www.cibc.com Open in urlscan Pro
2600:141b:f000:1189::286e  Public Scan

Submitted URL: https://links.e.cibcinfo.ca/els/v2/6NqpH_mP00s8/TWVmTU9YenJrL2poYTl6ejgxWTBHblBjaUhTc2lHTFZFblJGSnRlL08zU3pLOFRaZmNjcUc0eEdt...
Effective URL: https://www.cibc.com/en/personal-banking/credit-cards/costco.html?utrc=E1132:7&utm_medium=Email&utm_campaign=Titan-We...
Submission: On March 11 via api from SE — Scanned from CA

Form analysis 5 forms found in the DOM

Name: basicSearchGET /en/search-results.html

<form class="clearfix search-wrapper" name="basicSearch" novalidate="" role="search" method="GET" accept-charset="utf-8" onsubmit="return(submitSearch(this));" action="/en/search-results.html">
  <div class="id-search-suggestions sr-only search-suggestions hidden" aria-live="polite"></div>
  <label for="search-input" id="search-label" class="hidden">Search</label>
  <input class="search-input" type="search" name="qt" autocomplete="off" aria-autocomplete="list" aria-controls="searchInputPick" aria-activedescendant="" aria-label="" role="combobox" aria-owns="searchInputPick" aria-haspopup="listbox"
    aria-expanded="false" required="" placeholder="Search">
  <button class="close-icon" type="reset" aria-label="Reset">
    <span class="show-for-print">Reset</span></button>
  <button name="go" type="submit" class="search-button" title="Search"><span class="icon icon-search"></span>
    <span class="hidden open" data-label="Search">
      <span class="dropdown-label">Search</span>
    </span>
  </button>
  <span class="hidden js-promote-url-searchauto" aria-hidden="true"></span>
  <span class="hidden js-promote-url-search" aria-hidden="true"></span>
</form>

POST https://www.cibconline.cibc.com

<form class="sign-on-form" autocomplete="off" method="post" action="https://www.cibconline.cibc.com">
  <div class="card-number">
    <label for="card-number-8cb34628">Card number</label>
    <input id="card-number-8cb34628" name="card-number-8cb34628" type="text" autocomplete="off" maxlength="19">
  </div>
  <div class="saved-cards" style="display: none;">
    <label for="saved-card-8cb34628">Card number</label>
    <select id="saved-card-8cb34628"></select>
  </div>
  <div class="remember-card">
    <input id="remember-card-8cb34628" type="checkbox">
    <label for="remember-card-8cb34628">Remember my card</label>
  </div>
  <div class="link delete-saved-card" style="display: none;">
    <a href="#" data-utc="C1:2167">
                            Delete this card
                            <span class="show-for-sr">as my saved card number</span>
                        </a>
  </div>
  <div class="link use-saved-card" style="display: none;">
    <a href="#" data-utc="C1:2170">
                            Use saved card
                            <span class="show-for-sr"> to CIBC Online Banking. Opens in a dialog.</span>
                        </a>
  </div>
  <div class="link use-new-card" style="display: none;">
    <a href="#" data-utc="C1:2168">
                            Sign on with a different card number
                            <span class="show-for-sr">to CIBC online banking.</span>
                        </a>
  </div>
  <div class="password">
    <label for="password-8cb34628">Password</label>
    <input id="password-8cb34628" type="password" autocomplete="off" maxlength="32">
  </div>
  <div class="link forgot-password">
    <span class="hyperlink">
      <a href="#">
                       Reset my password
                       <span class="show-for-sr"> for CIBC online banking.</span>
                       </a>
    </span>
  </div>
  <div class="buttons">
    <div class="button-container">
      <div class="button-padding">
        <a id="C1-2173" href="#" class="button secondary ">
                                        <span class="primary-label">Register</span>
                                        <span class="show-for-sr"> for CIBC Online Banking.</span>
                                    </a>
      </div>
    </div>
    <div class="button-container">
      <div class="button-padding">
        <button type="submit" id="button-1517415483758" class="button primary ">
          <span class="primary-label"><b>Sign on</b></span>
          <span class="show-for-sr"> to CIBC Online Banking. Opens in a dialog.</span>
        </button>
        <div class="spinner"></div>
      </div>
    </div>
  </div>
</form>

