Before declining the rental agency's CDW or LDW, you should read carefully and compare the terms of the rental agreement, the CLDI insurance certificate in your card package and any other insurance you own to decide which coverage best meets your protection needs. All accumulated cash back is automatically redeemed on the last day of the December statement, resulting in your cash-back balance being reset to zero, and applied as a credit on your next statement or, in limited circumstances, at such other time as may be permitted by CIBC. Learn moreabout this low introductory rate. Get a first-year annual-fee rebate. The $200,000 limit will reset to zero after the day your December statement is printed. The first is CIBC's flagship cash back card, The CIBC Dividend Visa Infinite Card. The CIBC Dividend Visa Infinite Card offers a full suite of travel benefits and a decent return on cash back. This offer is not transferable. If you do not pay your required payment by the payment due date in any month during the promotional period, you will lose the benefit of this promotional interest rate offer and, effective the first day of the next monthly statement period, the regular annual interest rate for purchases will apply to any remaining purchase amounts. Effective February 1, 2021, the primary cardholder annual fee for the CIBC Dividend Visa Infinite Card will increase to $120. This offer applies for the first year only. Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Dividend® Visa Infinite* Card and CIBC Dividend Platinum® Visa* Card are excluded. 3684 0 obj <> endobj 3699 0 obj <>/Filter/FlateDecode/ID[<6236C00EEBD246AAB4230BDE659BE735>]/Index[3684 35]/Info 3683 0 R/Length 84/Prev 297397/Root 3685 0 R/Size 3719/Type/XRef/W[1 2 1]>>stream You must apply and be approved for a new eligible card … †. For the Aventura Visa Infinite Privilege Card, earn 3 Aventura Points for every dollar charged to the card on CIBC Rewards Centre travel purchases other than taxes, insurance, service charges or similar items. If you qualify, the rebate will be awarded to you and will appear as a credit against the applicable annual fee(s) within two statements. TABLE OF CONTENTS . Auto Rental Collision and Loss Damage Insurance (CLDI) is available for automobile rentals of up to 48 days. ‡ CIBC Pace It™ Installment Plans allow primary cardholders to convert posted eligible Card Transaction(s) to monthly installment payments (including interest) over a fixed period of time. This card was already quite good - in fact we … I just signed up for this card because it is giving the first year’s annual fee of $99 for free ($0), and 10… † Plus, get a 10.99% introductory interest rate on all purchases until August 2021. Opens in a pop up window. † Conditions apply Learn more about the CIBC Dividend Visa Infinite … There is less than one week left to grab the CIBC Dividend Visa Infinite or the CIBC Dividend Platinum Visa Cards with their 10% cash back welcome bonus. CIBC Dividend ® Visa Infinite* Card. The cash back is accumulated each month, beginning with the January Visa statement, and awarded at the end of the year as a credit on the December statement or, in limited circumstances, at such other time as may be permitted by CIBC. Starting the first day of the period covered by your August 2021 monthly statement, your purchase interest rate will be increased to the regular purchase interest rate of 19.99%. Press Release CIBC Dividend Visa Infinite Card named Canada's top cash back card Published: Sept. 22, 2020 at 8:00 a.m. There are no transaction fees and you won’t be charged interest, as long as you pay your balance by the payment due date.11, Some purchases can’t wait. northyorkcentre wrote: ↑ Hey I applied online, and have begun using the CIBC Dividend Visa Card. Canadian Promotion: CIBC Dividend Infinite Visa – 10% Cashback up to $2K. ($1,000 per insured person to a maximum of $2,500 per claim for the CIBC Aerogold® Visa Infinite … We may make special offers, including offers to earn cash back on CIBC Global Money Transfers™, which may be for a limited period and contain additional terms and conditions. The $80,000 limit and the $20,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchants and merchant categories may change without notice. Cash advances bear interest from the date they are taken from your credit card account and are subject to available credit and available cash. If you supply your email address, an application status email will be sent as soon as the technology issues are resolved. Get cash back when you send a CIBC Global Money Transfer™, 10. This includes personalizing CIBC content on our mobile apps, our website and third-party sites and apps. You can earn 4% cash back on eligible gas and groceries purchases. To learn about which coverage(s) are included with a specific card, and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, go to Agreements and Insurance and review the insurance certificate(s) in your card package. Get up to $3,000 when you get a mortgage with CIBC.