Best For: Grocery stores

Receive up to 30,000 bonus points (approximately $250 cash back value):

• Receive 20,000 bonus points†† (approximately $165 in cash back value) after you make $2,000 or more in eligible purchases within the first 90 days of your account opening.
• Receive 10,000 bonus points†† (approximately $80 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening
• Earn 5 points‡ for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $50,000 is spent annually in the applicable category. 1 point‡ for every $1 on all other eligible purchases
• Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 15,000 Points.
• Redeem points‡ for brand-name merchandise, gift cards from participating retailers, cash back, charitable donations, and travel.
• Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers✪, and 24.99% on cash advances
• Mobile Device Insurance*** With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown
• $120 annual fee. $50 Additional Card Annual Fee for one authorized user (if you have one).
• To qualify, your personal annual income must be greater than $80,000, or your household annual income must be $150,000 or greater††††

This product is not available for Quebec residents.

Welcome offer:

• For your first 4 months with a Simplii Financial Cash Back Visa* Card, enjoy 10% cash back on eligible restaurants, food delivery and bar purchases. Up to $500 spend.^†

Get:

• 4% cash back for eligible purchases at restaurants, bars and coffee shops (up to $5,000 spend per calendar year).^†
• 1.5% cash back for eligible purchases made at grocery stores, gas stations, drug stores and for eligible pre-authorized purchases (up to $15,000 spend per calendar year).^†
• 0.5% cash back on all other purchases (with no limit on spend per calendar year).^†

Other features:

• Purchase Security and Extended Protection Insurance.^† Protect your purchases with double the manufacturer’s warranty, up to one additional year.
• Get cash back when you send a Global Money Transfer and pay with your Visa* Card.^†
• Send money abroad for no fee with your Simplii Visa using Simplii Global Money Transfer.
• No annual fee

Special Offer:

• Enter the code MILESOPEDIA when you apply for your card
• Get $20 in your KOHO account after the first purchase within the first 30 days

Features:

• Earn an extra 2% cashback on eating & drinking, billing & services, and groceries on top of minimum 0.5% cash back on all purchases. Plus, receive up to 50% cash back at selected merchants.
• Accepted at Costco
• Earn 4% interest on both your spending and savings account. Your funds will also be eligible for CDIC insurance. Interest rates are annual, calculated daily, paid monthly and may be changed at any time without notice.
• $22 per month billed monthly or $177 per year billed annually ($14.75 per month)
• Access the following features, exclusive to the Everything Plan:
  • No FX fees on purchases
  • 1 free international ATM withdrawal per month
  • Credit enhancement for $5/month instead of $10
  • Access all the features of a KOHO account such as Card Security, Goals, and RoundUps.
  • Strengthen your credit with the 6-month Credit Enhancement Program for only $5/month and earn cash back with the KOHO Prepaid Mastercard Complet.
  • Get access to a cash advance of up to $250 at 0% interest with KOHO Cover

• Welcome offer: 150,000 PC Optimum points when you spend $3,000 or more using your new PC Insiders™ World Elite Mastercard® anywhere within the first 4 months.
• Unlimited $0 online grocery delivery and pickup with a complimentary PC Express Pass (valued at $99.99 per year), valid on eligible orders of $35 or more.
• 50 PC Optimum points per dollar spent at Shoppers Drug Mart
• 40 PC Optimum points per dollar spent in Loblaw stores
• 30 PC Optimum points for every $1 in purchases from PC Travel
• 30 PC Optimum points per litre of gas at Esso/Mobil
• 10 PC Optimum points per dollar of purchases everywhere else

Earn up to 25,000 bonus points:

• Get 20,000 points when you spend $1,500 in your first 3 months.*
• Plus, earn up to 5,000 bonus points every year:
  • 2,500 bonus points for redeeming at least 12,000 points annually towards your statement balance with Pay with points*
  • 2,500 bonus points for paying your full credit card balance on time for 12 consecutive months*
• Earn 5x the BMO Rewards points for every $2 spent on recurring bill payments, groceries, dining and takeout*
• Then get 1 point for every $2 spent on everything else!*
• Get a 0.99% introductory interest rate on Balance Transfers for 9 months (2% fee applies to balance amounts transferred*)
• Mobile Device Insurance that covers you for up to $1,000*
• Pay with Points by browsing your recent transactions and redeem your Points for as little as $1*
• Receive a discount on car rentals*
• Purchase Protection*
• Extended Warranty*

