CIBC listed 20 personal credit cards in its Credit Card Finder on September 29, 2026: Aventura travel cards (CIBC's own points), Aeroplan cards (Air Canada's program), Dividend cash back cards, Adapta Mastercards that reward your top spending categories, the Costco Mastercard, student versions, a U.S. dollar card, the low-rate Select Visa and the basic Classic Visa. Every CIBC card with a current welcome offer is in the card list below, with its annual fee and earn rates.
Income range
No minimum on CIBC's student cards; $15,000 household on cards such as the Dividend Visa, Aventura Visa, Aeroplan Visa, Aventura Gold and Dividend Platinum; $60,000 individual or $100,000 household on Visa Infinite cards; $150,000 individual or $200,000 household on Visa Infinite Privilege cards
Credit score
Not stated in the offer terms we track. Approval is based on CIBC's own credit review.
Best for
Air Canada flyers (Aeroplan cards), travellers who want CIBC's own travel points (Aventura), grocery and gas spenders who prefer cash back (Dividend), Costco members, students, and existing CIBC clients who'd like their card at the same bank
All 16 CIBC cards we track.
CIBC card lineup
CIBC Aeroplan Visa Infinite
Up to 50,000 Aeroplan points + first-year annual fee rebate
Tiered bonus for newly approved accounts (applications approved beginning July 16, 2026). You get 10,000 Aeroplan points after your first purchase. You get 15,000 more if you have at least $6,000 in net purchases posted during the first 6 monthly statement periods. A 25,000-point anniversary bonus follows if you have at least $12,000 in net eligible purchases posted during the first 12 monthly statement periods, paid within 8 weeks after the one-year account open date. The account must be open and in good standing. There is also a one-time first-year annual fee rebate for the primary cardholder and up to 3 authorized users added at application. Transfers and product changes from other CIBC cards are excluded. You may not qualify if you previously received an Aeroplan credit card welcome bonus of the same card category from CIBC or any other issuer. Minimum income is $60,000 individual or $100,000 household.
Up to 60,000 Aventura Points + first-year annual fee rebate
15,000 Aventura Points after your first purchase, 30,000 more with at least $3,000 in net purchases and another 15,000 with at least $5,000 in net purchases posted in the first 4 monthly statement periods. One-time first-year annual fee rebate for the primary cardholder and up to 3 authorized users added at application. Earns 2 points per $1 on eligible travel booked through the CIBC Rewards Centre and 1.5 points per $1 on eligible gas, EV charging, grocery and drugstore purchases. Transfers and product changes from other CIBC cards are excluded, and you're not eligible if you opened, transferred or cancelled another Aventura card in the last 12 months. Minimum income is $60,000 individual or $100,000 household.
10% cash back up to $200 + $50 bonus + first-year annual fee rebate
10% cash back on net purchases up to $2,000 in your first 4 statements (up to $200), plus $50 cash back for setting up one pre-authorized payment within the first 4 monthly statements, plus a first-year annual fee rebate. Earns 4% cash back on eligible gas, EV charging and groceries and 2% on eligible transportation, dining, recurring payments and CIBC by Expedia travel. Not available if you opened, transferred or cancelled another Dividend card in the last 12 months. Minimum income is $60,000 individual or $100,000 household.
10,000 Aeroplan points when you spend $1,000 in your first 2 monthly statement periods, 40,000 when you spend $5,000 in your first 4, and a 50,000-point anniversary bonus with at least $25,000 in net eligible purchases in the first 12. Earns 2 points per $1 directly with Air Canada and Air Canada Vacations and 1.5 points per $1 on eligible gas, EV charging, groceries, travel and dining. Includes Maple Leaf Lounge access and a free first checked bag, per CIBC's page. No first-year fee rebate is listed. Transfers and product changes from other CIBC cards are excluded. You may not qualify if you previously received an Aeroplan credit card welcome bonus of the same card category from CIBC or any other issuer. Minimum income is $150,000 individual or $200,000 household.
