Canada · October 2026
CIBC credit cards
27 cards, ranked by estimated net annual rewards value where the issuer states earn rates.
Earn 1.5 Aeroplan points per $1 on Air Canada, gas, EV charging, groceries and Hyatt, and 1 point per $1 on everything else; free first checked bag.
Earn: base 1 pts · groceries 1.5 pts · gas 1.5 pts · travel 1.5 pts
- Annual fee
- $139 (First-year rebate for primary and up to three authorized users; additional cards $50 each)
- Est. net value / yr
- $657
- Welcome offer
- Up to 50,000 Aeroplan points: 10,000 on first purchase, 15,000 at $6,000 spend in 6 statements, 25,000 anniversary bonus at $12,000 in 12 statements
- 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 1 Aeroplan point per $1 on Air Canada, gas, EV charging, groceries and all other purchases.
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
- $139
- Est. net value / yr
- $618
- Welcome offer
- Up to $2,500 in value including up to 75,000 Aeroplan points
- Purchase rate
- 20.99%
- 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%
Earn 4% cash back on gas, EV charging and groceries, 2% on transportation, dining, recurring payments and Expedia travel, and 1% on everything else.
Earn: base 1% · groceries 4% · gas 4% · dining 2%
- Annual fee
- $120 (First-year fee rebated with offer)
- Est. net value / yr
- $540
- Welcome offer
- Up to $350 value: 10% cash back welcome bonus up to $200 on first $2,000 in 4 statements, $50 for a pre-authorized payment, first-year fee rebate
- Foreign transaction fee
- 2.5%
Earn 3% cash back on gas, EV charging and groceries, 2% on transportation, dining, recurring payments and Expedia travel, and 1% on everything else.
Earn: base 1% · groceries 3% · gas 3% · dining 2%
- Annual fee
- $99 (First-year fee rebated with offer)
- Est. net value / yr
- $453
- Welcome offer
- Up to $300 value: 10% cash back welcome bonus up to $200 on first $2,000 in 4 statements, $50 for a pre-authorized payment, first-year fee rebate
- Foreign transaction fee
- 2.5%
Earn 3% cash back at Costco gas and restaurants, 2% on Costco.ca, shipping, insurance, other gas and EV charging, and 1% on all other purchases.
Earn: base 1% · gas 3% · dining 3%
- Annual fee
- $0 (Requires Costco membership; $0 for up to 9 authorized users)
- Est. net value / yr
- $420
- Welcome offer
- $100 welcome bonus when you spend $3,000 within 120 days
- Foreign transaction fee
- 2.5%
Earn 3% cash back at restaurants and Costco gas, 2% at other gas stations, EV charging and Costco.ca, and 1% on everything else, with no cap.
Earn: base 1% · gas 3% · dining 3%
- Annual fee
- $0 (Requires Costco membership)
- Est. net value / yr
- $420
- Foreign transaction fee
- 2.5%
Earn 1 Aventura point per $1 on travel through the CIBC Rewards Centre, gas, EV charging, groceries and drugstores, and on all purchases (no tiered bonus).
Earn: base 1 pts · groceries 1 pts · gas 1 pts · travel 1 pts
- Annual fee
- $0
- Est. net value / yr
- $390
- Welcome offer
- Earn up to 12,500 Aventura points: 2,500 for five activities within 60 days plus 10,000 at $1,000 spend in first 4 statements
- Foreign transaction fee
- 2.5%
Earn 1 Aventura point per $1 on travel via the CIBC Rewards Centre, gas, EV charging, groceries and drugstores, and on all purchases.
Earn: base 1 pts · groceries 1 pts · gas 1 pts · travel 1 pts
- Annual fee
- $0
- Est. net value / yr
- $390
- Welcome offer
- Up to 12,500 Aventura points: 2,500 for five activities within 60 days plus 10,000 at $1,000 spend in first 4 statements
- Foreign transaction fee
- 2.5%
Earn 2 Aventura points per $1 on travel through the CIBC Rewards Centre, 1.5 on gas, EV charging, groceries and drugstores, and 1 on everything else.
Earn: base 1 pts · groceries 1.5 pts · gas 1.5 pts · travel 2 pts
- Annual fee
- $139 (First year rebated for primary and up to three authorized users (additional cards $50))
- Est. net value / yr
- $368
- Welcome offer
- Up to $1,900 in value including 15,000 Aventura points at $5,000 spend in first 4 statements, annual fee rebate, 4 lounge visits and NEXUS rebate
- Foreign transaction fee
- 2.5%
Earn 2 Aventura points per $1 on travel through the CIBC Rewards Centre, 1.5 on gas, EV charging, groceries and drugstores, and 1 on everything else.
Earn: base 1 pts · groceries 1.5 pts · gas 1.5 pts · travel 2 pts
- Annual fee
- $139 (First year rebated; additional cards $50 each (up to 3))
- Est. net value / yr
- $368
- Welcome offer
- Apply and earn up to $1,900 in value (details on page)
- Foreign transaction fee
- 2.5%
Earn 2 Aeroplan points per $1 on Air Canada and Hyatt, 1.5 on gas, EV charging, groceries, travel and dining, and 1.25 on everything else; Maple Leaf Lounge access and first bag free.
