The best widely-accepted cash-back card for grocery-and-gas-heavy households. Visa acceptance is its trump card over the Amex SimplyCash Preferred.
$120 annual fee · First-year net value ≈ $590 · Cash back
Issuer hub · Updated Oct 4, 2026
CIBC Credit Cards in Canada
Every CIBC credit card we track, ranked by Standard Score: Aventura, Aeroplan and cash-back earners, with the fee math and welcome-offer value for each.
| # | Card | Standard Score | Annual fee | First-year net value | Currency | Current offer |
|---|---|---|---|---|---|---|
| 1 | CIBC Dividend Visa Infinite CIBC | 7.3/10 | $120 | ≈ $590 | Cash back | See offer |
| 2 | CIBC Aeroplan Visa Infinite CIBC | 7.0/10 | $139 | ≈ $615 | Aeroplan | See offer |
| 3 | CIBC Aeroplan Visa Infinite Privilege CIBC | 6.8/10 | $599 | ≈ $945 | Aeroplan | See offer |
| 3 | CIBC Aventura Visa Infinite CIBC | 6.8/10 | $139 | ≈ $817 | CIBC Aventura | See offer |
| 5 | CIBC Aventura Visa Infinite Privilege CIBC | 6.0/10 | $499 | ≈ $517 | CIBC Aventura | See offer |
| 6 | CIBC Costco Mastercard CIBC | 5.4/10 | None | ≈ $160 | Cash back | See offer |
| 6 | CIBC Dividend Visa Card CIBC | 5.4/10 | None | ≈ $120 | Cash back | See offer |
| 8 | CIBC Aeroplan Visa Card CIBC | 4.8/10 | None | ≈ $155 | Aeroplan | See offer |
| 9 | CIBC Aventura Visa Card CIBC | 4.7/10 | None | ≈ $190 | CIBC Aventura | See offer |
| 10 | CIBC Select Visa CIBC | 3.1/10 | $29 | ≈ $0 | None (no rewards) | See offer |
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Every CIBC card, ranked
Interchangeable with the TD Aeroplan Visa Infinite. Chase whichever has the better welcome offer or fee waiver this quarter.
$139 annual fee · First-year net value ≈ $615 · Aeroplan
The Visa answer to the Amex Aeroplan Reserve: unlimited Maple Leaf Lounge access and the same status-credit engine, on a card accepted everywhere. Compelling for CIBC clients who fly Air Canada often, but the income gate and $25,000 spend for the full bonus keep it a narrow-audience card.
$599 annual fee · First-year net value ≈ $945 · Aeroplan
A perk-forward card in an average points program. The lounge visits and NEXUS rebate carry the value; the points are the supporting act.
$139 annual fee · First-year net value ≈ $817 · CIBC Aventura
The lounge access is real but capped at six visits a year, and Aventura's redemption ceiling doesn't improve much between tiers. Pay for this one only if you'll actually use the lounges often.
$499 annual fee · First-year net value ≈ $517 · CIBC Aventura
The default card for Costco members in Canada: free, simple, and well-matched to gas and restaurant spend, with no cap on what it pays out. There's no welcome offer right now, so its case rests on ongoing earn, and warehouse purchases themselves earn only the base 1%.
No annual fee · First-year net value ≈ $160 · Cash back
A solid, unglamorous free cash-back card. The 2% grocery rate is its best feature; everything else is average.
No annual fee · First-year net value ≈ $120 · Cash back
A serviceable free on-ramp to Aeroplan. Most frequent flyers should graduate to the Visa Infinite tier.
No annual fee · First-year net value ≈ $155 · Aeroplan
A fine no-cost way to dabble in Aventura points. Serious travellers should graduate to the Visa Infinite.
No annual fee · First-year net value ≈ $190 · CIBC Aventura
A near-twin of Scotiabank's Value Visa with a slightly longer 0% window and a Quebec fee waiver. Pick whichever bank you already deal with.
$29 annual fee · First-year net value ≈ $0 · None (no rewards)
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Every CIBC card here is scored on the same Standard Score as the rest of the site: see how it’s built, or browse the full card database.
To compare them with every other card that earns the same points, see Best Aeroplan Credit Cards and Best CIBC Aventura Credit Cards in Canada.