†. Digital exclusive offer: Get a $100 Amazon.ca Gift Card† and pay no monthly fee for up to 12 months‡ with a CIBC Smart™ Account. Are you sure you want to delete this saved card number? If your application for an eligible card is not approved, you may be considered for another card (as disclosed in your credit card application). CIBC Dividend Visa Infinite - Get 10% cash back for 4 statements on total purchases of $2,000 and FYF (Net gain=$200) CIBC Dividend Visa Platinum - Same offer as Infinite, also FYF, but the income … Select to show or hide answer. Start paying for the big things that matter at a pace you choose.‡, Out-of-Province Emergency Travel  Medical Insurance, Purchase Security and Extended Protection Insurance, $500,000 Common Carrier Accident Insurance, Auto Rental Collision and Loss Damage Insurance, Read full Benefits Guide, Cardholder Agreement and Insurance Certificates. CIBC gave it to her as a replacement for the CIBC … Cash back will be credited to the Primary Cardholder’s account. Summary of Benefits 2 Out-of-Province Emergency Travel Medical Insurance … Please see Overview and Advice. 8 CIBC Payment Protector Insurance for Credit Cards is optional creditor’s group insurance underwritten by Canadian Premier Life Insurance Company under a group policy issued to CIBC as group policyholder. The 4% and 2% cash-back offers are only available on the first $80,000 in net annual card purchases, meaning all card purchases by all cardholders, at any type of merchant, or $20,000 on gas, grocery, Tim Hortons or TELUS purchases on your account, whichever comes first; after that, net card purchases at all merchants, including grocery stores, service stations and automatic gas-dispensers, Tim Hortons or TELUS will earn cash back at the regular rate of 1%. After the first year, you start paying an annual fee of $99 for the primary card which is on the … Purchases made at Apple.ca will earn you an additional point per dollar spent when accessed through CIBC Rewards, with the exception of the CIBC Aventura ® Visa Infinite Privilege* Card and the CIBC U.S. Dollar Aventura ® Gold Visa* Card. 11 CIBC does not charge interest on a CIBC Global Money Transfer appearing on your statement if we receive full payment of the Amount Due (or for a CIBC Global Money Transfer that has been converted to an Installment Plan during that statement period, if we receive payment in full of the Balance) by the payment due date for that statement. cibc sure is frustrating, they told me that my tim hortons card is being canceled, and they offered me a visa dividend base card "as a special offer", I called them said I wanted this card instead, and they said no problem, but wont give me the first year free or bonus 10… WELCOME OFFER: Get a first-year annual fee rebate!† Plus, get a 10.99% introductory interest rate on all purchases until August 2021.†. CIBC uses cookies to understand how you use our website and to improve your experience. Arrow keys or space bar to move among menu items or open a sub-menu. 10 CIBC foreign exchange rates apply. Link your Journie Rewards card to save on every fill-up at Chevron, Ultramar and Pioneer gas stations. This offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in our sole discretion. CIBC is not required to credit your account with cash back earned during a monthly statement period if your credit card account is not open and in good standing at any time during a monthly statement period. Aventura Points and cash back are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments, regular CIBC Convenience Cheques and Aventura Point redemptions, as applicable. A one-time annual fee rebate for you (the primary cardholder) and up to three authorized users added at the time of the application. Credit card account must also be open and in good standing at the time the cash back is redeemed. Need to meet? Any cash-back amount that is not redeemed by the primary cardholder by the last day of the period covered by your December statement will be automatically redeemed, resulting in your cash-back balance being reset to zero, and applied as a credit on your next statement, or, in limited circumstances, at such other time as may be permitted by CIBC. The Visa Infinite program gives you access to luxury worldwide travel and hotel benefits3, Fuel up for less, with 3 cents off per litre. For the Aventura Visa Infinite Card, 50% more Aventura Points on gas, grocery and drugstore card purchases is only available on the first $80,000 in net annual card purchases on your account (meaning all card purchases by all cardholders, at any type of merchant); after that, net card purchases at grocery, drugstore and gas merchants will earn Aventura Points at the regular rate. “Purchase” means card purchases less returns and does not include: cash advances, interest, fees, balance transfers, payments, or CIBC Convenience Cheques. One of the best cash back credit cards in Canada, the CIBC Dividend® Visa Infinite* is set to experience an overhaul at a time when competition among cash back cards is at an all-time high. "There is less than one week left to grab the CIBC Dividend Visa Infinite or the CIBC