Travel Rewards

Welcome Offer: Join and earn up to $1,500 in value including a first year annual fee rebate!^†

Here's how you can earn up to $1,500 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 $160 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.^†

Accelerate rewards points on common purchases!

• Earn 4 points†† per dollar spent on all eligible restaurant or grocery purchases, digital media, subscriptions, and household utilities during the first 90 days, and earn 2 points‡ per dollar spent on all eligible purchases in these categories thereafter. In both cases, these accumulation rates apply until $10,000 is spent annually in the applicable category; 1 point‡ per dollar spent on all other eligible purchases.
• Receive 5,000 bonus points†† ($25 cash back) after you make eligible purchases of at least $500 within 90 days of account opening.
• 5,000 bonus points††($25 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening
• 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 10,000 Points
• Redeem points‡ for cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel.
• Standard Annual Interest Rates of 21.99% on eligible purchases, 22.99% on balance transfers✪, and 22.99% 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.
• No Annual Fee.

Take advantage of an everyday rewards card with no annual fee. Apply now for the MBNA Rewards® credit card.

Accelerate rewards points on common purchases!

• 2 points‡ for every $1 spent on eligible restaurant, grocery, digital media, membership and household utility purchases until $10,000 is spent annually in the applicable category.
• 1 point‡ for every $1 spent on other eligible purchases.
• Receive 5,000 bonus points†† ($25 in cash back value) after your first eligible purchase within the first 90 days of account opening.
• 5,000 bonus points†† ($25 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening.
• 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 10,000 Points
• Redeem points‡ for cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel.
• Standard Annual Interest Rates of 21.99% on eligible purchases, 21.99% on balance transfers✪, and 21.99% 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.
• No Annual Fee.

Take advantage of an everyday rewards card with no annual fee. Apply now for the MBNA Rewards® credit card.

Receive up to 20,000 bonus points ($165 cash back value):

• Receive 15,000 bonus points†† ($125 in cash back value) after your first eligible purchase within the first 90 days of account opening .
• Receive 5,000 bonus points†† once enrolled for 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 cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel.
• Standard Annual Interest Rates of 21.99% on eligible purchases, 21.99% on balance transfers✪, and 21.99% 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††††.

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

• 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.
• 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 cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel.
• Standard Annual Interest Rates of 21.99% on eligible purchases, 22.99% on balance transfers✪, and 22.99% 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††††.

Earn up to 60,000 Membership Rewards^® points:

• New American Express^® Gold Rewards Cardmembers, earn 5,000 Membership Rewards^® points for each monthly billing period in which you spend $1,000 in net purchases on your Card

Card features

• Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more
• Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else
• The Card is now available in your choice of Gold or Rose Gold metal options
• Receive a C$50 statement credit when you charge your American Express Gold Rewards Card for NEXUS membership or renewal fees
• You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online
• As a Gold Rewards Cardmember, you can receive complimentary membership in Priority Pass^TM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply
• Enjoy four (4) free visits per calendar year to Plaza Premium lounges in Canada. Entry fees apply once complimentary visits have been used
• Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit
• Transfer points 1:1 to several frequent flyer and other loyalty programs
• 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster
• Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 29.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.

Apply with confidence!

• See if you’ll be approved before you apply – with no impact to your credit score.*
• When applying for a new card, businesses will typically run a “hard check” of your credit report. A hard credit check can cause a temporary impact to your credit score.
• Unlike many lenders, for American Express’ personal cards, you can see if you will be approved before you apply without impacting your credit score
• A soft credit check is a check into your credit report initiated either by you or a company even if you didn’t apply for credit. It is primarily used to screen for pre-approval financing offers or for a background check
• Available for American Express personal cards, we’ll let you know your eligibility with no impact to your credit score, so you can submit your application with confidence.*

*Instant decisions are only available for Consumer (also known as Personal) Card applications.

Welcome Offer: Join and get up to $100 in value^† for no annual fee.^†

• Get up to 10,000 Aventura Points (up to $100 in travel value^†)
  • 2,500 Aventura Points when you complete all five activities within 60 days of your CIBC Aventura® Visa* account approval.^†
  • 7,500 Aventura Points after you make your first purchase within first 4 months.^†

• 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
• 1 point for every dollar spent on travel through the CIBC Rewards Centre^†
• 1 point for every dollar spent at gas stations, electric vehicle charging stations, and eligible grocery and drug stores†
• 1 point for every $2 spent on all your other purchases^†

Save on gas with CIBC and Journie Rewards

Link your Aventura CIBC Visa* card to Journie Rewards and use it 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 Card with Skip.^†

Welcome Offer: Join and get up to $100 in value^† for no annual fee.^†

• Get up to 10,000 Aventura Points (up to $100 in travel value^†)
  • 2,500 Aventura Points when you complete all five activities within 60 days of your CIBC Aventura® Visa* account approval.^†
  • 7,500 Aventura Points after you make your first purchase within first 4 months.^†

• Travel when it suits you - your Aventura points never expire^†
• Redeem your Aventura points for more than just travel with our Shop with Points and 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
• 1 point for every dollar spent on travel through the CIBC Rewards Centre^†
• 1 point for every dollar spent at gas stations, electric vehicle charging stations, and eligible grocery and drug stores†
• 1 point for every $2 spent on all your other purchases^†

