Illustration, not the actual card design.
What it's worth before you spend
Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.
Every year
$0
+$0 yearly credits
−$0 fee
Plus 3 benefits with no fixed dollar value, like Avis and Budget rental discount, Purchase Security and Extended Protection. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Oct 10, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.
Welcome offer
No welcome offer right now. Offers come and go; the rates below are what this card earns every day.
What it earns
Cash back, straight onto your statement.
| Where you spend | Earns | Back per $1 (est.) |
|---|---|---|
| Groceries | 2% back | 2¢ |
| Dining & Restaurants | 1% back | 1¢ |
| Gas & Fuel | 1% back | 1¢ |
| Transit | 1% back | 1¢ |
| Recurring Bills | 1% back | 1¢ |
| Everything else | 0.5% back | 0.5¢ |
What else you get
Perks
- Avis and Budget rental discount
Up to 30% off base rates with Avis Pay Now or up to 35% off base rates with Budget Pay Now at participating locations worldwide
Insurance
- Purchase Security
Loss, theft or damage to most new items within 90 days of purchase; $60,000 maximum per cardholder across all CIBC cards
- Extended Protection
Doubles the manufacturer's warranty, up to 1 extra year
Got this card? We'll tell you when to use it.
PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.
Fine print
Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by CIBC. Card and program names belong to their owners.
Details last checked Oct 10, 2026.