Earn Rates
💡 4% gas, EV charging and groceries. 2% transit, dining, recurring payments and travel via CIBC Expedia. 1% all other purchases.
Welcome Bonus
Smart Bonus Strategy — Earn 2,000 points
Spend $2,000 within 4 months
Minimum spend bonus
Spend $2,000 in 4 months
optimal stopcash back bonus+$200Min. spend earnings2,000 pts × 1.0¢+$20
Annual fee (waived yr 1)$0
Net first-year value+$220
Not Included in Smart Bonus Strategy
$50 when you set up your first pre-authorized payment in the first 4 statements
Spend $0 in 4 months
0 pts × 1.0¢+$0Annual Rewards Calculator
Based on average spending, you could earn
$765
conservative est.·up to $765 optimistic
Compare to Similar Cards
MBNA Smart Cash Platinum Plus Mastercard
Cash Back1.0¢ exact
$0 annual fee
you could earn$377
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