• Earn up to 1.5% cash back on eligible purchases (gas, groceries and online)
• Get 1% unlimited cash back on all other eligible purchases
• Earn a minimum of $25 cash back and access your account online to apply it to your credit card statement
• Purchase insurance against theft or damage
• Extended warranty

Welcome Offer: Join and get up to $1,450 in value including a first year annual fee rebate!^†

Here’s how you can get up to $1,450 in value :

• Get up to 45,000 Aventura Points (up to $900 in travel value^†):
  • 15,000 Aventura Points when you make your first purchase^†
  • 30,000 Aventura Points if you spend $3,000 or more in the first 4 monthly statement periods^†
• Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each), up to $189 value.^†
• Elevate your airport experience with 4 complimentary visits at 1,200+ lounges globally through Visa Airport Companion Program: up to $277 in value.^†
• Plus, get a NEXUS^◊† Application Fee rebate†: a $100 value^†

Plus, enjoy extra valuable travel benefits:

• Travel when it’s right for you – your Aventura points don’t expire^†
• Redeem your Aventura points for more than travel with our Shop With Points/Pay with Points features^†
• Travel local – Aventura points can be redeemed for more than just flights – use your points for hotels and car rentals for a weekend getaway
• 2 points for every $1 spent on travel purchased through the CIBC Rewards Centre^†
• 1.5 points for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores^†
• 1 point for every $1 spent on all other purchases^†

Save on gas with CIBC and Journie Rewards:

Link and use your CIBC Aventura Visa Infinite Card with Journie Rewards to save up to 10 cents per litre^† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.^†

Save over $600 with CIBC and Skip

Get a 12-month Skip+ free trial and other exclusive benefits when you link your CIBC Aventura Visa Infinite Card with Skip.^†

Special offer:

• Enter the code KOHOMILES when applying for your card.
• Get 3 months’ subscription to the Extra Plan for free (a discount of $18 per month) and $20 cash back

Features:

• Earn 1.5% cash back on 3 main spending categories (food, bills & services, meals and beverages) plus a minimum 0.25% cash back on all purchases.
• Accepted at Costco
• Earn 3% interest on your spending and savings account. Your funds will also be eligible for CDIC insurance. Interest rates are annual, calculated daily, paid monthly and may be changed at any time without notice.
• $18 per month billed monthly or $144 per year billed annually ($12 per month)
• No conversion fees on foreign purchases
• 1 free international ATM withdrawal per month
• Credit enhancement for $7/month instead of $10
• Access all KOHO account features such as Safe, Goals and Rounding Amounts
• Get access to a cash advance of up to $250 at 0% interest with KOHO Cover

Welcome offer: Get up to 120,000 points worth $800 in travel rewards and a $200 anniversary lifestyle credit when you reach your first anniversary

• Earn 5x the BMO Rewards points on groceries, dining, drugstore purchases, gas and travel*
• Get 1 BMO Reward for every $1 spent on everything else*
• Get a $200 Anniversary Lifestyle Credit to spend however you want*
• Enjoy a Visa Airport Companion membership and 6 complimentary airport lounge visits per year – valued at more than $250 USD.*
• Earn 25% more points when you add an authorized user to your account*
• Mobile Device Insurance that covers you for up to $1,000*
• Pay with Points by browsing your recent transactions & redeem your points for as little as $1
• Airport experiences along with Priority Security Lane, airport parking and valet service discounts at select Canadian airports*
• Enjoy the Visa Infinite Dining Series and Visa Infinite Wine Country*

Earn up to $1,300 in value^† including up to 40,000 Aeroplan points^† and no Annual Fee for the first year^†. Conditions apply. Offer effective as of January 7, 2025.

• Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card^†
• Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account opening^†
• Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening^†
• Apply for the NEXUS program and, every 48 months, receive a rebate (up to C$100) on the application fee^†.
• Plus, share free first checked bags with up to 8 travel companions^†
• Get an annual fee rebate for the first year^†.

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while this offer is in effect.

Starbucks Bonus Offer for New Linked Members^†: Link your TD Aeroplan Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.

• Earn Aeroplan Points on everyday purchases.
• Redeem your points for travel and more.
• Travel with confidence with travel medical insurance.^†

• Earn 1.5 points^† for every $1 spent on eligible gas, electric vehicle charging, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your Card.
• Earn 1 point^† for every $1 spent on all other Purchases made with your Card
• Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
• Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing.
• Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks^® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks^® Rewards account. Conditions apply.
• Travel lightly through the airport and save on baggage fees^†: Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight.
• Complimentary Visa Infinite Concierge^† : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
• Visa Infinite Luxury Hotel Collection^†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.