Best CIBC Credit Cards

CIBC is one of the world’s biggest banks, providing Aeroplan and Aventura credit cards that also give cash back. Here are some of the writer’s top picks for some of the best CIBC credit cards recently released.

CIBC cards you need to know about

There are many benefits, features, and strategies for credit cards. You should talk to your love about what CIBC offers and the benefits of prioritizing your cards.

0% per month balance transfer rate for the first 10 months

Interest Rate

13.99%

Balance Transfer

13.99%

Annual Fee

$29

Card Type

Low Interest, Balance Transfer

Get the reliable, everyday use card that earns you cash back on daily essentials for no annual fee.

Interest Rate

20.99%

Balance Transfer

N/A

Annual Fee

$0

Card Type

Cash Back

Get a first-year annual fee rebate for you and up to 3 authorized users

Interest Rate

20.99%

Balance Transfer

N/A

Annual Fee

$120

Card Type

Cash Back

Why you should apply for a CIBC credit card

CIBC credit cards are the best way to earn Aeroplan points. As one of Aeroplan’s trois trois, CIBC’s co-branded cards can be used in tandem with TD’s and American Express’s respective co-branded cards allowing for quick accumulation of rewards points on your path to an international flight.

Use CIBC’s rewards points for flights to get even better value with the Aventura Flight Rewards Chart. You can redeem Aventura points for hotels, car rentals, vacation packages, and cruises.

CIBC has a new credit card with a Smart Plus account that gets your annual fee rebated. You can have one of their premiums cards and have your CIBC monthly chequing account fee rebated as well.

How to pick the right CIBC credit card for you

CIBC offers three different types of rewards on their credit cards all on the Visa payment network. These are:

Aeroplan co-brand cards earn Aeroplan points, come with Air Canada benefits, and are best for avid Aeroplan collectors.

CIBC Aventura Cards earn points that can be used to pay for travel expenses. There are 2 redemption rates; 1 cent per point for travel redemptions and up to 2.3cents per point for flights. Overall CIBC Rewards make more sense if you plan on using them like Aeroplan Miles instead of accumulating them like a credit card or bank account.

CIBC’s cash back cards offers the benefits of both cash back and travel. They offer highly competitive rates, with energy and grocery bonuses, as well as competitive rates for other expenses.

CIBC is the only Aeroplan financial partner to offer no annual fee cards. They are great for keeping your “expenses down” while maintaining “a base level of cardholder benefits.”

This brief article explores which Visa cards have accompanying benefits

With a Visa Infinite card, you get the benefits of Concierge services, the Luxury Hotel Collection, and the Dining Series & Wine Country Program.

One of the benefits of the Visa Infinite Privilege card is the six Priority Pass lounge passes. You can access them at participating airports.

CIBC is coming out with a new promotion to help with our offers. For CIBC FIRST YEAR FREE offers, you can apply for any of their cards and get the first year free. When this happens, it will be best to wait rather than applying right away.

Should you keep your balances, limit or avoid credit cards?

To maximize the spending potential of your credit cards, there are a wide range of CIBC credit cards that can do the job. You can tailor these to your travel plans, or take them with you when you go abroad for work.

An optimized credit card strategy may include prioritizing CIBC’s Aeroplan credit cards to collect a sizeable balance of Aeroplan points, which you can then use towards booking flights at any class level.

Meanwhile, you can use CIBC Aventura credit cards to cover your non-flight expenses, like car rentals or non-chain hotels. These more flexible cards offer double points on everyday purchases and points on travel, you can make the most of your purchases no matter what kind you make.

The CIBC Aventura Visa Infinite Privilege Card offers you a $200 annual credit to use towards various travel-related expenses. The redemption rates vary, and we suggest using 1 cent per point when redeeming your rewards.

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