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Choose from a selection of exclusive CIBC offers and earn cash back while you save Read online DISCOVER NEW GETAWAY DEALS. TRAVEL MORE. EARN MORE. Tailor your next adventure to a selection of travel and experience offers Nimash, discover something special, including exclusive offers and exciting rewards with your CIBC Dividend® credit card1 Get ready for summer. With all your CIBC credit card perks, soaking up summertime just got a little easier and a lot more fun. Explore Now Travel made easier Travel on your terms with CIBC Pace It™ Pay your way with CIBC Pace It™ and add the bonus of flexibility to pay for your larger purchases with a lower interest rate installment plan by choosing from a selection of fixed term options. Conditions apply.^ Travel insurance included with your CIBC credit card‡ Learn about your CIBC coverage here. Please rate the helpfulness of this email: Not at all helpful Very helpful 1For CIBC Dividend credit cards CIBC Dividend® Visa Infinite* Card Earn 4% cash back on purchases, less returns, at merchants classified by the credit card network as grocery stores and supermarkets or gas service stations and automated fuel-dispensers. Earn 2% cash back on purchases, less returns, at merchants classified by the credit-card network as (i) local and suburban commuter transportation in Canada, including subway, streetcar, taxi, limousine and ride-sharing services (excludes merchants that may be classified as travel services or travel bookings such as air transport, car rentals and cruises), (ii) eating places and restaurants, drinking places and fast food restaurants, or (iii) recurring payments that are pre-authorized with a merchant to occur on a regular daily, monthly or annual schedule and classified by the merchants as recurring. All other purchases earn 1% cash back. The 4% and 2% cash-back offers are only available on the first $80,000 in net annual card purchases, meaning all card purchases by all cardholders, at any type of merchant, or $20,000 on grocery stores, supermarkets, gas service stations and automated fuel-dispensers, commuter transportation, eating and drinking places and restaurants or on recurring payments on your account, whichever comes first; after that, net card purchases at all merchants, including grocery stores, supermarkets, gas service stations and automated fuel-dispensers, commuter transportation, eating and drinking places and restaurants, or on recurring payments will earn cash back at the regular rate of 1%. The $80,000 limit and the $20,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchants and merchant categories may change without notice. Cash back is earned on card purchases less returns and not on cash advances, CIBC Global Money Transfers™, interest, fees, balance transfers, payments or CIBC Convenience Cheques. Credits for returns made on your account may result in a deduction of cash back at a higher earn rate, even though the return may relate to a purchase that earned cash back at a lower rate. We may make special offers, including offers to earn cash back on CIBC Global Money Transfers™, which may be for a limited period and contain additional terms and conditions. The cash back is accumulated each month, beginning with the January statement and ending with the December statement. Only Primary Cardholders are permitted to make a cash back redemption. Authorized Users are not eligible to redeem cash back dollars. The Primary Cardholder may redeem cash back at any time during the year provided they have a minimum cash back balance of $25 at the time the redemption request is made. The minimum cash back redemption amount is $25. Cash back will be credited to the primary cardholder’s account within 5 days of the date the redemption request is made. Any cash back amount that is not redeemed by the Primary Cardholder by the last day of the period covered by your December statement will automatically be redeemed, resulting in your cash back balance being reset to zero, and applied as a credit on your next statement, or, in limited circumstances, at such other time as may be permitted by CIBC. CIBC is not required to credit your account with cash back earned during a monthly statement period if your credit card account is not open and in good standing at any time during a monthly statement period. Credit card account must also be open and in good standing at the time the cash back is redeemed. CIBC Dividend Platinum® Visa* Card Earn 3% cash back on purchases, less returns, at merchants classified by the credit card network as grocery stores and supermarkets or gas service stations and automated fuel dispensers. Earn 2% cash back on purchases, less returns, at merchants classified by the credit card network as (i) local and suburban commuter transportation in