^◊ The annual fee on your CIBC U.S. Dollar Aventura^® Gold Visa* Card will be rebated if, at the time your annual fee is charged, your CIBC U.S. Dollar Aventura Gold Visa account is in good standing and you hold an eligible CIBC premium personal credit card and either the CIBC US$ Personal Account or the CIBC Bank USA Smart Account (offered by CIBC Bank USA), in good standing. Eligible CIBC premium personal credit cards include any CIBC credit card with an annual fee for the primary cardholder of $99 or more.

If you qualify, the annual fee rebate will appear as a credit on your statement.

This offer is not transferable and cannot be combined with any other offer.

This offer may be withdrawn or changed without notice at any time. CIBC may, in its sole discretion, revoke this offer if you are believed to be manipulating or abusing it, or engaging in any suspicious or fraudulent activity.

If you believe you have met all of the conditions of the offer but don’t see the rebate on the same statement as your annual fee is charged, please contact us.

The CIBC U.S. Dollar Aventura^® Gold Visa* Card can only be paid using the CIBC US$ Personal Account or any other eligible CIBC Canadian dollar deposit account. It cannot be paid using funds from the CIBC Bank USA Smart Account. 

^‡ You must apply and be approved for a new eligible card between March 1, 2019 and June 30, 2019 to qualify for this offer.

If you apply and are approved for a CIBC U.S. Dollar Aventura^® Gold Visa* Card you can receive:

i. Up to 2,500 bonus Aventura Points for completing the below activities within 60 days of your CIBC U.S. Dollar Aventura® Gold Visa* account approval. The following activities are worth 500 Aventura Points each: 1. Share your email address with CIBC; 2. Sign up for eStatements for your new U.S. Dollar Aventura Gold Visa card; 3. Add an authorized user on your new U.S. Dollar Aventura Gold Visa Card; 4. Hold any eligible CIBC chequing account; and 5. Add your U.S. Dollar Aventura Gold Visa Card with Apple Pay® or Samsung Pay or Google Pay™. It may take up to two statement cycles for the bonus Aventura Points to appear on your credit card statement after each of the above activities have been completed. You can provide us with your email address and sign up for eStatements through CIBC Online Banking, by visiting a branch or calling 1-800-465-4653. This offer is applicable to the first authorized user added only. Your authorized users will be issued the additional card(s) automatically when we get your request, as long as your credit card account is: a) still in good standing at that time, and b) your request does not exceed a total of 3 authorized users (counting any existing authorized users you may already have). Authorized users under the age of 13 can only be added by calling CIBC at1-800-465-4653. The following are eligible CIBC chequing accounts: CIBC Everyday® Chequing Account, CIBC Smart™ Account, CIBC Bank USA Smart Account™ ,CIBC Smart™ Plus Account, CIBC US$ Personal Account, CIBC Personal Chequing Account, CIBC EverydayPlus® Chequing Account, CIBC Waive Account®, CIBC Chequing Savings Account. If you already have an existing eligible CIBC chequing account or shared your email address with CIBC, you will be qualified to receive the 500 Aventura Points each. If you do not have an eligible CIBC chequing account, you may apply online or by calling 1-866-525-8622. To learn more about the mobile payment options, visit cibc.com.

ii. An additional bonus of 2,500 Aventura Points for the U.S. Dollar Aventura Gold Visa Card, if you have at least $500 in net purchases posted to your account during the first 4 monthly statement periods. For this bonus, the following do not qualify as purchases: cash advances, balance transfers, CIBC Convenience Cheques, fees, interest, Aventura Points redemptions and payments. It may take up to several business days for purchases to be posted to your account. Aventura Points are awarded to you within 8 weeks after all qualifying purchase(s) are posted to your account. Card account must be open and in good standing at the time the Aventura Points are awarded.

Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC U.S. Dollar Aventura Gold Visa Card are excluded. This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. This offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion.

¹ CIBC foreign exchange rates apply if you make non-USD payments on your credit card account. Transactions (debits and credits) not in the currency of your card are converted into the currency of your card no later than the transaction posting date, at an exchange rate that is 2.5% over the rate CIBC must pay.

² Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). Different cards will have different coverage(s). To learn about which coverage(s) are included with a specific card, and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, see cibc.com/ca/credit-card/agreements-insurance.html and the insurance certificate(s) in your card package. Some insurance coverage(s) require purchases, auto rentals, common carrier fares, hotel/motel and other trip costs to be charged to the card to activate coverage. Other conditions may also apply. Auto Rental Collision/Loss Damage Insurance (CLDI) is available for automobile rentals of up to 48 days for rental vehicles with a MSRP up to $65,000. The full cost of the rental must be charged to the card and the rental agency’s Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) must be declined. CLDI provides coverage up to the actual cash value (ACV) of the rental vehicle as defined in your insurance certificate. Note that some rental agencies may assess their damages at an amount greater than the ACV of the rental vehicle and you may be liable to them for the difference. Before declining the rental agency’s CDW or LDW, you should read carefully and compare the terms of the rental agreement, the CLDI insurance certificate in your card package and any other insurance you own to decide which coverage best meets your protection needs. Certain RSA coverages are “excess insurance” (all other sources of insurance and recovery must be exhausted before coverage is available). For more information, call RSA toll-free at 1 866 363 3338 in Canada, Continental U.S. and Hawaii or collect from elsewhere at 905 403 3338.

