Spending power. Recognition. An exclusive selection of benefits. The CIBC Platinum Visa card offers the everyday conveniences you need and the recognition you deserve - with no annual fee.

You'll enjoy a host of genuine CIBC Platinum Visa features, such as a credit limit of at least $5,000 (up to $50,000) and a bundle of no-fee insurances. Basic cards just can't compare.

1 The current regular annual interest rate is 19.5% for purchases and 21.5% for cash advances, balance transfers and Convenience Cheques.

2 All insurance is subject to limitations and exclusions outlined in the insurance certificates distributed with the Card Package. Common carrier fares and other trip costs must be charged to the card prior to your departure to activate certain coverages. $500,000 Common Carrier Accident Insurance is available only to the primary cardholder and his/her spouse and dependent children; coverage is up to $500,000. Visa Auto Rental Collision/Loss Damage Insurance applies for rental periods up to 48 days, only; to activate coverage, the car rental agency's collision damage waiver insurance must be declined and the full cost of the rental must be charged to your card. The Purchase Security feature helps protect most new items of personal property when the purchase price is charged to your card by insuring the item for 90 days from purchase in the event of loss, theft or damage. The Extended Protection feature doubles the term of your original Canadian or U.S. manufacturer's warranty up to one year on most new items of personal property when the purchase price is charged to your card. All insurances are underwritten by Royal & Sun Alliance Insurance Company of Canada and subject to limitations and exclusions contained in the insurance certificates distributed with the Card Package. The Purchase Security Insurance is "excess insurance" (meaning it covers you only to the extent your claim exceeds any other collectible insurance that would apply without this insurance).

3 Avis discounts are available at participating Avis locations and are applied automatically when you use the Card to pay for the rental (Quebec residents may obtain the discount without using their Card, provided they show the Card when paying by an alternative payment option acceptable to Avis).

4 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 cards, Personal Lines of Credit or Loans and Mortgages. Convenience Cheques cannot be certified.

5 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™1 service is provided by Dominion Automobile Association (DAA).

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