca may receive a referral fee from our partners or affiliate links featured on the site; however, our editorial choices are objective and free from bias. The opinions expressed in this article are purely those of Rates.ca; thus, the credit card issuers and partners are not responsible for any editorials or reviews that may appear. Please visit the associated brand’s website for complete and current terms and conditions on any product or service mentioned. The information in this article is accurate as of the date of this posting, January 28, 2026. Read our full disclaimer.

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