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CIBC credit cards


CIBC offers a wide variety of credit cards tailored to fit your individual needs. Exclusive benefits include competitive interest rates, cash-back rewards, travel rewards, and more. Apart from these, CIBC provides special features that help you manage your credit card account, together with the tools and information necessary for making important credit decisions.

CIBC’s “everyday” cards include the Visa Classic, Visa Select, Visa Bizline, Visa Aero Classic, and Visa Platinum. The Visa Classic is an excellent everyday choice for travel and shopping. You need a minimum annual household income of $15,000 to qualify. There is no annual fee. With the Visa Select, you get all the buying power and advantages of a credit card at a very low interest rate. This is a great choice compared to some department store credit cards, where the interest rates reach a whopping 29 percent a year.

If you want to sign up for the Visa Bizline, keep in mind that the eligibility requirements are much higher. To qualify for this one, you must be a Canadian resident who has been operating his or her own business for the previous four months. You must be of legal age, and your total annual household income has to be at least $35,000. Your application will not be approved if you have declared bankruptcy in the past seven years. The interest rate is set as low as the CIBC prime plus 1.5 percent, and the minimum credit limit is $5000. Clients can request up to nine additional cards free-of-charge.

The Aero Classic Visa card lets you earn free miles as you charge everyday purchases to it. You get one mile for every two dollars you spend. This product comes with an interest rate of 19.5 percent, annual fee of $29, up to three additional cards, and minimum credit limit of $500. Likely applicants have an annual household income of $15,000 or more. The Visa Platinum, oddly enough, does not have an annual fee. The requirement for a household income of at least $35,000 stands, and applicants should not have declared bankruptcy in the last seven years.

Among the CIBC’s travel cards are the Aerogold Visa, Aerogold Visa for Business, Visa Infinite, and Aventura Visa Infinite. Holders of the Aerogold Visa have the opportunity to travel to almost any destination worldwide. They earn one Aeroplan mile per $1 spent. The interest rate is again 19.5 percent, and the annual fee is set at $120. Additional cards cost $50 per year, and the minimum credit limit is $5000. The Aerogold Visa for Business is perfectly tuned to the needs of small businesses and also offers one free mile per dollar charged to the card. In addition, the Aerogold Business offers a credit line.

The Infinite series is a top-end product gamut. The opportunities to earn rewards are practically endless if you have the CIBC Dividend Visa Infinite Card, but the eligibility requirements are a bit steep. They include, among other things, a total annual household income of at least $100,000 or a personal income of $60,000 or more. The Visa Infinite goes with an annual fee of $79, interest rate of 19.5 percent, and a minimum credit limit of $5000. Additional cards cost $30 per year, and clients can request up to three more cards.



CIBC credit card reviews and credit card application details.

NameTypeInterest RateAnnual Fee
CIBC Classic VISAVisa19.99%$0
CIBC Select VISAVisa11.99%$29
CIBC Dividend CardVisa19.9%$0
CIBC Dividend Platinum VISA CardVisa19.9%$79
CIBC Aerogold VISA cardVisa19.9%$120
CIBC Aero Classic VISA cardVisa19.99%$29
CIBC Gold VISA cardVisa19.99%$99
CIBC Aventura Gold VISA cardVisa19.99%$120
CIBC U.S. Dollar Visa cardVisa19.99%$35
CIBC Classic VISA Card for StudentsVisa19.99%$0
CIBC Aerogold VISA Card for BusinessVisa10.9%$180