1 The card’s interest rate will change from time to time on 30 days prior notice to cardholders. If your credit rating and financial situation do not meet certain criteria set by CIBC, CIBC may still issue the card, but at a rate of 24%.
2 Applies to new, approved Primary Cardholders only. Bonus Aeroplan Miles are awarded after the first purchase is made with the card. This offer cannot be combined with any other offer.
3 This offer is only available on the CIBC Aerogold Visa Card. The 50% more offer applies only to CIBC Aerogold Visa Card purchases (less returns) at merchants which are classified in the Visa network as grocery stores, service stations/automated gas dispensers or drugstores. Some merchants may sell these products/services, or are separate merchants who are located on the premises of these merchants, but are coded in another manner, in which case this added benefit would not apply. Any returns or other credits for card purchases at grocery, gas or drug stores will be deducted from your Aeroplan Account at the rate of 1.5 Aeroplan Miles for each dollar in returns/credits. This bonus Miles offer is only available on the first $80,000 in net annual Card purchases per Aerogold Account (meaning all card purchases by all cardholders, at any type of merchant); after that, net card purchases at these merchants will earn Aeroplan Miles at the regular rate. The $80,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchant categories may change without notice.
4 Applies to any available seat in Economy Class/Executive First® additional miles may be required. See Aeroplan.com for details. ClassicPlus Flight rewards are eligible on e-ticket destinations only. See Aeroplan.com for details.
5 Aeroplan rules require at least one accumulation or redemption transaction each year in an Aeroplan account or the Aeroplan Miles will expire. CIBC has ensured that this doesn’t happen to Aerogold cardholders in good standing. Please note, however, that Aeroplan Miles will expire if they are not redeemed within 7 years from when they were earned (or by Dec. 31, 2013, for Miles earned before 2007). See www.aeroplan.com for details.
6 Aeroplan Miles are earned on card purchases less returns, and not on cash advances (including by CIBC Convenience Cheque or balance transfer), fees, interest or payments. Aeroplan Miles will be awarded only if your CIBC Aerogold VISA Card Account is in good standing on each monthly statement date (otherwise, miles are cancelled). Aeroplan Miles are not actual miles but points towards Aeroplan rewards, including flights. Taxes, landing and departure fees and other charges and surcharges may apply to Aeroplan reward travel. Aeroplan partners, rules and regulations are subject to change without notice.
7 The CIBC ADVANTEX BENEFIT applies only if the card is used for payment at participating establishments. Some restrictions may apply. Please visit http://www.aerogold-advantex.com for full terms and conditions. The number of Bonus Aeroplan Miles awarded depends on the offer of the particular CIBC ADVANTEX BENEFIT establishment. The CIBC ADVANTEX BENEFIT cannot be combined with other promotional offers and may not be valid with certain discounts and offers. CIBC ADVANTEX BENEFIT terms, conditions, and participating merchants may change without notice. The CIBC ADVANTEX BENEFIT program is owned and operated by Advantex Marketing International Inc.
8 Transactions must first be posted to your accountbefore they can trigger a spend alert. It may then take up to 24 hours after atriggering transaction is posted for an alert to be sent.
9 This service is provided by Equifax Canada, aleading credit bureau in Canada.
10 All insurance is subject to limitations and exclusions outlined in the Insurance Certificates distributed with the Card Package. Visa Auto Rental Collision/Loss Damage Insurance applies for rental periods not exceeding 48 days; the auto rental agency’s Collision Damage Waiver Insurance must be declined and the full cost of the rental must be charged to your card; underwritten by Royal & Sun Alliance Insurance Company of Canada. $500,000 Common Carrier Accident Insurance is underwritten by American Home Assurance Company. Common carrier fares must be charged to the card to activate coverage; Flight Delay and Baggage Insurance is underwritten by RBC Insurance Company in Quebec, and RBC Insurance Company of Canada in the rest of Canada.
11 AVIS car rental discounts are available at participating AVISlocations and are applied automatically when you use the Card to pay for therental (Quebec residents may obtain the discount without using their Card,provided they show the Card when paying by an alternative payment optionacceptable to AVIS).
12 Personalized CIBC Convenience Cheques can be ordered by calling a CIBC Card Services Representative. Convenience Cheques are treated as cash advances. Convenience Cheques bear interest from the date they are posted to your credit card account. Cheques cannot be used for payments on or balance transfers from other CIBC credit cards, Personal Lines of Credit , Loans and Mortgages. Convenience Cheques cannot be certified. Cheques are treated as cash advances and do not earn Aeroplan Miles.
13 Cash advances bear interest from the date they are taken. Advances are subject to available credit and daily limits.
14 The market rate guarantee applies to tows of less than 50 kms and non-towing services, only; if you get a lower, written quote for the same service from another towing operator in the same market area, you’ll be reimbursed the difference between that quote and what you paid the towing company to which you were referred. The Driver Assist service is provided by Dominion Automobile Association (DAA).
® Registered Trademark of CIBC
® Aerogold and Aeroplan are Registered Trademarks of Aeroplan LP. CIBC Authorized Licensee of Marks.
®1 Executive Class/Executive First is a registered Trademark of Air Canada, used under license.
®2 ADVANTEX is a registered Trademark of Air Canada, used under license.
TM Driver Assist and "CIBC For what matters" are Trademarks of CIBC.
TM1 ClassicPlus Flight is a Trademark of Aeroplan Limited Partnership.
TM2 Air Canada Jazz is aTrademark of Air Canada.
* Visa Int./Lic. User.