^† The CIBC Smart Account and Credit Card Offer (the “Offer”) begins on January 22, 2026 at 12:01 a.m. ET. The Offer consists of two rewards: (a) a $500 cash reward, and (b) a $100 cash reward (which can be earned separately or combined). The Offer is open to residents of Canada who: (i) are age 25 and older, (ii) not a holder (or joint holder) of a CIBC chequing account at any time within the past 5 years, and (iii) are not CIBC employees or retired employees. To be eligible for the $100 cash reward, in addition to the foregoing criteria, you must not have not been a primary cardholder of any CIBC credit card during the 5 years before opening your new eligible credit card account.

To qualify to receive a $500 cash reward, open a CIBC Smart Account and provide your email address. Within 60 days of opening the account, set up and execute 1 recurring direct deposit of at least $500 or more per month from your employer, government, or your pension, and complete at least 1 of the following 3 activities:

(i) 2 separate recurring pre-authorized debits in the same calendar month;

(ii) 5 eligible Visa Debit purchases in the same calendar month; or

(iii) 2 online bill payments of at least $50 each in the same calendar month.

To qualify for the $100 cash reward, open a CIBC Smart Account and provide your email address. Within 30 days from the date of opening the CIBC Smart Account, apply for and be approved for an eligible CIBC credit card (review offer terms and conditions (PDF, 155 KB).

 for list of eligible cards). Within 60 days of opening the CIBC Smart Account, set up and execute 1 recurring direct deposit of at least $500 or more per month from your employer, government, or your pension.

All direct deposit(s) and pre-authorized debits required to qualify for this Offer must recur either weekly, biweekly, monthly or twice per month and remain in effect for at least 1 year starting the month after the CIBC Smart Account was opened.

Unless otherwise indicated, this offer cannot be combined with any other chequing account offer, rebate, reward, or the CIBC Smart Start or CIBC Smart for Students benefit on the CIBC Smart account.

The $500 cash reward will be deposited into the qualifying CIBC Smart Account within 7 months after the month you opened the account and the $100 cash reward will be deposited into the qualifying CIBC Smart Account within 9 months after the month you opened the account. CIBC reserves the right to end, cancel, change or suspend this offer or change these terms for any reason without notice. Other conditions apply; review the terms and conditions (PDF, 155 KB).

^‡This offer applies to the following Eligible Cards: CIBC Dividend® Visa Infinite* Card and CIBC Dividend Platinum® Visa* Card. You can qualify for this offer if you apply and are approved for a new eligible card beginning on April 7, 2026.

If you apply and are approved for a new eligible card, you will receive 10% cash back on the net purchases posted to your account within the first 4 monthly statement periods or $2,000 in total net purchases (equal to $200 cash back), whichever comes first.  

To qualify for a $50 cash back bonus, the primary cardholder must set up one (1) recurring bill payment within the first four (4) monthly statements. Recurring bill payments are automatically billed by a specific merchant to your credit card account on a regular basis (annually, monthly, biweekly, or weekly). If the payment is not set up as a recurring bill payment and the first payment is not posted to your account within the first four (4) monthly statements, it will not qualify for this offer. Please allow 8 to 12 weeks after the first recurring bill payment is posted for the cash back to appear on your credit card account. Authorized users are not eligible for this offer. The credit card account must be open and in good standing at the time the cash back is awarded. Limit of one $50 cash back bonus per account. Existing terms of your credit card account continue to apply. This offer is non-transferable and cannot be combined with any other offer. This offer may be withdrawn or changed without prior notice at any time. 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.

Regular cash back rate(s) do not apply on purchases on which the promotional rate of 10% applies. Cash back is earned on purchases less returns and credits. For this offer, the following do not qualify as purchases: cash advances, CIBC Global Money Transfers™, interest, fees, balance transfers, payments or CIBC Convenience Cheques. Promotional cash back will appear on your statement no later than 8 weeks after the end of the fourth monthly statement period.

Offer applies to newly approved card accounts only. Transfers and product changes from other CIBC credit cards are excluded from this offer. This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months. 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.  

