Canada · business card · CIBC
CIBC bizline Visa Card review
Low-rate business card with interest as low as CIBC Prime plus 2.5% (same rate on purchases and cash); no rewards.
Key facts
- Issuer
- CIBC
- Network
- Visa
- Annual fee
- $0 ($0 for up to 9 additional cards)
- Purchase rate
- As low as CIBC Prime plus 2.5%
- Cash advance rate
- As low as CIBC Prime plus 2.5%
- Foreign transaction fee
- 2.5%
- Minimum personal income
- $15,000
- Minimum household income
- Not stated
- Available in Quebec
- Not stated
Perks
Credit limit up to $50,000 (per card list); CreditSmart tracking tool; Visa SavingsEdge
How we put this page together
Every figure here was read on CIBC’s own page on October 7, 2026; fields the page did not state are shown as “not stated” rather than estimated. The net value estimate uses the method on our Canada methodology. Card rules and your rights as a cardholder: FCAC. Note: FX fee not stated. Card list shows Prime plus 1.5% headline and card page shows Prime plus 2.5%; page value used. FX fee read on issuer document: https://www.cibc.com/content/dam/cibc-public-assets/personal-banking/credit-cards/documents/form-business-credit-card-summary-of-annual-interest-rates-and-fees-13552-en.pdf
Frequently asked questions
What is the annual fee on the CIBC bizline Visa Card?
$0 ($0 for up to 9 additional cards), as read on CIBC’s website on October 7, 2026.
Is there a foreign transaction fee on the CIBC bizline Visa Card?
The issuer states a 2.5% foreign currency conversion fee.
What income do I need for the CIBC bizline Visa Card?
The issuer states a minimum personal income of $15,000.
More CIBC cards
Earns 1.5 Adapta points per $1 in your top three spend categories each month, 2 points per $1 on travel via CIBC by Expedia, and 1 point per $1 on everything else.
Earn: base 1 pts · travel 2 pts
- Annual fee
- $0
- Est. net value / yr
- $280
- Welcome offer
- Join and earn up to $200 in value; includes 3,000 Adapta points at $1,000 spend in first 4 statements and roadside assistance membership
- Foreign transaction fee
- 2.5%
Earns 1.5 Adapta points per $1 in your top three spend categories each month, 2 points on travel via CIBC by Expedia, and 1 point per $1 on everything else.
Earn: base 1 pts · travel 2 pts
- Annual fee
- $0
- Est. net value / yr
- $280
- Welcome offer
- Join and earn up to $280 in value with no annual fee
- Foreign transaction fee
- 2.5%
Earn 1 Aeroplan point per $1 on Air Canada, gas, EV charging, groceries and all other purchases; earn points twice at Aeroplan partners.
Earn: base 1 pts · groceries 1 pts · gas 1 pts · travel 1 pts
- Annual fee
- $0
- Est. net value / yr
- $642
- Welcome offer
- Up to 10,000 Aeroplan points: 2,500 on first purchase, 2,500 at $1,500 in 4 statements, 5,000 anniversary bonus at $10,000 in 12 statements
- Foreign transaction fee
- 2.5%
Earn 2 Aeroplan points per $1 on Air Canada and Hyatt, 1.5 on travel, transportation, dining, shipping, internet, cable and phone, and 1 on other purchases.
Earn: base 1 pts · dining 1.5 pts · travel 2 pts
- Annual fee
- $180 (First year rebated; additional cards $50 each (up to 9))
- Est. net value / yr
- $577
- Welcome offer
- Up to $2,600 in value including up to 75,000 Aeroplan points
- Purchase rate
- As low as 12.99%
- Foreign transaction fee
- 2.5%
Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.