Canada, including subway, streetcar, taxi, limousine and ride-sharing services (excludes merchants that may be classified as travel services or travel bookings such as air transport, car rentals and cruises), (ii) eating places and restaurants, drinking places and fast food restaurants, or (iii) recurring payments that are pre-authorized with a merchant to occur on a regular daily, monthly or annual schedule and classified by the merchant as recurring. All other purchases earn 1% cash back. The 3% and 2% cash back offers are only available on the first $80,000 in net annual card purchases, meaning all card purchases by all cardholders, at any type of merchant, or $20,000 on grocery stores, supermarkets, gas service stations and automated-fuel dispensers, commuter transportation, eating and drinking places and restaurants or on recurring payments on your account, whichever comes first; after that, net card purchases at all merchants, including grocery stores, supermarkets, gas service stations and automated fuel dispensers, commuter transportation, eating and drinking places and restaurants or on recurring payments will earn cash back at the regular rate of 1%. The $80,000 limit and the $20,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchant/merchant categories may change without notice. Cash back is earned on card purchases less returns and not on cash advances, CIBC Global Money Transfers™, interest, fees, balance transfers, payments or regular CIBC Convenience Cheques. Credits for returns made on your account may result in a deduction of cash back at a higher earn rate, even though the return may relate to a purchase that earned cash back at a lower rate. We may make special offers, including offers to earn cash back on CIBC Global Money Transfers, which may be for a limited period and contain additional terms and conditions. The cash back is accumulated each month, beginning with the January statement and ending with the December statement. Only Primary Cardholders are permitted to make a cash back redemption. Authorized Users are not eligible to redeem cash back dollars. The Primary Cardholder may redeem cash back at any time during the year provided they have a minimum cash back balance of $25 at the time the redemption request is made. The minimum cash back redemption amount is $25. Cash back will be credited to the Primary Cardholder’s account within 5 days of the date the redemption request is made. Any cash back amount that is not redeemed by the Primary Cardholder by the last day of the period covered by your December statement will be automatically redeemed, resulting in your cash back balance being reset to zero, and applied as a credit on your next statement, or, in limited circumstances, at such other time as may be permitted by CIBC. CIBC is not required to credit your account with cash back earned during a monthly statement period if your credit card account is not open and in good standing at any time during a monthly statement period. Credit card account must also be open and in good standing at the time the cash back is redeemed. CIBC Dividend® Visa* Card Earn 2% cash back on purchases, less returns, at merchants classified by the credit card network as grocery stores and supermarkets. Earn 1% cash back on purchases, less returns, at merchants classified by the credit card network as (i) gas service stations and automated fuel-dispensers, (ii) local and suburban commuter transportation in Canada, including subway, streetcar, taxi, limousine and ride-sharing services (excludes merchants that may be classified as travel services or travel bookings such as air transport, car rentals and cruises), (iii) eating places and restaurants, drinking places and fast food restaurants, or (iv) recurring payments that are pre-authorized with a merchant to occur on a regular daily, monthly or annual schedule and classified by the merchants as recurring. All other purchases earn 0.5% cash back. The 2% and 1% cash offers are only available on the first $80,000 in net annual card purchases, meaning all card purchases by all cardholders, at any type of merchant, or $20,000 on grocery stores, supermarkets, gas, service stations and automated fuel-dispensers, commuter transportation, eating and drinking places and restaurants, or on recurring payments; after that, net card purchases at all merchants, including grocery stores, supermarkets, gas, service stations and automated fuel-dispensers, commuter transportation, eating and drinking places and restaurants or on recurring payments will earn cash back at the regular rate of 0.5%. The $80,000 limit and the $20,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchant categories may change without notice. Cash back is earned on card purchases less returns and not on cash advances, CIBC Global Money Transfers™, interest, fees, balance