Top 10 CIBC Credit Cards in Canada for December 2025

From our Editors: The Full List of Best CIBC Credit Cards in Canada

Best Overall: CIBC Dividend Visa Infinite Card

The CIBC Dividend Visa Infinite Card earns cardholders excellent cashback on common categories like gas, groceries, transportation, dining, and recurring transactions. In fact, this card ranks highly as one of the best gas credit cards in Canada. The insurance isn't especially extensive, but it still includes protections like car rental damage and theft insurance, plus mobile device insurance. As for benefits, expect discounts on both gas and rental cars. To entice you even further, this contender waives its annual fee for the first year of membership. To learn more, check out our CIBC Dividend Visa Infinite Card Review.

Best Balance Transfer + Low Interest: CIBC Select Visa Card

Another high ranking CIBC credit card is the CIBC Select Visa Card. This contender is both one of the best low interest credit cards in Canada and one of the best balance transfer credit cards in Canada. Expect relatively low purchase, cash advance, and balance transfer interest rates, plus a long-term zero-interest balance transfer promotional period. There aren't many add-ons, but the card includes travel accident insurance. Additionally, the annual fee is waived for the first year of membership. Find out more in our CIBC Select Visa Card Review.

Best Accessible Aeroplan: CIBC Aeroplan Visa Card

If you're a frequent Air Canada flyer, then you may be interested in the CIBC Aeroplan Visa Card, one of the best Aeroplan credit cards in Canada. For no annual fee, this card earns you decent Aeroplan points per dollar spent on gas, groceries, and Air Canada purchases. Alongside some coverage, you'll find discounts on flights and extra points on partner purchases. Read more in our CIBC Aeroplan Visa Card Review.

Best Mid-Tier Aeroplan: CIBC Aeroplan Visa Infinite Card

If you're looking for a step up from the CIBC Aeroplan Visa Card, consider the CIBC Aeroplan Visa Infinite Card. This card earns you slightly more Aeroplan points per dollar spent on gas, groceries, and Air Canada purchases. The real pull with this upgrade is the benefits. Expect comprehensive travel coverage, including trip interruption and trip cancellation insurance, plus perks like free first checked bags, and free extra nights at hotels. To qualify for this card, you'll need to meet some high annual income requirements, but luckily the first year annual fee is rebated. See more in our CIBC Aeroplan Visa Infinite Card Review.

Best Premium Aeroplan: CIBC Aeroplan Visa Infinite Privilege Card

For the most premium CIBC Aeroplan credit card, apply for the CIBC Aeroplan Visa Infinite Privilege Card. This contender earns you more Aeroplan points on Air Canada purchases, plus similar points on gas, grocery, dining, and travel purchases. In addition to comprehensive insurance, cardholders receive perks like unlimited access to Maple Leaf Lounges, an annual companion voucher, priority travel advantages, and free first checked bags, making it one of the top checked bag credit cards in Canada. To account for these exclusive add-ons, applicants need to meet some high annual income requirements and front a hefty annual fee. Learn more in our CIBC Aeroplan Visa Infinite Privilege Card Review.

Best Premium Travel: CIBC Aventura Visa Infinite Privilege Card

For more general premium travel, opt for the CIBC Aventura Visa Infinite Privilege Card. This card collects solid points per dollar spent on travel purchased through the CIBC Rewards Center, dining, entertainment, gas, transportation, and groceries. The insurance is extensive, offering protections like trip interruption and trip cancellation insurance, hotel burglary insurance, and travel medical insurance. Cardholders also receive airport lounge Dragon Pass access, an annual travel credit, and a Nexus Program rebate. On top of a high annual fee, applicants also have to meet some high annual income requirements. Discover more in our CIBC Aventura Visa Infinite Privilege Card Review.

Best Mid-Tier Travel: CIBC Aventura Visa Infinite Card

If you're looking for a more affordable general CIBC travel card, consider the CIBC Aventura Visa Infinite Card. On this card, you'll earn decent points per dollar spent on travel purchases through the CIBC Rewards Centre, plus points per dollar spent on gas, groceries, and drug store purchases. In addition to comprehensive travel insurance, cardholders also receive some complimentary Dragon Pass airport lounge access, a Nexus Program rebate, and a car rental discount. This card still has some annual income requirements and an annual fee, but thankfully the yearly cost is waived during the first year of membership. Get all the details in our CIBC Aventura Visa Infinite Card Review.

Best Accessible Travel: CIBC Aventura Visa Card

For the most affordable general CIBC travel card, go for the CIBC Aventura Visa Card. For no annual fee, cardholders receive some CIBC Aventura points per dollar spent on travel purchased through the CIBC Rewards Centre, plus points per dollar spent on gas, groceries, and drug store purchases. Note, however, that ehe insurance is pretty basic and the only benefit is a gas discount. All in all, it's the most accessible CIBC travel card. To understand more, check out our CIBC Aventura Visa Card Review.

Best Accessible Cashback: CIBC Dividend Platinum Visa Card

Maybe you'd rather collect cashback. In that case, consider the affordable CIBC Dividend Platinum Visa Card. This card collects cashback on gas, groceries, transportation, dining, and recurring bills. As for extras, expect basic coverage and discounts on gas and rental cars. Note that there's a small annual income requirement to qualify, but the annual fee is waived for the first year of membership. Learn more in our CIBC Dividend Platinum Visa Card Review.

Best Costco: CIBC Costco Mastercard

The CIBC Costco Mastercard offers one of the highest cashback rates on restaurant purchases, making it a top choice for optimizing rewards in this specific category, especially since it has no annual fee. If you fuel up with Costco Gas or shop at Costco.ca, there is a decent cashback rate as well. However, for other categories, the cashback rate is average. In all honesty, you may be better off using other credit cards for warehouse Costco purchases. Weigh all of your options in our Best Costco Cards in Canada post. For more details on this card specifically, read our CIBC Costco Mastercard Review.

Choosing the Right CIBC Credit Card

When selecting a CIBC credit card, you'll want to consider your current financial situation (think annual income), as well as your spending habits.

For example, if you're carrying credit card debt, you'll want to apply for the CIBC Select Visa Card. If you want luxury Aeroplan perks, apply for the CIBC Aeroplan Visa Infinite Privilege Card. Alternatively, if you want strong cashback, especially on gas purchases, go for the CIBC Dividend Visa Infinite Card

Pros and Cons of CIBC Credit Cards

To help you better understand whether a CIBC credit card is right for you, we put together this pros and cons list:

How to Apply for a CIBC Credit Card

To apply for any of the CIBC credit cards above, simply tap the "Apply Now" button beneath your credit card of choice. Afterwards, you'll be redirected to the CIBC official website to begin the application process. Typically, credit card applications ask for personal information (such as your address, birthdate, and email) and financial information (like your income, when applicable).