Earn: base 1.25 pts · groceries 1.5 pts · gas 1.5 pts · dining 1.5 pts · travel 2 pts
- Annual fee
- $599
- Est. net value / yr
- $338
- Welcome offer
- Up to 100,000 Aeroplan points: 10,000 at $1,000 in 2 statements, 40,000 at $5,000 in 4 statements, 50,000 anniversary bonus at $25,000 in 12 statements
- Foreign transaction fee
- 2.5%
Earn 2 Aventura points per $1 on travel via the CIBC Rewards Centre, 1.5 on gas, EV charging, travel and transportation, and 1 on other purchases.
Earn: base 1 pts · gas 1.5 pts · travel 2 pts
- Annual fee
- $139 (Two options: $139 at 20.99% or $180 at lower rate; additional cards $50 each (up to 9))
- Est. net value / yr
- $313
- Welcome offer
- Earn up to $2,200 in value including annual fee rebate for the first 2 years
- Purchase rate
- 20.99% ($139 fee option); as low as 12.99% ($180 fee option)
- Foreign transaction fee
- 2.5%
Earn 2 Aventura points per $1 on travel via the CIBC Rewards Centre, 1.5 on gas, EV charging, travel, transportation and parking/tolls/truck rentals, and 1 on other purchases.
Earn: base 1 pts · gas 1.5 pts · travel 2 pts
- Annual fee
- $139 (Additional cards $50 each (up to 15))
- Est. net value / yr
- $313
- Welcome offer
- Earn up to $2,200 in value including annual fee rebate for the first 2 years
- Purchase rate
- 20.99%
- Foreign transaction fee
- 2.5%
Earn 2% cash back on groceries, 1% on gas, EV charging, transportation, dining and recurring payments, and 0.5% on everything else.
Earn: base 0.5% · groceries 2% · gas 1% · dining 1%
- Annual fee
- $0
- Est. net value / yr
- $306
- Foreign transaction fee
- 2.5%
Earn 2% cash back on groceries, 1% on gas, EV charging, transportation, recurring payments and Expedia travel, and 0.5% on everything else.
Earn: base 0.5% · groceries 2% · gas 1%
- Annual fee
- $0
- Est. net value / yr
- $288
- Welcome offer
- Up to $125 cash back: $25 after first purchase plus 10% bonus up to $100 on first $1,000 in 4 statements
- Foreign transaction fee
- 2.5%
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%
Charged in U.S. dollars with no currency conversion fees on USD purchases; earn 1 Aventura point per $1 on travel via the Rewards Centre and 1 point per $2 on other purchases.
Earn: base 0.5 pts · travel 1 pts
- Est. net value / yr
- $218
- Welcome offer
- Up to 2,500 Aventura points (500 per activity within 60 days) and first-year annual fee rebate
- Foreign transaction fee
- 2.5%
Earn 3 Aventura points per $1 on travel through the CIBC Rewards Centre, 2 on dining, entertainment, transportation, gas, EV charging and groceries, and 1.25 on everything else.
Earn: base 1.25 pts · groceries 2 pts · gas 2 pts · dining 2 pts · travel 3 pts
- Annual fee
- $499
- Est. net value / yr
- $211
- Welcome offer
- Earn up to $2,600 in value: 25,000 points at $6,000 spend in first 4 statements, 30,000 anniversary bonus at $25,000 in 12 statements, plus travel credit and lounge visits
- Foreign transaction fee
- 2.5%
- #23
CIBC bizline Visa Card CIBC
Low-rate business card with interest as low as CIBC Prime plus 2.5% (same rate on purchases and cash); no rewards.
- Annual fee
- $0 ($0 for up to 9 additional cards)
- Purchase rate
- As low as CIBC Prime plus 2.5%
- Foreign transaction fee
- 2.5%
- #24
CIBC Classic Visa Card CIBC
No-annual-fee basic card with 90-day purchase protection and no rewards.
- Annual fee
- $0
- Foreign transaction fee
- 2.5%
No-annual-fee student card with 90-day purchase protection and no rewards.
- Annual fee
- $0
- Foreign transaction fee
- 2.5%
Business expense-management card with Visa Business Reporting and no rewards.
- Annual fee
- $20 ($20 per card)
- Purchase rate
- 20.99%
- Foreign transaction fee
- 2.5%
- #27
CIBC Select Visa Card CIBC
Low-interest card with no rewards; 0% on balance transfers for up to 10 months with 1% fee.
- Annual fee
- $29 (First-year fee rebated with offer)
- Welcome offer
- 0% balance transfer for up to 10 months (1% fee) and first-year annual fee rebate
- Balance transfers
- 0% interest for up to 10 months on balance transfers of $100+ with 1% transfer fee; first-year annual fee rebate
- 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.