Wallet

‡ If you apply and are approved for a new CIBC Select Visa Card, you can receive 0% interest for up to 10 statement periods from the date of application on balances transferred if: your account is in good standing at the time the balance transfer is processed and the balance transfer amount is at least $100. Otherwise, the regular annual interest rate for cash advances will apply to the balance transfer amount. If the balance transfer amounts exceed your approved credit limit determined by CIBC at the point of credit application, it will not be processed. Once you take advantage of this offer, you will have a promotional rate balance on your account. As a result, you will lose your interest-free grace period on new purchases unless you pay your entire balance, including any promotional rate balances, in full each month. While you will enjoy the promotional rate on the balances of $100 or more that you add by using this offer, new purchases will be subject to interest.

Balance transfers of amounts less than $100 are not eligible for this promotional balance transfer offer and will be subject to the regular interest rate for Cash Advances applicable to your account.

For balance transfer amounts below $100: 

• Interest applies from the date the transfer is posted to your CIBC credit card account
• You are also responsible for any payments and interest due on the non-CIBC accounts you are transferring balances from
• Interest may be charged at the same time on both your CIBC card account and the other non-CIBC account until the transfer amount is credited to that non-CIBC account
• The balance transfer does not cancel your non-CIBC account.
• We are unable to assist you with disputes for balance transfer transactions or transactions made with a CIBC Convenience Cheque
• No product incentives are given with balance transfers

If you do not pay your Required Payment by the payment due date in any two consecutive statement periods during the promotional period, you will lose the benefit of this promotional interest rate offer and, effective the first day of the next monthly statement period after the second consecutive missed Required Payment, the regular annual interest rate for cash advances will apply to any remaining balance transfer amounts. For residents outside of Quebec: A Required Payment means the sum of interest, fees and any past due amount plus up to $10 based on your amount due. Any annual fee is excluded from this calculation. If your balance is under $10, that lesser amount is your Required Payment. For Quebec residents: A Required Payment means any past due amount plus the greater of your percent of amount due or $10. If your balance is under $10, that lesser amount is your Required Payment.

For all clients other than Quebec residents, your Required Payment means:

a) any interest (excluding Installment Plan interest); plus

b) fees (excluding the annual fee); plus

c) any past due amount; plus

d) the lesser of either $10, or your Amount Due minus a) to c).

For Quebec residents, Required Payment means any past due amount plus the greater of your Percent of Amount Due (defined in your Summary of Annual Interest Rates and Fees) or $10.

For all clients including Quebec residents, if your Balance excluding Installment Plans is under $10, that lesser amount is your Required Payment.

Balance transfers are processed in Canadian dollars and cannot be converted to other currencies.

The promotional interest rate is charged on balance transfer balances of $100 or more from the date they are posted to your account until the end of the offer period. After the promotional period, any remaining balance transfer balances will be charged interest at the regular annual interest rate for cash advances, until the balance is repaid in full. During the promotional period, the regular annual interest rate for purchases will apply to purchase transactions and the regular annual interest rate for cash advances will apply to balance transfer(s) that do not qualify for the promotional interest rate (such as balance transfers less than $100). See your CIBC Cardholder Agreement for details on how interest is calculated.

A fee of 1% of the balance transfer amount will be charged to your account when the balance transfer amount of $100 or more is posted to your account. If you do not pay off your amount due in full by the due date, interest will be charged on the fee at the regular annual interest rate for purchases from the date the fee is posted to your account. This fee is not applicable to Quebec residents.

You will not be approved for a balance transfer amount that exceeds your assigned cash limit or is greater than 50% of your assigned credit limit.

If a balance transfer amount plus the balance transfer fee results in you exceeding your available credit or available cash limit, we may not approve the balance transfer, and may charge you a dishonoured balance transfer fee, or we may honour the balance transfer at the regular annual interest rate for cash advances and charge you anapplicable overlimit fee. See your Summary of Rates and Fees. No partial balance transfer amount will be applied.

Payments will be applied to your account as set out in the “How We Apply Payments to Your Account” section of your CIBC Cardholder Agreement and these terms and conditions. You cannot choose to apply your payments to your regular annual interest rate balances and leave your promotional interest rate balance transfer (“Promo BT”) balances outstanding.