³ Interest rates will change from time to time on at least 30 days prior notice to the primary cardholder. "Purchase" means card purchases less returns and does not include: cash advances, interest, fees, balance transfers, payments and CIBC Convenience Cheques. "Cash" means cash advances, balance transfers and CIBC Convenience Cheques.

⁴ For full details view the maximum ticket prices and Aventura Flight Rewards Chart at the CIBC Rewards CentreOpens a new window in your browser.. Some airlines may impose fees, restrictions or other conditions on air travel. Aventura Points will be cancelled if they remain unredeemed for 60 days after you voluntarily close your Aventura credit card account or within 12 months of the primary cardholder’s death.

⁵ Aventura Points are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments, regular CIBC Convenience Cheques or Aventura Points redemptions. Aventura Rewards and Program Terms may change without notice. Taxes, fees and other charges may apply to Rewards. Aventura Points earned on purchases during a monthly statement period may not be credited to you if your card is not in good standing at any time during the monthly statement period.

⁶ The rewards calculator tool is only for general illustration purposes; your actual results may differ. Aeroplan Miles, Aventura Points, cash back and Tim Cash are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments, regular CIBC Convenience Cheques, Aeroplan Mile and Aventura Point redemptions (as applicable). For the Aerogold Visa Infinite Card, the Aventura Visa Infinite Card and the Aerogold Visa Card, 50% more Aeroplan Miles or Aventura Points on gas, grocery and drugstore card purchases is only available on the first $80,000 in net annual card purchases on your account (meaning all card purchases by all cardholders, at any type of merchant); after that, net card purchases at grocery, drugstore and gas merchants will earn Aeroplan Miles or Aventura Points at the regular rate. For the Aerogold Visa Infinite Privilege Card, 50% more Aeroplan Miles on gas, grocery and drugstore card purchases is only available on the first $100,000 in net annual card purchases on your account (meaning all card purchases by all cardholders, at any type of merchant); after that, net card purchases at grocery, drugstore and gas merchants will earn Aeroplan Miles or Aventura Points at the regular rate. For CIBC cash back credit cards, cash back is earned on a tiered basis and is dependent upon the net annual dollar amount spent on the card over the year to date. For details about earning and redeeming rewards, the Welcome Bonus and other card benefits, including terms and conditions, review the benefit guides found hereAgreements and insurance..⁹  Aventura Points can be redeemed for up to 100% of the cost of airfare, subject to maximum ticket price applicable to destination (see Aventura Airline Rewards Chart for more details), as well as (if you have sufficient Aventura Points) for taxes and other charges on airfare purchased through the CIBC Rewards CentreCIBC Rewards Centre. Opens a new window in your browser.. Use of points towards taxes and fees is in addition to the number of points required for the base fare, as outlined on the Aventura Airline Rewards Chart. You must book all flights through the CIBC Rewards Centre. Some taxes and other charges may be collected locally or when you are travelling, and cannot be prepaid; please ask a CIBC Rewards Centre Counsellor for details.

⁷ Only primary cardholders are permitted to perform a “Payment with Points” or “Financial Product with Points” redemption. Authorized users and delegates are not eligible. Redemptions are non-refundable, non-exchangeable and non-transferable unless you are advised otherwise. Requested redemption amount must be equal to or less than the cardholder’s available points balance. Points to dollars conversion ratio is determined by CIBC and can be changed at any time without notice.

Payment with Points redemption towards credit cards balances will be reflected within 2 business days.

⁸ CIBC Rewards Program clients may "transfer," which means move, the Aventura points earned from eligible Aventura credit card accounts, where they are the primary cardholder or Rewards Officer. Transferring Points can be done between Aventura credit cards through CIBCRewards.com or by calling the CIBC Rewards Centre at 1-888-232-5656. Authorized Users and Delegates cannot perform points transfer transactions, but will be able to view any points transfer activity on the Primary’s account in their account history. Points entered must be positive and within the minimum of 1 and the maximum of total points available in the account, at the time of performing points transfers. The Credit Card Accounts that you wish to transfer points between must be in good standing.

⁹ Discounts are determined by the participating rental agency and apply to time and kilometre or mileage charges only.

¹⁰ CIBC Emergency Travel Medical Insurance is underwritten by Co-operators Life Insurance Company and is administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. This insurance is subject to eligibility conditions, limitations and exclusions (including pre-existing medical condition exclusions), which are contained in the certificate of insurance you receive following enrollment. For more information call CIBC Travel Insurance at 1-800-281-9109.

¹¹ We may withdraw approval if we become aware of any unfavourable information regarding your financial position or account status, or if you are unable to provide any additional information reasonably requested by CIBC. The application response time may take longer than 60 seconds in the event of technology issues. If you supply your email address, an application status email will be sent as soon as the technology issues are resolved. Otherwise, you will receive a response to your credit card application within 7 to 10 business days.

All information is valid at the time of publication and is subject to change without notice.