Up to 80,000 Aventura Points + $200 annual travel credit
25,000 Aventura Points when you spend $3,000 and 25,000 when you spend $6,000 in the first 4 monthly statement periods, plus a 30,000-point anniversary bonus with at least $25,000 in net eligible purchases in the first 12 monthly statement periods. CIBC's offer footnote describes the first 50,000 points as paid with at least $6,000 in net purchases posted in the first 4 monthly statement periods. Earns 3 points per $1 on eligible travel booked through the CIBC Rewards Centre and 2 points on eligible dining, transportation, gas, EV charging and groceries. No first-year fee rebate is listed. Not available if you opened, transferred or cancelled another Aventura card in the last 12 months. Minimum income is $150,000 individual or $200,000 household.
Up to 60,000 Aventura Points + first-year annual fee rebate
Same offer as the Aventura Visa Infinite: 15,000 Aventura Points after your first purchase, 30,000 more with at least $3,000 and another 15,000 with at least $5,000 in net purchases posted in the first 4 monthly statement periods, plus a first-year annual fee rebate. Earns 2 points per $1 on eligible travel booked through the CIBC Rewards Centre and 1.5 points per $1 on eligible gas, EV charging, grocery and drugstore purchases. Not available if you opened, transferred or cancelled another Aventura card in the last 12 months. Minimum household income is $15,000.
10% cash back up to $200 + $50 bonus + first-year annual fee rebate
10% cash back on net purchases up to $2,000 in your first 4 statements (up to $200), plus $50 cash back for setting up one pre-authorized payment within the first 4 monthly statements, plus a first-year annual fee rebate. Earns 3% cash back on eligible gas, EV charging and groceries and 2% on eligible transportation, dining, recurring payments and CIBC by Expedia travel. Not available if you opened, transferred or cancelled another Dividend card in the last 12 months. Minimum household income is $15,000.
For cards approved beginning October 1, 2026: 3,000 Adapta points when you make your first purchase within the first 4 monthly statement periods, and 3,000 more with at least $1,000 in net purchases posted in the first 4 monthly statement periods. This replaced the offer of up to 15,000 points that CIBC's page showed on September 29, 2026. Earns 1.5 points per $1 in your top 3 spend categories each month, 2 points per $1 on CIBC by Expedia travel and 1 point per $1 on everything else. Transfers from an existing CIBC credit card are excluded, and you're not eligible if you opened, transferred or cancelled another Adapta card in the last 12 months. Minimum household income is $15,000.
2,500 Aventura Points for completing five activities within 60 days of approval, plus 10,000 more with at least $1,000 in net purchases posted in the first 4 monthly statement periods. Earns 1 point per $1 on eligible travel booked through the CIBC Rewards Centre and on eligible gas, EV charging, grocery and drugstore purchases. Not available if you opened, transferred or cancelled another Aventura card in the last 12 months. Minimum household income is $15,000.
2,500 Aeroplan points after your first purchase, 2,500 when you spend $1,500 in the first 4 monthly statement periods, and a 5,000-point anniversary bonus with at least $10,000 in net purchases in the first 12 monthly statement periods. Earns 1 point per $1 directly with Air Canada and Air Canada Vacations and on eligible gas, EV charging and groceries. Transfers and product changes from other CIBC cards are excluded. You may not qualify if you previously received an Aeroplan credit card welcome bonus of the same card category from CIBC or any other issuer. Minimum household income is $15,000.
$25 cash back after your first purchase and 10% cash back on net purchases up to $1,000 (up to $100), both within the first 4 monthly statements. Earns 2% cash back on eligible groceries and 1% on eligible gas, EV charging, transportation, recurring payments and CIBC by Expedia travel. Not available if you opened, transferred or cancelled another Dividend card in the last 12 months. No minimum income; credit limits up to $5,000 for Canadian students and up to $2,000 for international students.
For cards approved beginning October 1, 2026: 3,000 Adapta points when you make your first purchase within the first 4 monthly statement periods, 9,000 more with at least $1,000 in net purchases posted in the first 4 monthly statement periods, and 3,000 for setting up one recurring bill payment within the first 4 monthly statements. The $75 digital Skip gift card that CIBC's page showed with this offer on September 29, 2026 is no longer listed. Earns 1.5 points per $1 in your top 3 spend categories each month, 2 points per $1 on CIBC by Expedia travel and 1 point per $1 on everything else. Transfers from an existing CIBC credit card are excluded, and you're not eligible if you opened, transferred or cancelled another Adapta card in the last 12 months. No minimum income.