For personal cardholders only that are not Quebec residents: If there are two or more Promo BTs with the same promotional interest rate, the excess amount of any payment that is more than your minimum payment but less than your amount due that is applicable to those Promo BT balances will be allocated based on the expiry date of the promotional offer, starting with the Promo BT that will expire first. For example, if your account has Promo BTs with the same promotional interest rate that will expire in January, February and March in the same year, then that portion of your excess amount will first be allocated to the Promo BT that will expire in January, then to the Promo BT that will expire in February and, lastly, to the Promo BT that will expire in March.

For personal cardholders only that are Quebec residents: If there are two or more Promo BTs with the same promotional interest rate, each promotional interest rate balance will be treated as separate groups for the purpose of determining how payments are applied. Payments received that must be applied to these groups will be allocated based on the expiry date of each promotional offer, starting with the group representing the Promo BT balance that will expire first. For example, if your account has Promo BTs with the same promotional interest rate that will expire in January, February and March in the same year, then that portion of your payment will first be allocated to the Promo BT that will expire in January, then to the Promo BT that will expire in February and, lastly, to the Promo BT that will expire in March.

Interest on the balance transfer amount may be charged on both your CIBC account and the non-CIBC account(s) from which you are transferring a balance until the transferred amount is credited to the non-CIBC account(s). You are responsible for any payments due on the non-CIBC account(s) from which you are transferring a balance. Balance transfer(s) do not result in the cancellation of your non-CIBC account(s). Balance transfers cannot be used to make a payment on any other CIBC credit card, CIBC loan product or Simplii Financial credit card. Balance transfers do not qualify to earn loyalty points, rebates or cash back rewards. We are unable to assist you with disputes for balance transfer transactions made with a CIBC Convenience Cheque.

Promotional interest rate offer is available on select credit card accounts and is not transferable.

We may make changes to these terms and conditions at any time with or without prior notice unless advance notice is required by law. CIBC may notify you of such changes by sending a notice in accordance to the terms of your CIBC Cardholder Agreement.

This offer may be withdrawn or changed without prior notice at any time. 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 any suspicious or fraudulent activity.

† To participate in this offer, you must have an eligible CIBC credit or debit card. For full offer details, refer to the CIBC and Journie Rewards Program Terms and Conditions.

Participating locations include select retail Chevron, Fas Gas (after Oct 6, 2021), Pioneer or Ultramar branded gas stations in Canada. For a full list of participating stations, visit the Journie website.

You will save three cents ($0.03) per litre at the time of your purchase if you present your Journie Rewards card or app and use your linked CIBC card to pay. Available at participating locations on any grade of gasoline or diesel up to 100 litres per transaction. To get the discount, you must be enrolled in and use CIBC Online Banking® or the CIBC Mobile Banking® App to link your eligible CIBC card(s) to Journie Rewards. Card linking may take up to two (2) business days. To participate in this offer, you must have a CIBC debit card or eligible credit card issued by CIBC. All Simplii cards are excluded. For full program terms and conditions, visit CIBC and Journie Rewards.

If the seven cents ($0.07) reward is selected as your 300 points preference in the app, once your Journie Rewards account has reached three hundred (300) Journie Points, you will automatically save an additional seven cents ($0.07) per litre on your next fuel purchase transaction made within 60 days, up to a maximum of 100 litres, if you swipe your plastic Journie Card at the pump. If you begin by entering the 10-digit phone number associated with your Journie account at the pump, you will have the option to save seven cents ($0.07) per litre on your next fuel purchase transaction made within 60 days, up to a maximum of 100 litres. This option is set to ON by default in your App. Once you pass 300 points, your balance will reset and start counting toward 300 points and your next seven cents ($0.07) fuel discount. For more details, visit Journie Rewards terms and conditions.

Participating locations include select retail Pioneer, Fas Gas, Ultramar and Chevron branded gas stations in Canada. For full list of participating locations, visit Journie Rewards destinations.

™ All of Journie Rewards trademarks are owned by Parkland Corporation.

™ All of Pioneer’s trademarks are owned by Parkland Corporation.

™ Ultramar is a registered trademark of Valero Energy Inc., used under license.

CHEVRON is a registered trademark of Chevron Intellectual Property LLC, used under license.

†† 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).