A one-time annual fee rebate for you (the primary cardholder) and up to three authorized users added at the time of the application. This offer does not apply to annual fees for authorized users that are added after you submit your application. This offer applies for the first year only. If your application for an eligible card is not approved, you may be considered for another card (as disclosed in your credit card application). If you are approved for that card, this annual fee rebate offer will apply in the amount of the annual fee, if any, of the alternate card. 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. Your new credit card account must be open and in good standing at time the rebate is awarded.

^♢Offer begins on May 21, 2024 at 12:01 am ET. Offer available to residents of Canada who are: (i) registered in an employer sponsored apprenticeship program established by the applicable governing body in their province or territory of residence, and (ii) completing their required apprenticeship hours with their approved sponsor/employer for certification purposes. We may ask you to provide proof of registration in your apprenticeship program, such as a signed training agreement or other documentation as required by CIBC. To qualify, you must open a CIBC Smart Account online on this page or by visiting a CIBC Banking Centre or calling Telephone Banking. For an account opened through Telephone Banking, we may ask you to visit a CIBC Banking Centre to provide your signature to finish opening the account. The standard monthly account fee will be rebated for 24 consecutive calendar months (starting the calendar month of account open and the following 23 full calendar months immediately thereafter), after which the standard monthly account fee will apply. Other service fees continue to apply as set out in the Personal Account Service Fees brochure. Your account must remain open, in good standing and not converted during the 24-month period. If you continue to be enrolled in an eligible apprenticeship program and are still completing the required hours after the 24-month period, please contact CIBC to see if you are eligible for another offer or benefit. Proof of continued registration may be required at that time. We reserve the right to disqualify any person we find or believe (using any evidence or other information made available to or otherwise discovered by us) to be manipulating or otherwise abusing the process, fairness, integrity or operation of the offer CIBC reserves the right to end, cancel, change or suspend this offer or change these terms at any time. Unless otherwise indicated, this offer can be combined with any other offer, rebate, reward or benefit.

^††As part of the Skip+ program, subscribers are entitled to at least the following loyalty Benefits:

$0 delivery fee on orders placed at participating Partners, subject to a minimum spend of at least $15 (before associated taxes) in order to benefit from the Free Delivery Promotion. Such minimum order value may vary depending on the Partner selected, but will always be shown to you before placing your order on the platform. Participating partners may change at any time.

Discounted service fees: A saving of at least 40% off the regular Services Fees charged. Participating partners only. Participating partners will be identifiable when placing an order through the use of the Skip+ logo. You can check the Service Fee charged by each participating partner in the partner menu. Service Fees in general may vary between partners and locations.

Skip+ Members will be entitled to exclusive and/or priority access to promotions offered by Skip and its partners from time to time, provided you have not opted out of receiving marketing communications from Skip.

Additional promotional benefits, offers and rewards may additionally be made available from time to time, subject to any additional terms published alongside those offers or rewards.

Read the full program terms and conditions.

^✦Skip+ Membership for CIBC Cardholders: The free Skip+ membership offer is valid for eligible CIBC cardholders in Canada only.

In order to participate in the CIBC and Skip+ Program (the “Program”) and be eligible for the CIBC and Skip+ program offer as set out below (the “Offer”), an eligible CIBC cardholder must actively opt-in to the Program by linking their Eligible Card (as defined below) with their account (“Skip Account”) offered by SkipTheDishes Restaurant Services Inc. (“Skip”) (any such Skip Account that is linked to an Eligible Card, a “Linked Account”) through the Skip app or website.