Dividend Platinum Visa Cards with their 10% cash back welcome bonus. Terms, conditions and eligible merchants andmerchant categories may change without notice. CIBC Dividend Visa Infinite Card Cons. Ensure you’re protected from the unexpected with the CIBC Payment Protector™ Insurance for Credit Cards. This offer may be withdrawn or changed without prior notice at any time. Earn 2% cash back on purchases, less returns, at merchants identified as Tim Hortons or TELUS merchants by the merchant payment terminal. Applying takes about 5 minutes, and you’ll get a response in as little as 60 seconds9. A few things to … This tool is currently unavailable. Only primary cardholders can use their eligible credit card account to pay for the CIBC Global Money Transfer™ service. Only primary cardholders are permitted to make a cash-back redemption. There is no change to the authorized user fee of $30. This offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion. The minimum cash-back redemption amount is $25. Opens a new window in your browser, Arabic. I did a quick read and it's 10% cash back for first $2000 spent and there's an annual fee of $99, so net cash back bonus is $101. Credits for returns made on your account may result in a deduction of cash back at a higher earn rate, even though the return may relate to a purchase that earned cash back at a lower rate. CIBC Payment Protector™ Insurance for Credit Cards. Check out our CIBC … Opens a new window in your browser, Punjabi. Provided your bus fare was charged to your eligible CIBC card, Baggage Insurance coverage provides reimbursement of up to $500 per insured person, to a maximum of $1000 per claim for your lost luggage and its contents. The CIBC Dividend Visa Infinite Card has some drawbacks as follows. The 4% and 2% cash-back offers are only available on the first $80,000 in net annual card purchases, meaning all card purchases by all cardholders, at any type of merchant, or $20,000 on grocery stores, supermarkets, gas service stations and automated fuel-dispensers, commuter transportation, eating and drinking places and restaurants or on recurring payments on your account, whichever comes first; after that, net card purchases at all merchants, including grocery stores, supermarkets, gas service stations and automated fuel-dispensers, commuter transportation, eating and drinking places and restaurants, or on recurring payments will earn cash back at the regular rate of 1%. Out-of-Province Emergency Travel Medical Insurance (TMI) covers the primary cardholder, their spouse and dependent children for the first 15 days of a trip if the primary cardholder and covered person is age 64 and under (for all cards that have TMI coverage dependent children must be age 20 or under, unless they have a permanent physical or mental deficiency); TMI may not cover medical procedures performed without pre-approval. 9 We may withdraw approval if we become aware of any unfavourable information regarding your financial position or account status, or if you are unable to provide any additional information reasonably requested by CIBC. Opens a new window in your browser, Trip Cancellation and Interruption Insurance, Creditor Insurance for CIBC Personal Lines of Credit, CIBC Payment Protector™ Insurance for CIBC Credit Cards, Creditor Insurance for CIBC Personal Loans, save on every fill-up at Chevron, Ultramar and Pioneer gas stations. † This offer applies to the following Eligible Cards: CIBC Dividend® Visa Infinite* Card and CIBC Dividend Platinum® Visa Card. If you apply and are approved for a new eligible card, you will receive the introductory purchase interest rate of 10.99% on net purchases posted to your account until the first day of the period covered by your August 2021 monthly statement. CIBC Dividend® Visa Infinite* CIBC Dividend® Visa* ... For the CIBC Aventura Infinite Visa card, CIBC Aventura World MasterCard or CIBC Aventura World Elite MasterCard, Out-of-Province … If I'm incorrect, … Aventura Points are not earned on travel obtained by redeeming Aventura Points. Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Dividend Visa Infinite Card and CIBC Dividend Platinum Visa Card are excluded. The following do not qualify as purchases: cash advances, interest, fees, balance transfers, payments or convenience cheques. Learn moreabout the CIBC Dividend Visa Infinite welcome offer. † Plus, get a 10.99% introductory interest rate on all purchases until August 2021. $�� ��@��$�D� � !� �V$���̭L�|_@�00R�����=@� � 7 endstream endobj startxref 0 %%EOF 3718 0 obj <>stream LIMITED TIME OFFER: Grow your money with a special RDS%rate[4].TASATF.Published(null,5000.0_-_24999.99_CAD_Balance,1,1)(#O2#)% + %rate[4].TASATF.Published(null,5000.0_-_24999.99_CAD_Bonus,1,1)(#O2#)%interest rate.