CIBC
CIBC Select Visa
Pay down debt faster with one of Canada's lowest purchase interest rates at 13.99% and a 0% balance transfer offer for 10 months. First-year annual fee rebate, free additional cards and complimentary Skip+ membership included.
Starting an application here does not affect your credit score. A credit check happens only when the issuer takes it further.
Annual fee
$29
Purchase rate
13.99% (purchases); rises to 19.99% penalty rate after 2 missed payments in 12 months
FX fee
2.50%
Grace period
21 days
What this card pays you
This figure reflects your spending profile against this card's published earn rates, minus the annual fee. Category caps, welcome bonuses, insurance and lounge benefits, and first-year fee waivers are excluded from this estimate.
We earn a referral fee if an application is approved. It does not affect this ranking. How we rank
Rewards in full
- No points/cash back
- low-interest card with 13.99% purchase rate, first-year annual fee rebate, Journie Rewards fuel savings and complimentary Skip+ membership
Rates & fees
| Annual fee | $29 |
|---|---|
| Supplementary card fee | $0 for up to 3 additional cards |
| Purchase APR | 13.99% (purchases); rises to 19.99% penalty rate after 2 missed payments in 12 months |
| Balance transfer intro | 0% for 10 months on balance transfers of $100+ (up to 50% of credit limit), with a 1% transfer fee |
| Balance transfer rate | 13.99% |
| Balance transfer fee | 1% of amount transferred on the current promotional offer (disclosure permits up to 3%) |
| Cash advance | $5.00 per cash advance in Canada, $7.50 outside Canada; cash advance APR 13.99% |
| Foreign exchange fee | 2.50% |
| Grace period | 21 days |
| Network | Visa |
Important information
Rates, fees, and offers come from the issuers and can change without notice. Confirm every detail on the issuer's site before you apply. We provide comparisons and application intake only; approval decisions rest solely with the issuer.