CIBC Classic Visa Card

This card has NO rewards program. It earns no points, no miles and no cash back. All earn fields are null because nothing is published, not because the value is zero. The only spend-linked benefit is a fuel discount of up to 10 cents per litre at participating gas stations when the card is linked to a Journie Rewards card, which is a third-party discount rather than a card earn rate.

No welcome offer published. Non-cash perks: Journie Rewards fuel discount, free Skip+ membership, 50% off Disney+ for 6 months, no CIBC fee on CIBC Global Money Transfers.

Sole coverage is Purchase Security & Extended Protection: loss, theft or damage within 90 days of purchase, plus doubling of the manufacturer's warranty up to a maximum of one additional year, with a $60,000 maximum per cardholder across all CIBC cards held. Travel medical is available only as separately purchased optional CIBC coverage. Optional CIBC Payment Protector available. card_type set to null deliberately: this card fits none of the allowed enum values. It is a no-fee, no-rewards entry card at a STANDARD 21.99% purchase rate, so classifying it as 'Low interest' would be actively wrong. CIBC's low-rate product is the Select Visa at 13.99%/$29, which is a different card. Name similarity risk: 'CIBC Classic Visa' is frequently confused with a discontinued 'Classic Visa Low Rate' variant. The current open product is the standard-rate one at 21.99%. Despite the $15,000 household income floor and entry-level positioning, CIBC does not publish any credit score band or state that it accepts poor credit. Accepts_poor_credit left false and min_credit_score null rather than assumed. Interest rates render as placeholder tokens on the live page; taken from PDF 11995-en.