CIBC · Visa · None (low-rate card, no rewards program)
Reviewed 2026-07-06 · By The Points Standard editorial team
CIBC Select Visa
A near-twin of Scotiabank's Value Visa with a slightly longer 0% window and a Quebec fee waiver. Pick whichever bank you already deal with.
Standard Score breakdown — Pass
Six weighted components, each rated 0–10. "Contributes" is the rating × weight — add all six and you get the 3.23/10 Standard Score above.
See how the Standard Score works or re-weight it to your priorities.
The numbers
| Annual fee | $29 |
| Welcome bonus | 0% interest for up to 10 months on balance transfers of $100+ (1% transfer fee, waived for Quebec residents), plus first-year fee rebated |
| Est. bonus value | ≈ $0 |
| First-year net value | ≈ $0 |
Earn rates
| All purchases | No rewards — 13.99% on purchases, cash advances, and balance transfers |
Why it earns its score
- Flat 13.99% across purchases, cash advances, and balance transfers
- 0%/10-month balance-transfer offer — and Quebec residents pay no transfer fee at all
- First-year fee rebate makes trying it free
Where it loses points
- No rewards of any kind
- $29 fee returns in year two
- $15,000 household income requirement
Who it's for
CIBC clients consolidating a balance — especially in Quebec, where the transfer fee is waived entirely.
Who should skip it
You're rate-shopping on the standing rate alone; MBNA Gold and Flexi are meaningfully cheaper to carry.
Included insurance
Source: issuer card page · Last reviewed 2026-07-06. Details change often — confirm current terms with the issuer before applying.