Name: basicSearchGET /en/search-results.html

<form class="clearfix search-wrapper" name="basicSearch" novalidate="" role="search" method="GET" accept-charset="utf-8" onsubmit="return(submitSearch(this));" action="/en/search-results.html">
  <div class="id-search-suggestions sr-only search-suggestions hidden" aria-live="polite"></div>
  <label for="search-input" id="search-label" class="hidden">Search</label>
  <input class="search-input" type="search" name="qt" autocomplete="off" aria-autocomplete="list" aria-controls="searchInputPick" aria-activedescendant="" aria-label="" role="combobox" aria-owns="searchInputPick" aria-haspopup="listbox"
    aria-expanded="false" required="" placeholder="Search">
  <button class="close-icon" type="reset">
  </button>
  <button name="go" type="submit" class="search-button" aria-label="the CIBC website"><span class="icon icon-search"></span>
    <span class="hidden open">
      <span class="dropdown-label"></span>
    </span>
  </button>
  <span class="hidden js-promote-url-searchauto" aria-hidden="true"></span>
  <span class="hidden js-promote-url-search" aria-hidden="true"></span>
</form>

POST https://www.cibconline.cibc.com

<form class="sign-on-form" autocomplete="off" method="post" action="https://www.cibconline.cibc.com">
  <div class="card-number">
    <label for="card-number-171576f3">Card Number</label>
    <input id="card-number-171576f3" name="card-number-171576f3" type="text" autocomplete="off" maxlength="19">
  </div>
  <div class="saved-cards" style="display: none;">
    <label for="saved-card-171576f3">Card Number</label>
    <select id="saved-card-171576f3"></select>
  </div>
  <div class="remember-card">
    <input id="remember-card-171576f3" type="checkbox">
    <label for="remember-card-171576f3">Remember my card number</label>
  </div>
  <div class="link delete-saved-card" style="display: none;">
    <a href="#" data-utc="C1:2448">
                            Delete this card
                            <span class="show-for-sr">as my saved number</span>
                        </a>
  </div>
  <div class="link use-saved-card" style="display: none;">
    <a href="#" data-utc="C1:2451">
                            Use saved card
                            <span class="show-for-sr">to sign on to C I B C Online Banking</span>
                        </a>
  </div>
  <div class="link use-new-card" style="display: none;">
    <a href="#" data-utc="C1:2449">
                            Sign on with a different card number
                            <span class="show-for-sr">to C I B C online banking</span>
                        </a>
  </div>
  <div class="password">
    <label for="password-171576f3">Password</label>
    <input id="password-171576f3" type="password" autocomplete="off" maxlength="32">
  </div>
  <div class="link forgot-password">
    <span class="hyperlink">
      <a href="#">
                       Reset my password
                       <span class="show-for-sr">for C I B C online banking</span>
                       </a>
    </span>
  </div>
  <div class="buttons">
    <div class="button-container">
      <div class="button-padding">
        <a id="C1-2454" href="#" class="button secondary ">
                                        <span class="primary-label">Register</span>
                                        <span class="show-for-sr">for C I B C online banking</span>
                                    </a>
      </div>
    </div>
    <div class="button-container">
      <div class="button-padding">
        <button type="submit" id="button-1520360370720" class="button primary ">
          <span class="primary-label"><b>Sign On</b></span>
          <span class="show-for-sr">to C I B C online banking</span>
        </button>
        <div class="spinner"></div>
      </div>
    </div>
  </div>
</form>

GET https://locations.cibc.com/search

<form method="get" action="https://locations.cibc.com/search" target="_blank" class="footer-find-branch-form">
  <label aria-label="Find a branch or ATM" class="search-postal-code-label subheading-medium" for="findBranch">
    <span class="icon icon-location"></span>Find a branch or ATM </label>
  <input name="locale" value="en_CA" type="hidden">
  <input class="search-input left" id="findBranch" maxlength="230" name="q" placeholder="Enter address or postal code" type="text">
  <button id="button-1520296421000" class="search-button right button primary" title="Search">
    <span class="show-for-sr">for a CIBC banking centre or ATM. Opens a new window in your browser.</span>
    <span class="icon-search textInputRight"></span>
  </button>
</form>

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 * Personal
 * Credit Cards
 * Costco Cards

 If you’re new to CIBC Mobile Banking or CIBC Online Banking, use your existing
Costco Mastercard credit card number to REGISTER Opens in a new window and
follow the steps.

Reminder! Update your payee information to CIBC MASTERCARD.

