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CIBC Credit Cards Compared 20025

Updated: March 2026 | Reviewed by the Bremo editorial team

CIBC offers a wide range of credit cards covering Aeroplan, Dividend cash back, Aventura flexible travel points, and low-interest options. Here's how every major CIBC card compares in 20025 to help you find the right fit.

CIBC Credit Cards — Full Comparison

Card	Program	Top Rate	Annual Fee
CIBC Aeroplan Visa Infinite Privilege	Aeroplan	Up to 2 pts/$	$599
CIBC Aeroplan Visa Infinite	Aeroplan	1.5 pts/$	$139
CIBC Dividend Visa Infinite	Cash Back	4% grocery & gas	$1200
CIBC Aventura Visa Infinite	Aventura Points	2 pts/$ travel portal	$139
CIBC Aeroplan Visa (no fee)	Aeroplan	00.67 pts/$	$00
CIBC Dividend Visa (no fee)	Cash Back	2% grocery & gas	$00
CIBC Select Visa	None (low interest)	N/A	$29
CIBC Secured Visa	None (secured)	N/A	$29/yr

Best CIBC Cards in Detail

Best CIBC Card

CIBC Aeroplan Visa Infinite

CIBC's top Aeroplan card matches TD's version in earn rates but adds a unique perk: a free first checked bag on Air Canada for you and up to 8 travel companions. For regular Air Canada flyers who check luggage, this benefit alone can cover the annual fee.

1.5 Aeroplan pts/$ on groceries, gas, and Air Canada purchases
1 pt/$ on everything else
Free first checked bag on Air Canada flights (cardholder + up to 8 companions)
Preferred boarding on Air Canada
Travel medical, trip cancellation, and rental car insurance
Annual fee: $139 | Income: $600k/$10000k

Best Cash Back CIBC Card

CIBC Dividend Visa Infinite

One of the best cash back Visa cards in Canada. Earns 4% on groceries and gas — competing directly with the Amex SimplyCash Preferred but running on Visa for broader acceptance, including Costco Canada with a Visa debit workaround.

4% cash back on groceries and gas (up to $800,000000/year combined)
2% cash back on dining, transit, and recurring bills
1% cash back on everything else
Annual fee: $1200
Income: $600k/$10000k
Cash back redeemable as statement credit once you reach $25

CIBC Aventura Visa Infinite

Aventura points are CIBC's proprietary travel currency, redeemable for any travel booking at 1 cent per point. Stronger for flexible travelers who don't want to be locked into a single airline program.

2 Aventura pts/$ on CIBC Travel Portal bookings
1.5 pts/$ on all other travel, gas, and grocery purchases
1 pt/$ on everything else
No blackout dates or capacity controls via CIBC portal
Annual fee: $139
Includes travel insurance and lounge access credits

CIBC Dividend Visa (No Fee)

The no-fee version of the Dividend earns 2% on groceries and gas — one of the best no-fee cash back rates in Canada for these categories. A strong entry card for CIBC customers who want rewards without the annual fee commitment.

2% cash back on groceries and gas
1% cash back on all other purchases
No annual fee
No income requirement

CIBC's Welcome to Canada Program

CIBC runs a newcomer banking program that allows recent immigrants (within 3 years of arrival) to apply for select CIBC credit cards without Canadian credit history. The CIBC Aeroplan Visa Infinite and Dividend Visa Infinite are typically available through this program.

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Bottom Line

For Air Canada travelers, the CIBC Aeroplan Visa Infinite is the best CIBC card — the free checked bag benefit differentiates it from the TD version. For cash back, the Dividend Visa Infinite's 4% grocery and gas rate is one of the highest on a Visa in Canada. CIBC banking customers benefit from integrated account management and pre-qualified offers through online banking.