CIBC credit cards & products
One of Canada's Big Five banks. Its card lineup is built around the Aventura travel points program and the Dividend cash-back family, with a broad range of no-fee and student options.
What CIBC does well
- One of the widest lineups in Canada, from no-fee student cards to premium travel
- Aventura points can be redeemed through CIBC's own travel centre or transferred to Aeroplan on eligible cards
- Strong branch and ATM coverage nationwide
What to watch for
- Premium cards carry income requirements of $60,000 personal or $100,000 household
- Aventura redemption value varies a lot depending on how you book
CIBC cards earn Aventura points and Dividend cash back. See what those points are actually worth with our points value calculator.
All 17 CIBC credit cards
CIBC savings accounts
A high promo rate plus a Smart Interest bonus if you save consistently each month.
Regular rate 0.20%–0.80%, plus a 0.25% Smart Interest bonus when you deposit $200 or more a month.
Rate verified August 3, 2026 · confirm with the institution before applying
Frequently asked questions about CIBC
What credit cards does CIBC offer?
We track 17 CIBC credit cards, 7 of which have no annual fee. Annual fees run from $29 to $599. They run on Visa and Mastercard. CIBC also offers 1 banking product we cover.
What rewards program do CIBC cards use?
CIBC cards earn Aventura points and Dividend cash back. One of the widest lineups in Canada, from no-fee student cards to premium travel. Worth knowing: premium cards carry income requirements of $60,000 personal or $100,000 household.
What credit score do you need for a CIBC card?
Across the CIBC cards we track, our recommended scores range from 600 to 780. Entry-level and no-fee cards sit at the lower end, while premium cards typically want 780+ along with the income requirement. These are VaultNerd estimates based on card tier and stated income requirements, not official issuer cutoffs.
Compare CIBC against everything else
Loyalty to one bank rarely pays. Run your actual spending through the card finder to see whether a CIBC card genuinely earns you the most, or browse every card we cover.
Researching and writing about Canadian personal finance since 2026.
Last reviewed August 2026 · How we research
“CIBC Products.” VaultNerd, https://www.vaultnerd.com/ca/banks/cibc, updated August 2026.
- CIBC published product pages and cardholder agreements
- VaultNerd products database