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 ≈ $560 · Cash back
Issuer hub · Updated 2026-07-12
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 shown for each.
| # | Card | Standard Score | Annual fee | First-year net value | Currency | Current offer |
|---|---|---|---|---|---|---|
| 1 | CIBC Dividend Visa Infinite CIBC | 7.5/10 | $120 | ≈ $560 | Cash back | See offer |
| 2 | CIBC Aeroplan Visa Infinite CIBC | 7.3/10 | $139 | ≈ $1,090 | Aeroplan | See offer |
| 3 | CIBC Aeroplan Visa Infinite Privilege CIBC | 7.0/10 | $599 | ≈ $1,301 | Aeroplan | See offer |
| 4 | CIBC Aventura Visa Infinite CIBC | 6.6/10 | $139 | ≈ $460 | CIBC Aventura | See offer |
| 5 | CIBC Aventura Visa Infinite Privilege CIBC | 6.1/10 | $499 | ≈ $550 | CIBC Aventura | See offer |
| 6 | CIBC Costco Mastercard CIBC | 5.6/10 | None | ≈ $260 | Cash back | See offer |
| 7 | CIBC Dividend Visa Card CIBC | 5.4/10 | None | ≈ $120 | Cash back | See offer |
| 8 | CIBC Aeroplan Visa Card CIBC | 4.8/10 | None | ≈ $250 | Aeroplan | See offer |
| 9 | CIBC Aventura Visa Card CIBC | 4.7/10 | None | ≈ $190 | CIBC Aventura | See offer |
| 10 | CIBC Select Visa CIBC | 3.2/10 | $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 ≈ $1,090 · 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 ≈ $1,301 · 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 ≈ $460 · CIBC Aventura
The lounge access is real and unlimited, but 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 ≈ $550 · CIBC Aventura
The default card for Costco members in Canada: free, simple, and well-matched to gas and warehouse spend, though the annual payout and membership requirement are real friction points.
No annual fee · First-year net value ≈ $260 · 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 ≈ $250 · 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.