transfers, payments and regular CIBC Convenience Cheques. Credits for returns made on your account may result in a deduction of cash back at a higher earn rate, even though the return may relate to a purchase that earned cash back at a lower rate. We may make special offers, including offers to earn cash back on CIBC Global Money Transfers™ which may be for a limited period and contain additional terms and conditions. The cash back is accumulated each month, beginning with the January statement and ending with the December statement. Only primary cardholders are permitted to make a cash-back redemption. Authorized users are not eligible to redeem cash-back dollars. The primary cardholder may redeem cash back at any time during the year, provided they have a minimum cash-back balance of $25 at the time the redemption request is made. The minimum cash-back redemption amount is $25. Cash back will be credited to the primary cardholder’s account within 5 days of the date the redemption request is made. Any cash-back amount that is not redeemed by the primary cardholder by the last day of the period covered by your December statement will be automatically redeemed, resulting in your cash-back balance being reset to zero, and applied as a credit on your next statement, or, in limited circumstances, at such other time as may be permitted by CIBC. CIBC is not required to credit your account with cash back earned during a monthly statement period if your credit card account is not open and in good standing at any time during a monthly statement period. Credit card account must also be open and in good standing at the time the cash back is redeemed. CIBC Dividend Unlimited™ World Mastercard® Card and CIBC Dividend Unlimited™ World Elite® Mastercard® Card Cash back is earned on a tiered basis. The rate used to calculate cash back depends on your year-to-date Net Purchases. For example: If your year-to-date Net Purchases total $1,000, and you make a purchase of $100, you will earn cash back on that $100 purchase at a rate of 0.5%. Each tier range must be completed before Net Purchases earn cash back at the next higher tier. TIER 1: 0.5% cash back – on your first $3,000 in annual Net Purchases TIER 2: 1.0% cash back – on your next $12,000 in annual Net Purchases (i.e. between $3,000 and $15,000) TIER 3: 1.5% cash back – on your next $20,000 in annual Net Purchases (i.e. between $15,000 and $35,000) TIER 4: 2.0% cash back – on your next $15,000 in annual Net Purchases (i.e. between $35,000 and $50,000) TIER 5: 1.0% cash back – on any annual Net Purchases exceeding $50,000. SAMPLE SCENARIO: YEAR‑TO‑DATE NET PURCHASES: $0.00 First Purchase on Credit Card Account: $500.00 $500 X 0.5% (TIER 1) = $2.50 cash back Earned YEAR‑TO‑DATE NET PURCHASES: $500.00 Subsequent Net Purchases on Credit Card Account: $54,500.00 $2,500 X 0.50% (TIER 1) = $12.50 cash back Earned $12,000 X 1.0% (TIER 2) = $120.00 cash back Earned $20,000 X 1.5% (TIER 3) = $300.00 cash back Earned $15,000 X 2.0% (TIER 4) = $300.00 cash back Earned $5,000 X 1.0% (TIER 5) = $50.00 cash back Earned Total cash back Earned On Subsequent Net Purchases $782.50 YEAR‑TO‑DATE NET PURCHASES: $55,000.00 All subsequent Net Purchases in the year earn cash back at a rate of 1.0%. ∧ CIBC Pace It™ Installment Plans allow eligible cardholders to convert eligible Card Transaction(s) to monthly installment payments (including interest) over a fixed period. When you create an installment plan you will have the ability to choose the payment term (in months) with a corresponding annual interest rate. Once you accept the Installment Plan Terms and Conditions and the installment plan is created, you can cancel it at any time but you cannot change it. CIBC Pace It™ Installment Plans are only available: (a) on Accounts in good standing; and (b) for certain eligible Account types and eligible Transactions. For complete Terms and Conditions, visit cibc.com/paceIt. ‡ Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). You may contact RSA at 1-866-363-3338 in Canada and the U.S. or collect from elsewhere at 905-403-3338 or visit cibccentre.rsagroup.ca. Trademark of Visa Int., used under license. Mastercard®, World Mastercard®, and World Elite Mastercard® are registered trademarks of Mastercard International Incorporated. The CIBC logo is a trademark of CIBC. All other trademarks are owned by CIBC or related entities. This email was sent from an account that is only used to send messages – please do not reply to this email. To reach us, visit https://www.cibc.com/en/contact-us.html This message is from CIBC. To unsubscribe from future promotional emails from CIBC, click unsubscribe. Your privacy is our priority. View our privacy policy. CIBC Head Office, 81 Bay St., CIBC Square, Toronto, Ontario Canada M5J 0E7 Visit our website at cibc.com