Don’t have an existing Costco Mastercard? Details on how to apply will be
available later this month.



credit cards




GET EVEN MORE CASH BACK AT COSTCO AND EVERYWHERE ELSE YOU SHOP WITH YOUR NEW
CIBC COSTCO®† MASTERCARD®

  Skip to next steps


EARN EVEN MORE CASH BACK

We're excited to welcome you to CIBC. Your existing Costco Mastercard changed
over to the new CIBC Costco Mastercard on March 4, 2022. Start earning even more
cash back wherever Mastercard is accepted, and have access to new Mobile Device
Insurance1 for your next mobile phone purchase, flexible installment payment
options and more.

--------------------------------------------------------------------------------

3%

cash back at restaurants and at Costco gas2

Restaurants

Costco Gas

--------------------------------------------------------------------------------

2%

cash back at other gas stations and at Costco.ca Opens in a new window.2

Other Gas

Costco.ca

--------------------------------------------------------------------------------

1%

cash back on all other purchases including at Costco

Purchases

Costco

--------------------------------------------------------------------------------


ANNUAL FEE AND INTEREST RATES3

$0 

for primary cardholder and authorized users

19.75%

for purchases

21.49%

for cash4


DISCOVER YOUR EXCITING NEW BENEFITS


GET SPECIAL RATES WITH CIBC PACE ITTM,5 INSTALLMENT PLANS ON COSTCO PURCHASES

Pay for those larger purchases with CIBC Pace It low-rate Installment Plans,
spreading payments over a fixed term.

With your new CIBC Costco Mastercard you can take advantage of special
Installment Plan interest rates with no installment fees on eligible Costco
purchases in Canada and at Costco.ca Opens in a new window.:

4.99%

for 6 months

5.99%

for 12 months

6.99%

for 24 months

Learn more about CIBC Pace It and installment plan interest rates for all other
eligible purchases.




PAY ANYWHERE, ANYTIME WITH YOUR PHONE

Later this year, make quick and secure purchases using Apple Pay®, Google
Pay™ and Samsung Pay® when you add your new card to your mobile wallet.

Find a way to pay that suits you.


GET ON-THE-GO ACCESS TO YOUR ANNUAL CASH BACK GIFT CERTIFICATE

Starting in January 2023, easily redeem your Costco cash back gift
certificate digitally at any Canadian Costco warehouse using the CIBC Mobile
Banking® App. Or print your gift certificate through
CIBC Online Banking® Opens in a new window..

 




SEND MONEY ABROAD

Get 0.25% cash back for every $1 spent on a CIBC Global Money Transfer™,†, 6.
There are no transaction fees and you won’t be charged interest, as long as you
pay your balance by the payment due date.7

Learn more about CIBC Global Money Transfer™


VALUABLE INSURANCE INCLUDED WITH YOUR NEW CARD


MOBILE DEVICE INSURANCE1

Repair or replacement coverage up to $1,000 for your personal mobile device such
as your cell phone, smartphone or tablet in the event of loss, theft or
accidental damage (drops, cracks or spills) for up to two years following your
new mobile phone purchase.




PURCHASE SECURITY AND EXTENDED WARRANTY INSURANCE1

Enjoy added security and protection on your new purchases. Your CIBC Costco
credit card comes with Purchase Security at no additional cost to you. Plus,
with Extended Warranty Insurance, you can extend the period of the original
manufacturer’s warranty up to one additional year on most new purchases.



Review the Insurance Certificate for the CIBC Costco Mastercard and CIBC Costco
World Mastercard (PDF, 670 KB). Opens in a new window.


OPTIONAL CREDITOR INSURANCE FOR YOUR CARD


CIBC PAYMENT PROTECTOR™ INSURANCE FOR CREDIT CARDS

Help keep your finances on track by reducing the burden of your credit card
payments if you’re unable to work due to disability, job loss, critical illness
or in the event you pass away.8

Learn more about CIBC Payment Protector Insurance for Credit Cards.


ENJOY THE SAME GREAT BENEFITS YOU'VE COME TO LOVE AND MORE

Carry fewer cards. Your credit card continues to serve as your Costco membership
card9.



Elevate your experience with the CIBC Costco®† World Mastercard®, featuring even
more special offers Opens in a new window. .