CIBC and Skip+ Program Offer Details:

• Free Skip+ Membership: Eligible CIBC cardholders can enjoy a free Skip+ membership (normally $9.99/month plus applicable taxes) as long as your Eligible Card is linked to your Skip Account and your Linked Account is active (the “Skip+ Membership”). Upon linking your Eligible Card to your Skip Account through the Skip app or website, Skip will automatically apply the free Skip+ Membership. If you are an existing Skip+ member, you may cancel your membership. After your current billing cycle or trial period ends, you may link your Eligible Card to your Skip Account, and your free Skip+ Membership will start. Skip+ members get exclusive benefits including $0 delivery fees and discounted service fees on eligible orders placed at participating merchants. For the full Skip+ terms and conditions, please review the Skip+ Conditions
• Welcome Voucher: Within 24 hours of linking your Eligible Card to your Skip Account, Skip will deliver a Welcome Voucher to your Linked Account. The Welcome Voucher can be used at checkout to get $20 off on an order of $40 or more (before taxes, tips, and fees) and can only be redeemed on one order. The Welcome Voucher cannot be used on any orders containing solely alcohol, is non-transferable and is valid for a period of 30 days upon receiving the Welcome Voucher in your Linked Account.
• Monthly Voucher: Linked Accounts will receive a voucher worth a minimum of $10 each month upon placing 4 orders of $30 or more (before taxes, tips, and fees) in any calendar month. Skip will automatically apply the Monthly Voucher to your Linked Account. The Monthly Voucher can be used at checkout to get a discount equal to the voucher value off an order of $30 or more (before taxes, tips, and fees) and can only be redeemed on one order. The Monthly Voucher cannot be used on any orders containing solely alcohol, is non-transferable and is valid for a period of 30 days from the date it is applied to your Linked Account.

Offer is limited to one Free Skip+ Membership and one Welcome Voucher per Eligible Card and Linked Account. Monthly Voucher is limited to one voucher per month per Eligible Card and Linked Account. You may activate the Offer on the Skip+ CIBC Offer landing page or in the Skip app. For more information, review the offer landing page.

If you are an existing Skip+ member, you may cancel your membership. After your current billing cycle or trial period ends, you may link your Eligible Card to your Skip Account, and your free Skip+ Membership will start. If you have a Linked Account and cancel your free Skip+ membership, you may re-activate the Offer through linking an Eligible Card that you used to link to your Skip Account for the Offer. Re-activated Linked Accounts will not receive the Welcome Voucher but will be eligible to receive the Monthly Voucher.

The Program and Offer are valid for orders made using an Eligible Card. In order to be eligible for the Program and Offer benefits, you must use an Eligible Card at checkout. The use of third party digital wallets (e.g. Apple Pay, Google Pay or Samsung Pay) are excluded from the Program and Offer. The Program and Offer are only valid where Skip is available. Offer has no cash value and may not be altered, bartered, sold, resold or transferred. No refunds for partial billing periods unless required by applicable law. Taxes, service and delivery fees apply. You can cancel your Skip+ membership at any time by visiting the “Manage Membership” tab within the “Your Account” page in the Skip app and select “Cancel Membership”. Closing your CIBC credit card account or debit card linked to your Skip Account will result in the immediate termination of your free Skip+ membership and benefits. Review CIBC and Skip+ FAQs. The Program and Offer are subject to the terms and conditions set out here as well as the Skip+ Conditions.

Existing terms of your Skip+ membership program, CIBC rewards program, credit card account and debit card continue to apply. Program may end at any time without notice. Offer may be withdrawn or changed without notice at any time, including without limitation, changes to the free Skip+ membership, the Welcome Voucher, and the Monthly Voucher. CIBC may, in its sole discretion, disqualify, limit, or revoke this Offer if you are believed to be abusing or manipulating it, or engaging in suspicious activity. CIBC is not liable or responsible for any products or services offered (including memberships), made available or purchased from Skip, including any failure, delay, or inability by Skip to provide or honour such products, services, offers, or benefits. Any Skip benefits detailed herein are subject to change at any time in Skip’s sole discretion. Offer is available to holders of the eligible cards listed below:

CIBC Dividend^® Visa Infinite*, CIBC Dividend Platinum^® Visa*, CIBC Dividend^® Visa*, CIBC Dividend Unlimited World Mastercard®, CIBC Dividend^® Visa* Card for Students, CIBC Dividend Unlimited World Elite^® Mastercard^®, CIBC Aventura^® Visa Infinite*, CIBC Aventura^® World Mastercard^®, CIBC Aventura^® World Elite Mastercard^®, CIBC Aventura^® Visa* Card for Students, CIBC Aventura^® Visa Infinite Privilege*, CIBC Aventura^® Gold Visa*, CIBC Aventura^® Mastercard^®, CIBC Aventura^® Visa*, CIBC Aventura^® Visa* for Business Card, CIBC Aventura^® Visa* Card for Business Plus, CIBC Aeroplan^® Visa* Card, CIBC Aeroplan^® Visa Infinite* Card, CIBC Aeroplan^® Visa* Card for Students, CIBC Aeroplan^® Visa Infinite Privilege* Card, CIBC Aerogold^® Visa* Card, CIBC U.S. Dollar Aventura^® Gold Visa*, CIBC Aeroplan^® Visa for Business Card, CIBC Aeroplan^® Visa Business Plus, CIBC Classic Visa* Card, CIBC Classic Visa* Card for Students, CIBC Corporate Classic Plus Visa* Card, CIBC Costco Mastercard^®, CIBC Costco World Mastercard^®, CIBC Costco Business Mastercard^®, CIBC bizline^® Visa* Card, CIBC Select Visa* Card, CIBC Vacationgold^® Visa* Card, CIBC Gold Visa* Card, CIBC Advantage Debit Card^®, CIBC Adapta™ Mastercard^®, CIBC Adapta™ World Mastercard^®, CIBC Adapta™ Mastercard^® for Students or any other eligible credit or debit card, as may be determined by CIBC in its sole discretion from time to time, in good standing (each an “Eligible Card”).

For CIBC Aventura^® Visa* Card for Business Plus, CIBC Aeroplan® Visa Business Plus and CIBC Corporate Classic Plus Visa* Card, the Offer can only be redeemed by one Cardholder (as defined under the CIBC Business Credit Card Agreement (Business Liability)).

For questions about your CIBC Eligible Card and rewards program, contact CIBC. For questions about your Skip Account, contact Skip Customer Care (support@skipthedishes.ca).

^✧To be eligible for a free SPC membership, you must hold an eligible CIBC product at the time you register for the membership, which you must do through CIBC online or mobile banking. Eligible CIBC products include a CIBC Youth or Student bank account, Student credit card or Student line of credit. A complete list of eligible CIBC products can be found at SPC and CIBC. Joint account holders of eligible CIBC products are not eligible for membership. You must also be a legal resident of Canada who is fourteen (14) years of age or over, but under the age of thirty (30) years if the eligible CIBC product you use to qualify for the membership is a student line of credit. The membership will automatically renew and remain in effect for as long as you hold an eligible CIBC product.

Trade-mark/registered trade-mark of Student Price Card Ltd.

¹For clients who have more than three (3) CIBC Smart Accounts, CIBC will select which three accounts will have these benefits and/or features.

²Each additional CIBC Smart Account (over three (3) CIBC Smart Accounts) will receive a monthly account fee rebate by maintaining a minimum end of day account balance of $4,000 each day for that month in that CIBC Smart Account.

³The credit card must be active, meaning it should meet the minimum spend criteria of >$1 in the last 12 months.

⁴Each client in Tier 2 and Tier 3 who holds an active eligible credit card account will receive an annual fee rebate, subject to the terms and conditions (PDF, 365 KB).

. The Tier 2 annual fee rebate is up to $50 annually for the primary cardholder. The Tier 3 annual fee rebate is up to $139 annually for the primary cardholder and up to $50 for each authorized user (up to a maximum of 3 authorized users). The credit card must be active, meaning it should meet the minimum spend criteria of >$1 in the last 12 months.

The following credit cards are eligible to qualify for annual fee rebate: CIBC Aventura® Visa Infinite*, CIBC Aventura® Gold Visa*, CIBC Dividend® Visa Infinite*, CIBC Dividend Platinum® Visa*, CIBC Aeroplan® Visa Infinite*, CIBC Aventura® Visa Infinite Privilege* and CIBC Aeroplan® Visa Infinite Privilege*. The rebate benefit is also available for cardholders with the following CIBC cards no longer available for new clients: CIBC Aventura® Mastercard® ($99), CIBC Aventura® World Mastercard®, CIBC Aventura® World Elite® Mastercard®, CIBC Aerogold® Visa* and CIBC Gold* Visa.