2,500 Aventura Points for completing five activities within 60 days of approval, plus 10,000 more with at least $1,000 in net purchases posted in the first 4 monthly statement periods. Earns 1 point per $1 on eligible travel booked through the CIBC Rewards Centre and on eligible gas, EV charging, grocery and drugstore purchases. Not available if you opened, transferred or cancelled another Aventura card in the last 12 months. No minimum income.
2,500 Aeroplan points after your first purchase, 2,500 when you spend $1,500 in the first 4 monthly statement periods, and a 5,000-point anniversary bonus with at least $10,000 in net purchases in the first 12 monthly statement periods. Earns 1 point per $1 directly with Air Canada and Air Canada Vacations and on eligible gas, EV charging and groceries. Transfers and product changes from other CIBC cards are excluded. You may not qualify if you previously received an Aeroplan credit card welcome bonus of the same card category from CIBC or any other issuer. No minimum income.
Up to 2,500 Aventura Points + first-year fee rebate (annual fee US$35)
500 Aventura Points for each of five activities completed within 60 days of approval (sharing your email, eStatements, adding an authorized user, holding an eligible CIBC chequing account, adding the card to a mobile wallet), plus a first-year annual fee rebate. CIBC's page also describes an annual fee rebate for cardholders who hold a premium CIBC personal credit card and a CIBC US$ Personal Account or CIBC Bank USA Smart Account. Billed in U.S. dollars with no currency conversion fees on USD purchases. Earns 1 point per $1 on eligible CIBC Rewards Centre travel and 1 point per $2 on everything else. Not available if you opened, transferred or cancelled another Aventura card in the last 12 months. Minimum household income is $15,000.
0% on balance transfers for up to 10 months (1% fee) + first-year annual fee rebate
Transfer a credit card balance of $100 or more when you apply online: 0% interest for up to 10 months with a 1% transfer fee, on up to 50% of your assigned credit limit, plus a first-year annual fee rebate. CIBC notes that a promotional balance means you lose the interest-free grace period on new purchases unless you pay the full amount due each month. Minimum household income is $15,000.
CIBC's personal cards fall into five families. Aventura cards earn points in CIBC's own travel program, booked through the CIBC Rewards Centre (CIBC by Expedia). Aeroplan cards earn points in Air Canada's program. Dividend cards pay cash back, with their top rates on groceries (and on gas and EV charging for the Platinum and Visa Infinite). Adapta Mastercards give bonus points in your top three spending categories each month without you choosing them. The Costco Mastercard is for Costco members only. The Aventura, Aeroplan and Dividend families each have a no-annual-fee card plus pricier Gold, Platinum, Visa Infinite or Visa Infinite Privilege versions with bigger welcome offers and higher earn rates. The Visa Infinite and Visa Infinite Privilege cards also have higher income minimums, while the Aventura Gold and Dividend Platinum keep the same $15,000 household minimum as the no-fee cards. Choosing among CIBC credit cards comes down to three questions: which reward you want (Aeroplan points for Air Canada, Aventura points, or cash back), whether your normal spending clears the offer's targets without extra purchases, and whether your income meets the card's minimum. Welcome offers on the Aeroplan cards and the premium Aventura card are tiered, with part of the points paid only after the first year. CIBC's dollar figures for points are best cases or estimates, and its Aeroplan terms say Aeroplan points have no cash value. Four personal cards had no welcome offer on CIBC's site on September 29, 2026 and aren't in the card list: the Dividend Visa, the Costco Mastercard, the Classic Visa and the Classic Visa for Students.