GET A $20 WELCOME BONUS WITH YOUR NEW CARD

You’ll receive your new CIBC Costco Mastercard by August 31, 2022. When it
arrives:

 

1. Make a purchase with your newly activated card.

2. Register with the CIBC Mobile Banking App or CIBC Online Banking.

Complete these two easy steps in any order before December 31st, 2022, and
you'll enjoy a $20 statement credit in an upcoming statement.10

 


NEXT STEPS

 * You and your authorized users automatically receive all the new CIBC benefits
   starting on March 4, 2022. Keep using your existing Costco Mastercard. You
   don’t need to reapply for a new card or wait for the new card to arrive to
   start enjoying all the benefits.
 * Start making payments to CIBC when you receive statements from us.
 * Ensure seamless online payments of your credit card bill by changing your
   payee information to CIBC MASTERCARD as of March 4, 2022.
 * If you were enrolled in AutoPay on your previous credit card, this service
   ended on March 3, 2022. To set-up AutoPay with CIBC, which will automatically
   pay your full amount due or minimum payment on your CIBC Costco Mastercard
   each month, please call us at 1-866-346-2999 Opens your phone app..
 * Set-up new recurring bill payments, including payments of pre-determined
   amounts to your CIBC Costco Mastercard. Learn how to schedule a recurring
   bill payment.
 * Your new CIBC Costco Mastercard will arrive by mail before August 31, 2022.
 * Activate your CIBC Costco Mastercard as soon as you receive it by following
   the instructions on the sticker on your card.
 * Watch for your authorized users' cards to arrive in the mail along with
   yours. Your authorized users' cards will need to be activated before your
   authorized users can start to use their CIBC Costco Mastercard.


  SKIP TO FREQUENTLY ASKED QUESTIONS. SKIP TO FAQ.


ACCESS HELPFUL TOOLS WITH CIBC DIGITAL BANKING


GET CONVENIENT DIGITAL ACCESS TO YOUR CARD

If you’re new to CIBC Mobile Banking or CIBC Online Banking, use your existing
Costco Mastercard credit card number to registerOpens in a new window. and
follow the steps on the screen. You’ll then be able to view your balance and
transactions, pay your credit card bill and register for security alerts11 and
payment reminders.


DID YOU PREVIOUSLY RECEIVE ONLINE STATEMENTS?

If you were previously receiving online statements from Capital One, you'll have
access to CIBC eStatements through CIBC Online Banking. In order to receive your
eStatements, simply register for CIBC Online Banking Opens in a new window.,
starting March 7, 2022.  If you received paper statements from Capital One,
you'll continue to receive paper statements from CIBC. You'll be able to change
to paperless once you enrol for CIBC Online Banking.




MAKE IT YOUR OWN

Once enrolled, update your alert preferences, such as minimum payment reminders,
in CIBC Online Banking Opens in a new window..



 Introducing your CIBC Costco Mastercard and CIBC Costco World
Mastercard Benefits Guide (PDF, 1.2 MB) Opens in a new window..

 Review theCardholder Agreement (PDF, 670 KB) Opens in a new window.
andAdditional Clauses (PDF, 45 KB) Opens in a new window. applicable to CIBC
Costco Mastercards.


YOUR CIBC COSTCO MASTERCARD QUESTIONS ANSWERED

When will these changes happen?

Your existing account and balance transferred to CIBC on March 4, 2022. Your
CIBC credit card will arrive by mail before August 31, 2022, as long as your
account is in Good Standing. Until then, you can continue to use your existing
Costco Mastercard.

When will I start earning cash back with CIBC?

Starting on March 4, 2022, you began earning even more cash back. You now have
access to new insurance coverage that comes with your card, flexible installment
payment options and more. You don't need your new physical CIBC Costco
Mastercard to take advantage of all the features and benefits. They started
automatically when your account changed over to CIBC.

When will I receive my gift certificate from CIBC?

You'll receive your cash back gift certificate from CIBC every January,
beginning in 2023, provided you have an account in Good Standing and an active
Costco membership as of December 31 of that previous year12. Your 2022 cash back
gift certificate, to be issued in January 2023, will include rewards earned
between January 1 and March 3, 2022, on the previous Costco Mastercard program
and between March 4 and December 31, 2022, on the CIBC Costco Mastercard
program.13

Can I still use my cash back coupons I earned in previous years?

You can still use any cash back coupons earned in previous years that haven't
already expired or been redeemed at a Canadian Costco warehouse14.

Where can I see my cash back that I’ve already earned from January 1, 2022, to
March 3, 2022, on my previous Costco Mastercard?

When your account was transferred to CIBC, the cash back earned from January 1,
2022 to March 3, 2022, was also transferred.

There are two ways to view the cash back you earned on your previous Costco
Mastercard:

 1. On your CIBC Mobile Banking App or CIBC Online Banking. When the cash back
    is transferred, you’ll see the amount added to your cash back balance.
 2. On your March/April statement in the following sections: 

 * Rewards Summary section: Under the Promotions sub section
 * Details of your Promotional Awards on the last page of your statement. It
   will be shown as Jan-Mar Reward/Récompense.