Get all the essentials for student life on a budget Qualifying students can get free SPC+ registration, plus 450 deals on everyday purchases, deeper discounts, special experiences and exclusive gifts. Start banking with CIBC and make student life more rewarding.† Start banking with CIBC and make student life more rewarding.^†

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 Card for Students with Skip. ^†

Earn up to 60,000 Aviosˆ with the RBC® British Airways Visa Infinite‡ Card

Here is how to earn up to 60,000 bonus Aviosˆ:

• Earn 30,000 Avios welcome bonus points when you spend $5,000 CAD within the first three months of opening your account.
• Earn an additional 30,000 bonus Avios points when you spend $5,000 CAD during the period from the fourth to the sixth month following account opening.
• If you do not spend $5,000 CAD within the first three months, you can still earn 30,000 bonus Avios points if you meet the spending requirements during the period from the fourth to the sixth month.

Benefits:

• Earn 3X Avios for all purchases made with British Airways and BA Holidays*
• Earn 2X Avios per Canadian dollar on groceries, dining, and food delivery*
• Earn 1 Avios per Canadian dollar on eligible net purchases*
• Earn a companion voucher when you spend $30,000 CAD in a year. Invite a companion or travel alone and enjoy a 50% discount on the Avios price of your reward flight. You can also pay a low flat fee to cover taxes, fees, and carrier charges, along with a fixed amount of Avios, when you book your trip.˜
• 10% discount on British Airways flights when booking and paying with your card∞
• Redeem your Avios for flights with British Airways and oneworld network partner airlines**
• Comprehensive insurance coverage, including 31-day out-of-province/country emergency medical insurance¹, flight delay insurance², hotel burglary insurance³, and rental car insurance⁴. Additionally, eligible purchases made with the card are protected³.
• Premium Visa Infinite benefits⁵, such as skip-the-line access for events as well as dining and hotel privileges through www.visainfinite.ca
• 24/7 Concierge Service⁵
• Link your RBC card to your Petro-Points card and instantly save 3¢ per litre on fuel at Petro-Canada stations, plus always earn 20% more Petro-Points and 20% more Avion Rewards points
• Link your RBC British Airways Visa Infinite Card to a Rexall Be Well account and earn 50 Be Well points for every dollar spent on eligible products at Rexall. Redeem Be Well points faster to save on in-store purchases, as 25,000 Be Well points = $10
• Get a complimentary DashPass subscription9 from DoorDash for up to 6 months and enjoy unlimited deliveries from qualifying restaurants you love. Enjoy $0 delivery fees10 on orders of $15+ when you pay with an eligible RBC credit card. Get a free 12-month DashPass subscription±, a value of up to $120. Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card

• Earn up to $2,500* in value in the first 14 months, including up to 80,000 bonus Scene+ points.
• Earn 2X the Scene+ points for every $1 in eligible purchases at grocery stores, restaurants, and entertainment.
• Earn 2X the Scene+ points for every $1 of eligible gas and public transit purchases. Includes bus, metro, taxis, ridesharing and more.
• Earn 2X Scene+ points for every $1 spent on all your other purchases.
• Earn additional benefits + up to 4X Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia
• You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies.
• Enjoy 10 free airport lounge visits per year.

Receive up to 7,500 bonus Scene+ points for the first three months (up to $75 in rewards).

• Earn Scene+ points at Home Hardware and redeem with any Scene+ rewards partner.
• Earn 1 Scene+ point for every $1 spent on your card for eligible business purchases at Home Hardware.
• Redeem your Scene+ points on what you want for your business – business travel, office improvements, entertainment, groceries, gift cards from 60+ brands, tech, and even account credits.
• Use at any retailer where Visa is accepted.
• Manage your cash flow with a 21-Day interest free grace period on new purchases.

Visa* SavingsEdge

One great program – two paths to savings on your everyday business purchases with Visa SavingsEdge:

• Everyday Savings Offers: automatically available after you enroll, requiring no coupons or codes and are applied as statement credits on enrolled Visa Business cardholder’s future account statements.
• Instant Savings Offers: savings applied to your cart using a promotion code prior to making a qualifying purchase on a participating merchant’s website.

It’s free to join. Visit Visa SavingsEdge to enroll your eligible business and learn more.

Save on car rentals

• As a Scotia Home Hardware PRO Visa Business cardholder, you can save up to 25% off base rates at participating AVIS locations Worldwide and at participating Budget locations in Canada and the U.S. when you pay with your Scotia Home Hardware PRO Visa Business card.

Save time at the checkout

• Tap your Scotia Home Hardware PRO Visa Business Card or your mobile wallet for quick easy payments.
• Visa payWave* – Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go!
• Click to Pay – Paying online with your Visa card is easy, smart, and secure. Just click to pay with your Visa when you see the Click to Pay icon where your Scotiabank card is accepted.
• Also, use your phone to make on-the-go payments with: Google Pay, Samsung Pay, Apple Pay.

Insurance Coverage

• Purchase Security Extended Warranty Protection
• Optional Scotia Business Loan Protection Insurance