⁵A transaction includes cheques, withdrawals, transfers, preauthorized payments, payments (including CIBC-branded loans), bill payments (including CIBC Credit Cards and CIBC Personal Lines of Credit) and debit purchases. Pre-authorized payments and transfers to CIBC-branded loans (excluding CIBC Personal Lines of Credit), mortgages and investments (registered and non-registered) are free. Payments to CIBC-branded mortgages are also free. “CIBC-branded” means any brand that has CIBC in its name and is offered by CIBC or its Canadian affiliates (and does not include CIBC Bank USA). A transaction does not include debit purchases (excluding purchases made by pre-authorized payment), including transit fares and passes, made at Canadian public transit authority merchants classified by Interac’s “Merchant Category Code” (MCC) as “Local and Suburban Commuter Passenger Transportation, including ferries”. Debit purchases (excluding pre-authorized payment purchases) made at public transit authority merchants with this classification do not incur an account transaction fee. Debit purchases made at any other merchants offering public transit services are transactions and may incur an account transaction fee depending on the type of account.

⁶Each Interac e-Transfer® you send counts as a transaction for calculating your monthly fee and transaction fees. The $1.50 Interac e-Transfer fee for sending or requesting money is waived on CIBC Smart Accounts, the CIBC Everyday Chequing Account, and for clients who are enrolled in CIBC Smart Start, CIBC Advantage for Youth, CIBC Smart for Students, CIBC 60 Plus Advantage and CIBC Advantage for Students (on the CIBC Everyday Chequing Account). Clients 65 years of age and older do not pay the Interac e-Transfer fee on any CIBC chequing account. Interac e-Transfer service has maximum dollar limits that you can send. Learn more about Interac fees and details.

Interac e-Transfer Terms and Conditions (PDF, 135 KB). Updated November 30, 2024.

⁷$2.00 charged for each additional non-CIBC ATM withdrawal.

⁸All accounts must have sufficient funds to cover the cost of any fees charged. Any overdraft-related fees and interest incurred due to the fees charged will not be reimbursed to the client. For ATM fee rebate, rebate is limited to CIBC fee only. Additional non-CIBC fees may still apply.

⁹If you apply for and are approved for CIBC Overdraft Protection Service (COPS), the fee associated with the Monthly Fixed Fee option isn’t applicable on up to 3 CIBC Smart Accounts, however you’ll pay interest on any overdraft amount on your account and overlimit fees if applicable. COPS is available on select CIBC personal bank accounts for customers who meet CIBC’s standard credit criteria. The fee associated with the Monthly Fixed Fee option does not apply in Quebec and CIBC does not provide the Pay Per Use fee option in Quebec. For more information on COPS and associated fees, review the Personal Account Service Fees (PDF, 365 KB)

¹⁰Monthly account fee is rebated until age 25. Regular CIBC Smart Account fees will apply thereafter.

¹¹Monthly account fee is rebated until graduation date plus an additional 6 months, up to a maximum of 4½ years in total. Regular CIBC Smart Account fees will apply thereafter.

¹²Clients aged sixty-five (65) and older will automatically be enrolled in CIBC Smart for Seniors. Monthly account fee is rebated for the CIBC Smart™ Account and the CIBC Everyday® Chequing Account with the CIBC Smart for Seniors benefit.

¹³The CIBC Smart Account for Newcomers is offered to those who have received landed immigrant or permanent resident status in the last 5 years, or those who are temporary resident workers who have a Canadian work permit issued for at least a 12-month term. Must show proof of entry into Canada and provide supporting documents such as landing papers, permanent resident card or Canadian work permit (IMM 1442). Monthly account fee is rebated for two years after which regular monthly account fees apply.

¹⁴Terms and conditions apply, see the Personal Account Service Fees (PDF, 365 KB) brochure for details.

¹⁵ This is the higher of the average monthly balances for the previous two (2) months calculated in accordance with the Personal Account Service Fees (PDF, 365 KB)