Best for no-fee travel points
Earn: Aventura points: 1/$ gas, EV, groceries, drugstores, travel via Rewards Centre; 1 pt per $2 everything else
Offer details: Up to 12,500 points (2,500 for 5 activities in 60 days + 10,000 after $1,000 in first 4 statements) + free Skip+ year (up to $200 value)
Best for no-fee Aeroplan
Earn: Aeroplan: 1 pt/$ gas, EV, groceries, Air Canada; 1 pt per $1.50 everything else
Offer details: Up to 10,000 points (2,500 first purchase; 2,500 after $1,500 in first 4 statements; 5,000 anniversary bonus after $10,000) (up to $200 value)
Best for no-fee rewards that adjust to your spending
Earn: Adapta points: 1.5/$ in your top 3 spending categories each month (picked automatically); 2/$ CIBC by Expedia travel; 1/$ everything else
Offer details: 6,000 points (3,000 first purchase + 3,000 after $1,000 in first 4 statements) + Skip+ and roadside assistance (up to $200 value)
Best for no-fee grocery cash back
Earn: 2% on groceries; 1% gas, EV charging, transportation, dining, recurring payments, CIBC by Expedia travel; 0.5% everything else
Best for costco members
Earn: 3% at restaurants and Costco gas; 2% other gas, EV charging, Costco.ca; 1% everything else incl. Costco warehouses
Offers checked weekly. Last checked Oct 4, 2026. Always confirm the current offer on CIBC's site before applying.