Best for
Air Canada flyers (Aeroplan cards), travellers who want CIBC's own travel points (Aventura), grocery and gas spenders who prefer cash back (Dividend), Costco members, students, and existing CIBC clients who'd like their card at the same bank
Not for
Anyone switching from another CIBC card (the Aeroplan, Aventura, Dividend and Adapta welcome offers exclude transfers from other CIBC cards), anyone who opened, transferred or cancelled an Aventura, Dividend or Adapta card in the last 12 months (not eligible for a welcome offer on another card in the same family), and anyone who already got an Aeroplan welcome bonus on the same card category from any issuer
The best CIBC credit card depends on the reward you want. For Air Canada flights, the Aeroplan Visa Infinite is the mid-tier card, the Aeroplan Visa has no annual fee, and the Aeroplan Visa Infinite Privilege adds Maple Leaf Lounge access for a $599 fee. For CIBC's Aventura travel points, the Aventura Visa Infinite and Aventura Gold share one welcome offer. For cash back, the Dividend Visa Infinite and Dividend Platinum pay their top rates on groceries, gas and EV charging. The no-fee options are the Dividend Visa, Aventura Visa, Aeroplan Visa, Adapta Mastercard and, for Costco members, the Costco Mastercard.
How many credit cards does CIBC have?
CIBC's Credit Card Finder listed 20 personal credit cards on September 29, 2026, plus 7 business cards. Five of the personal cards are student versions. The card list on this page shows every personal card that had a welcome offer on CIBC's site that day (for the Select Visa, a balance transfer offer). The Dividend Visa, Costco Mastercard, Classic Visa and Classic Visa for Students had no welcome offer, so they're described in the text instead.
Which CIBC credit cards have no annual fee?
On CIBC's site, the Aventura Visa, Aeroplan Visa, Dividend Visa, Adapta Mastercard, Costco Mastercard and Classic Visa have no annual fee, and so do the student versions of the Aventura, Aeroplan, Dividend, Adapta and Classic cards. The Aeroplan Visa Infinite, Aventura Visa Infinite, Aventura Gold, U.S. Dollar Aventura Gold, Dividend Visa Infinite, Dividend Platinum and Select Visa charge a fee but rebate it in the first year under their current offers.
Does CIBC have a Costco credit card?
Yes. CIBC issues the Costco Mastercard, which CIBC says is exclusively for Costco members and has no annual fee. It pays cash back, with its highest rates at restaurants and Costco gas. CIBC's page listed no welcome offer for it on September 29, 2026, so it isn't in the card list above. Costco warehouses in Canada accept Mastercard as their only credit card, so it works there.
Which CIBC credit card is best for students?
CIBC has five student cards: the Adapta Mastercard, Dividend Visa, Aventura Visa, Aeroplan Visa and Classic Visa for Students. None has an annual fee or a minimum income, and CIBC's pages say Canadian students can get a credit limit of up to $5,000 and international students up to $2,000. The Dividend card pays cash back, the Adapta and Aventura cards earn points in CIBC's own Adapta and Aventura programs, the Aeroplan card earns Aeroplan points, and CIBC lists purchase protection rather than a rewards earn rate for the Classic.
What is CIBC Aventura vs Aeroplan?
Aventura is CIBC's own rewards program, earned on its Aventura cards and redeemed for travel booked through the CIBC Rewards Centre (CIBC by Expedia). CIBC Aeroplan cards earn Aeroplan points, which belong to Air Canada's loyalty program. If most of your flying is with Air Canada, Aeroplan points are the more direct fit; if you'd rather stay within CIBC's own program, Aventura is the alternative.
What is the CIBC Aeroplan welcome bonus?
Each Aeroplan card's current offer and conditions are in the card list on this page, taken from CIBC's product pages. The offers are paid in stages: points after a first purchase or an early spending target, more after a larger spending target, and an anniversary bonus after a year of spending. CIBC's dollar estimate uses past flight redemptions, and CIBC says Aeroplan points have no cash value, so treat any dollar figure as an estimate.
Do I need to bank with CIBC to get a CIBC credit card?
The offer terms we track don't list a CIBC bank account as a requirement, although holding an eligible CIBC chequing account is one of five bonus activities on the U.S. Dollar Aventura Gold offer, and CIBC's pages say a CIBC Smart Account may make you eligible for annual fee rebates. The Aeroplan Visa Infinite, Aventura Visa Infinite and Aventura Gold offers exclude transfers and product changes from other CIBC cards, and you may not qualify for an Aeroplan bonus if you've already received one on the same category of card from CIBC or another issuer.
Does CIBC own Simplii Financial?
Yes. Simplii Financial says it is a trade name of CIBC, and CIBC is a CDIC member.