4 Interest rates will change from time payday loans in Oklahoma to time on at least 30 days prior notice to the primary cardholder. “Purchase” means card purchases less returns and does not include: cash advances, interest, fees, balance transfers, payments, or CIBC Convenience Cheques. “Cash” means cash advances, balance transfers and CIBC Convenience Cheques.
5 Cash advances do not earn cash back. Cash advances bear interest from the date they are taken from your credit card account and are subject to available credit and available cash.
6 The rewards calculator tool is only for general illustration purposes; your actual results may differ. Aventura Points and cash back are earned on card purchases less returns, and not on cash advances, CIBC Global Money Transfers™, interest, fees, balance transfers, payments, regular CIBC Convenience Cheques and Aventura Point redemptions, as applicable. 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.
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. Aventura Points are not earned on travel obtained by redeeming Aventura Points. Earn 2 Aventura Points per dollar charged to the card on purchases (excluding returns) at merchants classified in the Visa network as (i) grocery stores and supermarkets, eating places and restaurants, drinking places and fast food restaurants (ii) gas service stations and automated fuel dispensers; local and suburban commuter transportation in Canada, including subway, streetcar, taxi, limousine and ride-sharing services (excludes merchants that may be classified as travel services or travel bookings such as air transport, car rentals and cruises) and (iii) entertainment, including motion picture theaters, theatrical producers, ticket agencies, bands, orchestras and miscellaneous entertainers. This bonus Aventura Points offer is only available on the first $200,000 in net annual card purchases on your account (meaning all card purchases by all cardholders, at any type of merchant); after that, net annual card purchases at grocery, gas, transportation, dining and entertainment merchants will earn Aventura Points at the regular rate. The $200,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchant categories may change without notice. For details about earning and redeeming rewards, the Welcome Bonus and other card benefits, including terms and conditions, review the benefit guides on CIBC Agreements and Insurance. All information is valid at the time of publication and is subject to change without notice.
All other purchases earn 1% cash back
8 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. Capitalized terms in this footnote have the meanings set out in the CIBC Cardholder Agreement.
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. The application response time may take longer than 60 seconds in the event of technology issues. If you supply your email address, an application status email will be sent as soon as the technology issues are resolved.
Otherwise, you will receive a response to your credit card application within 7 to 10 business days
Earn 3% cash back on purchases (less returns) at merchants classified by the credit card network as (i) grocery stores and supermarkets or (ii) gas service stations and automated fuel dispensers. Earn 2% cash back on purchases (less returns) at merchants classified by the credit card network as (i) local and suburban commuter transportation in Canada including subway, streetcar, taxi, limousine and ride sharing services (excludes merchants that may be classified as travel services or travel bookings such as air transport, car rentals and cruises), (ii) eating places and restaurants, drinking places and fast food restaurants, or (iii) recurring payments that are pre-authorized with a merchant to occur on a regular schedule (e.g. daily, monthly or annually) and classified by the merchant as recurring. The 3% 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%. The $80,000 limit and the $20,000 limit will reset to 0 after the day your December statement is printed. Terms, conditions and eligible merchant/merchant categories may change without notice. Cash back is earned on card purchases less returns and not on cash advances, CIBC Global Money Transfers ™ , interest, fees, balance transfers, payments and regular CIBC Convenience Cheques. 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.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.
