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Helping you get more for your money® |
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- Earn up to 2% cash back on net purchases made with the card.1
- Earn an additional 1% cash back (on top of your regular cash back) at participating CIBC Advantex®1 Benefit restaurants, resorts and golf courses.2
- Earn an additional 1.5% cash back (on top of your regular cash back) at 50 of Canada's high-end restaurants participating in the Enhanced CIBC Advantex Dining Benefit.2
- Receive complimentary room upgrades, special free gifts or amenities and more at 100+ inns and selected hotels that are part of the Enhanced CIBC Advantex Hotel and Spa Benefit.2
- The flexibility to spend over your credit limit without having to pay an overlimit fee.3
- Out-of-Province Travel Medical Insurance for the first 15 days of your trip, for primary cardholders age 64 and under.4
- Trip Interruption Insurance to protect you from some of the costs that may arise while travelling when sickness, injury or another covered event disrupts your travel plans for a trip charged to your card.4
- A members-only CIBC Visa Infinite website where you can access information on enhanced dining and hotel perks.
- Visa Auto Rental Collision/Loss Damage Insurance.4
- Flight Delay and Baggage Insurance for lost, stolen, damaged or delayed checked baggage.4
- $1,000,000 Common Carrier Accident Insurance.4
- Enjoy added security and protection on your purchases.4
- AVIS car rental discounts up to 20% at participating locations.5
- Free personalized CIBC Convenience Cheques.TM1 6
- Guaranteed hotel reservations.
- Cash advances of up to $1,000 a day.7
- Emergency card replacement
- Worldwide Visa acceptance at over 24 million locations
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Here's how Dividend Dollars® are calculated:
Tier one - 0.5% rebate on your first $3,000 in annual net card purchases
Tier two - 1% rebate on your next $12,000 in annual net card purchases (Between $3,000 and $15,000)
Tier three - 1.5% rebate on your next $20,000 in annual net card purchases (Between $15,000 and $35,000)
Tier four - 2% rebate on your next $15,000 in annual net card purchases (Between $35,000 and $50,000)
Note: Your year-to-date net purchase amounts must be greater than the dollar range for a tier before you can start earning Dividend Dollars at the next tier rate. No Dividend Dollars are earned on annual net card purchases over $50,000.
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1 Dividend Dollars are calculated as follows: on the first $3,000 in net annual card purchases on your CIBC Dividend Visa Infinite account your rebate is 0.5%; on your next $12,000 in net annual card purchases your rebate would be 1.0%; on your next $20,000 in net annual card purchases your rebate would be 1.5%; on your next $15,000 in net annual card purchases your rebate would be 2%. See program terms distributed with card for details. Rebate is earned on card purchases less returns, and not on cash advances, regular Convenience Cheques, Balance Transfers, fees, interest, payments or on net CIBC Dividend Visa Infinite account purchases over $50,000 per year. Rebate is paid into the card account when the December account statement is issued, if the account is then in good standing (otherwise, the rebate is cancelled).
2 The CIBC Advantex Benefit applies only if the Card is used for payment at participating establishments. Some restrictions may apply. Please visit
www.cibcvisainfiniteadvantex.com for full terms and conditions. The number of restaurants offering an additional 1.5% cash back will vary from time to time. Please visit
www.cibcvisainfiniteadvantex.com for full terms and conditions. The CIBC Advantex Benefits cannot be combined with other promotional offers and may not be valid with certain discounts or offers. Terms, conditions and participating merchants may change without notice. This program is owned and operated by Advantex Marketing International Inc. To receive the benefits at Enhanced CIBC Advantex Benefit hotels, inns and spas, present your CIBC Visa Infinite Card at check-in, request the Enhanced CIBC Advantex Benefit when receiving services and use your CIBC Visa Infinite Card for payment. Room upgrade and late check-out are based on availability at time of check-in. Gift/amenity varies by establishment; a purchase may be required or other limitations may apply, so please ask for details. Internet service not available at all locations; Internet may be free at individual establishments for all guests (not just Visa Infinite cardholders). Spa discount is before taxes and cannot be combined with other offers; some limits may apply at various establishments, so ask for details.
3 Additional purchasing power over your credit limit does not mean unlimited spending. Each transaction is assessed on various factors including your payment history and spending patterns so as to determine your additional purchasing power over your credit limit, if any. Since you must repay any amount over your credit limit by your payment due date, your borrowing capacity is not increased and remains at your credit limit.
4 Common carrier fares and other trip costs must be charged to the card prior to your departure to activate certain coverages.
$1,000,000 Common Carrier Accident Insurance is available only to the primary cardholder and his/her spouse and dependent children;
coverage is up to $1,000,000. Visa Auto Rental Collision/Loss Damage Insurance applies for rental periods up to 48 days, only; to
activate coverage, the car rental agency's Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) must be declined and the full
cost of the rental must
be charged to your card. Out-Of-Province Travel Medical Insurance is available only if the primary cardholder is age 64 or under,
and if so, it is also available to his/her spouse, who must also be age 64 or under, and their dependent children for the first 15
days of the trip; this insurance does not cover expenses relating to any pre-existing conditions if in the 90 days before your
departure, that or a related condition has not been stable. Trip Interruption coverage is available only to primary cardholders,
his/her spouse and dependent children traveling with primary cardholder or spouse, and up to two traveling companions; coverage
applies only while traveling and only to trips interrupted due to injury, illness or death of a covered person. The Purchase Security
feature helps protect
most new items of personal property when the purchase price is charged to your card by insuring the item for 90 days from purchase
in the event of loss, theft or damage. The Extended Protection feature doubles the term of your original Canadian or U.S.
manufacturer’s warranty up to one year on most new items of personal property when the purchase price is charged to your card.
Purchase & Extended Protection Insurance and Baggage Insurance are "excess insurance" (meaning it covers you only to the extent
your claim exceeds any other collectible insurance that would apply without this insurance). All insurances are underwritten by
Royal & Sun Alliance Insurance Company of Canada and subject to limitations and exclusions contained in the Insurance Certificates
distributed with the Card Package.
5 AVIS rental car discounts are available at participating AVIS locations provided you charge the rental to your card. (Quebec residents may obtain the discount without using their Card, provided they show the Card when paying by an alternative payment option acceptable to AVIS).
6 Convenience Cheques bear interest from the date they are posted to your CIBC Dividend Visa Infinite Account. Convenience Cheques are subject to your available credit and your available cash. Cheques will not be processed if your CIBC Dividend Visa Infinite Account is not in good standing. Convenience Cheques cannot be used for payments on, or to transfer balances from, other CIBC credit cards, CIBC Personal Lines of Credit, Loans and Mortgages. Cheques do not earn Dividend Dollars. Cheques cannot be certified.
7 Cash advances do not earn Dividend Dollars. Interest accrues from the date advances are taken. Advances are subject to your available credit and available cash.
8 The interest rate will change from time to time on at least 30 days prior notice to cardholders.
® Registered trademark of CIBC, "CIBC for what matters." is a trademark of CIBC.
TM1 Trademark of CIBC.
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