CIBC
Earn up to 4% cash back on select categories in Canada. Enjoy offers with no annual fee options, rates from 20.75% to 22.99%, and accessible rewards.
CIBC’s cash back credit card lineup is ideal for Canadians looking to maximize their everyday purchases. The CIBC Dividend Visa Infinite Card, CIBC Dividend Platinum Visa, and CIBC Dividend Visa Card all offer rewarding cash back rates, with up to 4% on select gas, grocery, and electric vehicle charging purchases. Interest rates generally range from 20.75%–22.99% depending on the card, with purchase and cash interest rates clearly displayed. While some cards require an annual fee (up to $120), several no-fee options are available. Approval criteria may include a credit check and eligibility according to the card type.
Come candidarsi: passo dopo passo
- Pick the CIBC cash back card that suits your lifestyle.
- Visit the official CIBC website’s cash back cards section.
- Select “Apply now” for your chosen card.
- Compila i dati personali e finanziari richiesti.
- Submit your application and await a response, usually within minutes.
Pros of CIBC Cash Back Credit Cards
One significant advantage is the high cash back rates on everyday categories, making it easy to earn rewards quickly. Flexible redemption also allows users to access their rewards when it matters most via online or mobile banking. Some cards come with valuable perks, such as mobile device insurance, extended warranty coverage, and exclusive offers for students or businesses.
Cons of CIBC Cash Back Credit Cards
One downside is that top-tier rewards are often limited to certain spending categories, so maximizing cash back requires planned spending. Additionally, cards with higher rewards may include annual fees, which might not suit everyone, especially if you rarely use credit cards for larger purchases or travel benefits.
Verdict: Should You Get a CIBC Cash Back Credit Card?
For Canadians seeking value in their everyday expenses, CIBC cash back cards are a competitive choice. While some benefits are tied to annual fees or specific spending habits, the broad selection ensures options for various needs. Thoughtfully weighing the pros and cons can help you decide if these cards align with your financial goals.
