Earn Rates
💡 2x dining, groceries, gas, transit, entertainment and travel. 3x travel via CIBC Rewards portal. 1.25x all other purchases.
Welcome Bonus
Smart Bonus Strategy — Earn 57,500 points
See spend breakdown below
Minimum spend bonus
Spend $3,000 in 4 months
25,000 pts × 1.0¢+$250Minimum spend bonus
Spend $3,000 in 4 months
optimal stop25,000 pts × 1.0¢+$250Min. spend earnings7,500 pts × 1.0¢+$75
Annual benefits$200 annual travel credit, lounge access, NEXUS rebate, premium travel insurance+$200
Annual fee-$499
Net first-year value+$276
Not Included in Smart Bonus Strategy
30,000 anniversary bonus points after $25,000 in purchases in the first 12 monthly statement periods
Renewing the card unlocks this bonus — factor in whether the benefit and/or points justify paying the annual fee.
30,000 pts × 1.0¢+$300Annual Rewards Calculator
Based on average spending, you could earn
$100
conservative est.·up to $100 optimistic
Annual Benefits
$200 annual travel credit, lounge access, NEXUS rebate, premium travel insurance
Value: $200 first year
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