2025'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 2025: Best Overall CIBC Card
On RATESDOTCA, you can instantly compare CIBC’s top credit card offerings to find the perfect card for your lifestyle.
| First-year value* | Credit score required | Top features | |
|---|---|---|---|
| $832 | Excellent | Earn 4% cash back on eligible gas and grocery purchases. Includes travel coverage and mobile device insurance. | |
| $1,536 | Excellent | Earn 1x points on eligible gas and grocery purchases. Includes complimentary shopping insurance. | |
| $527 | Good | Earn 1x points on eligible gas and grocery purchases. Includes complimentary shopping insurance. | |
| $527 | Good | Earn 1x points on eligible gas and grocery purchases. Includes complimentary shopping insurance. |
*The RATESDOTCA 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.
Annual fee:
$120 (First year rebated)
Interest rate:
- Purchases: 20.99%.
- Cash Advance: 22.99% (21.99% for QC residents)
- Balance Transfer: 22.99%
Rewards:
- Earn 4% cash back on gas, EV charging and grocery purchases.
- Earn 2% cash back on transportation, dining and recurring bill payments.
- Earn 1% cash back on all other purchases.
Earning potential
How does this card stack up to other rewards credit cards? We crunched the numbers using our Best of Finance methodology to see how much an average Canadian could earn over a 12-month period.
Rewards earned over a 12-month period + Welcome Bonus = $582 + $250 = $832
Annual fee = 120 (first year rebated)
Total earned over a 12-month period (rewards minus annual fee) = $832
Benefits
- Save on gas with CIBC and Journie Rewards. Link and use your CIBC Dividend® Visa Infinite* Card with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.
Insurance coverage
- Purchase Protection - 90 days
- Extended Warranty - 1 year
- Emergency Medical - 10 days
- Common Carrier Accident - $500,000
- Rental Car Collision and Loss Damage Insurance
- Mobile Device - $1,000
Runners-up: Best Overall CIBC Card
2. CIBC Aventura® Visa Infinite*
The CIBC Aventura® Visa Infinite* is a travel rewards credit card. This card has everything a traveller needs to move through an airport swiftly and save some cash, from travel insurance to airport lounge access and a NEXUS application fee rebate. You can also use the Visa Infinite* program and access amazing benefits, including luxury upgrades and complimentary breakfast at over 900 hotel properties worldwide. Best of all, cardholders can redeem Aventura Points for the total cost of airfare, including taxes and fees.
According to our Best of Finance methodology, the average Canadian could earn around $1,536 in rewards in the first year.
Annual fee:
$139 (First year rebated)
Interest rate:
- Purchase – 20.99%
- Cash Advance – 22.99% (21.99% for QC residents)
- Balance Transfer – 22.99%
Rewards:
- Earn two points for every $1 spent on travel through the CIBC Rewards Centre.
- Earn 1.5 points for every $1 spent at eligible gas stations, EV charging, grocery stores and drugstores.
- Earn one point for every $1 spent on all other purchases.
3. CIBC Aventura® Visa* Card
The CIBC Aventura® Visa* Card offers you rewards points with every purchase, allowing you to quickly rack up rewards. The card also features basic travel insurance, a feature rarely found on a no-fee card and the Aventura Travel Assistant for personalized travel planning with no booking fees.
According to our Best of Finance methodology, the average Canadian would earn around $527 in rewards in the first year.
Annual fee:
$0
Interest rate:
- Purchase – 20.99%
- Cash Advance – 22.99% (21.99% for QC residents)
- Balance Transfer – 22.99%
Rewards:
- Earn one point for every $1 spent on gas, EV charging, grocery and drugstore purchases.
- Earn one point for every $1 spent on travel through the CIBC Rewards Centre.
- Earn one point for every $2 spent on all other purchases.
4. CIBC Aventura® Visa* Card for Students
The CIBC Aventura® Visa* Card for Students offers you points on your everyday purchases, such as gas and groceries. Best of all, you can redeem your points for statement credit, gift cards, travel rewards and much more. If you’re a student looking for a no annual fee credit card but would still like to earn great rewards to save even more money, look no further.
According to our Best of Finance methodology, the average Canadian could earn around $527 in points the first year.
Annual fee:
$0
Interest rate:
- Purchase – 20.99%
- Cash Advance – 22.99% (21.99% for QC residents)
- Balance Transfer – 22.99%
Rewards:
- Earn one point for every $1 spent on gas, EV charging, grocery and drugstore purchases.
- Earn one point for every $1 spent on travel through the CIBC Rewards Centre.
- Earn one point for every $2 spent on all other purchases.
Rates, product information and reward estimates are subject to change at any time and do not constitute financial advice. This post was not sponsored. RATESDOTCA 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 RATESDOTCA; 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 31, 2025. Read our full disclaimer.
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