†. Cash back will be credited to the primary cardholder's account. to qualify for the CIBC Smart Account offer. All other purchases earn 1% cash back. changes to your CIBC Dividend Visa Infinite Card, including changes to the cash back program and the insurance benefits associated with your card. CIBC Dividend ® Visa Infinite* Card. Different cards will have different coverage(s). The $99 annual fee is actually slightly lower than competing cash back cards … New enhancements are coming to the CIBC Dividend cards on February 1, 2021. Note that some rental agencies may assess their damages at an amount greater than the ACV of the rental vehicle and you may be liable to them for the difference. Cash back will be credited to the primary cardholder’s account within 5 days of the date the redemption request is made. † Plus, get a 10.99% introductory interest rate on all purchases until August 2021. Or unless I'm misunderstanding this CIBC card? The full CIBC website is available in English and French. To learn more about how we do this, go to Manage my advertising preferences. for a CIBC banking centre or ATM. We apologize for any inconvenience. Once the bonus 10% is up the CIBC Dividend Visa Infinite Card will earn you 4% cash back on eligible gas and grocery purchases, 2% cash back on Tim Hortons and TELUS purchases and 1% … It’s a particularly … Currently, if you apply this credit card through cibc.com, you can … Learn moreabout CIBC Payment Protector Insurance for Credit Cards. Until October 31st, the CIBC Dividend VISA Infinite is giving out a 10% cashback WB against $2,000 spend in 4 statements. The CIBC Dividend Visa Infinite Card is particularly well suited for families and long-distance commuters, given its high cash back rates on gas and groceries. Effective February 1, 2021, cash back is not earned on CIBC Global Money Transfers™. TD Cash Back Visa Infinite 10% in cashback (CB) up to $2,000 in purchase during first 3 months, first year free (FYF) for primary and additional card holders is back on June 1. Credits for returns made on your account may result in a deduction of cash back at a higher earn rate, even though the return may relate to a purchase that earned cash back at a lower rate. CIBC Dividend Visa Infinite Card is a good credit card. If I have a CIBC Smart Plus™ Account, do I still get an annual fee rebate on my CIBC Dividend Platinum Visa or CIBC Dividend Visa Infinite cards? Your new credit card account must be open and in good standing at time the rebate is awarded. WELCOME OFFER. ESC to close a sub-menu and return to top level menu items. Effective February 1, 2021: The cash back is accumulated each month, beginning with the January statement and ending with the December statement. Now onto the individual card changes. Please note: Multilanguage sites do not provide full access to all content on CIBC.com. TMI and Trip Interruption Insurance may not cover certain pre-existing health or medical conditions. Once you accept the Installment Plan Terms and Conditions and create the Installment Plan through CIBC Online or Mobile Banking, you can cancel it at any time but you cannot change it. Some Tim Hortons and TELUS locations may be identified as other merchants by the merchant payment terminal. 3 Cardholders are responsible for the cost of any goods or services purchased, or arranged on their behalf, through this program. to CIBC Online Banking. Effective December 1, 2020 to January 31, 2021: Cash back is accumulated each month, beginning with the January statement and ending with the December statement. About CIBC. Get a first-year annual-fee rebate. The CIBC Dividend Visa Infinite Card requires a minimum individual annual income of $60,000 or a minimum household annual income of $100,000. This offer applies to the following Eligible Cards: CIBC Dividend ® Visa Infinite * Card and CIBC Dividend Platinum ® Visa Card (“Eligible Card”). CIBC Pace It™ Installment Plans are only available: (a) on Accounts in good standing; (b) for certain eligible Card types and eligible Transactions; and (c) to non-Quebec residents. However, interested parties are reminded that … Capitalized terms in this footnote have the meanings set out in the CIBC Cardholder Agreement. Cash back is earned on card purchases less returns and not on cash advances, interest, fees, balance transfers, payments and regular CIBC Convenience Cheques. Cash back is earned on card purchases less returns and not on cash advances, CIBC Global Money Transfers™, interest, fees, balance transfers, payments or CIBC Convenience Cheques. Opens a new window in your browser. Enjoy a low introductory rate†, equal to CIBC Prime, until March 7, 2021. Terms, conditions and eligible merchant categories may change without notice. CIBC Pace It helps you manage your finances with Installment Plans on your credit card at lower interest rates. To get in on the offer you'll need to apply by November 16. The primary cardholder may redeem cash back at any time during the year, provided they have a minimum cash-back balance of $25 at the time the redemption request is made. CLDI provides coverage up to the actual cash value (ACV) of the rental vehicle as defined in your insurance certificate. ET Cash back will be credited to the primary cardholder’s account. CIBC Dividend® Visa Infinite * Card CERTIFICATES OF INSURANCE Effective Date: February 1, 2021 .
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