It may take a few days to view your cash back earned after you transfer to CIBC.

Will my payment due date stay the same?

Your due date and the date you receive your statement may change. Check the due
date on your statement.

I have merchant pre-authorized payments on my existing Costco Mastercard. Will
these continue uninterrupted?

When your card transferred to CIBC, your credit card details didn't change. Your
existing Costco Mastercard 16-digit credit card number, expiration date, CVC and
PIN have been transferred to CIBC. That way, you can use your card without any
interruptions to your transactions, and updates to your merchant pre-authorized
payments will not be required.

When you're issued a new CIBC Costco Mastercard, your card details may change.
When you receive your new card, please check if there are changes and notify any
merchants with whom you have pre-authorized payments.

What happens to my previous insurance benefits?

Your previous insurance benefits and Price Protection Service ended at 11:59 pm
ET on March 3, 2022. However, subject to the terms and conditions outlined in
your previous Certificate of Insurance, some eligible purchases paid with your
card on or before March 3, 2022, will continue to be covered in the event of a
loss. Please visit capitalone.ca/costco Opens in a new window.  for more
details.

I don’t have an existing Costco Mastercard. When can I apply for a CIBC Costco
Mastercard?

Details on how to apply for a CIBC Costco Mastercard will be available later
this month.


LOOKING FOR MORE INFORMATION?

For questions about your new CIBC Costco Mastercard, call us at 1-866-346-2999
Opens your phone app.


IMPORTANT INFORMATION

CIBC will receive your account information from Capital One in order to transfer
and maintain your account. CIBC will share personal information with Costco to
establish, administer and maintain your CIBC Costco Mastercard or CIBC Costco
World Mastercard and your Costco membership. CIBC will collect, use and share
your personal information in accordance with the CIBC privacy policy, Your
Privacy is Protected. The CIBC privacy policy is available at any banking centre
or online Opens in a new window..



Terms and conditions

† This offer applies to CIBC Global Money Transfers posted to the primary
cardholder’s credit card account between March 7, 2022, and June 30, 2022. Get
0.25% cash back for every $1 CA spent on a CIBC Global Money Transfer. This
offer may be withdrawn or changed without prior notice at any time. This offer
may be revoked if you appear to be manipulating or abusing it, or are engaged in
any suspicious or fraudulent activity, as determined by CIBC in its sole
discretion.

1 Insurance coverages included with the CIBC Costco®† Mastercard® are
underwritten by Royal & Sun Alliance Insurance Company of Canada. You may
contact the insurer at 1-866-363-3338 Opens your phone app. in Canada and the
U.S. or collect from elsewhere at 905-403-3338 Opens your phone app. or
visit cibccentre.rsagroup.ca Opens in a new window.. To learn about the
coverages included with a specific card, and important information regarding
coverage eligibility requirements, benefits, limitations and exclusions,
see cibc.com/ca/credit-card/agreements-insurance.html and the insurance
certificate(s) in your card package. Some insurance coverage(s) require
purchase(s) to be charged to the card to activate coverage. Other conditions may
also apply. Certain coverages are “excess insurance” (all other sources of
insurance and recovery must be exhausted before coverage is available).

2 Earn 3% on purchases (less returns) at merchants classified in the credit card
network as Costco gas stations within Canada and 2% on purchases (less returns)
at merchants classified in the credit card network as gas merchants on the first
$5,000 net annual card purchases in this category on your account. After that,
net card purchases at all gas merchants will earn 1% in Cash Back Rewards. Earn
2% on purchases (less returns) classified in the credit card network
as Costco.ca Opens in a new window. purchases on the first $8,000 net annual
card purchases in this category on your account. After that, net card purchases
at Costco.ca Opens in a new window. will earn 1% in Cash Back Rewards. Purchases
at merchants classified in the credit card network as Restaurants will earn 3%
and all other qualifying purchases will earn 1% in Cash Back Rewards. The $5,000
and $8,000 limit will reset to zero annually on January 1. Each $1.00 CAD in net
Card purchases earns the amount of Cash Back Rewards disclosed by CIBC from time
to time. Cents do not earn Cash Back Rewards. Cash Back Rewards will be rounded
to the nearest whole cent. Cash Back Rewards are earned on Card purchases less
returns, and not on cash advances, fees, interest, balance transfers, CIBC
Global Money Transfers™, payments, CIBC Convenience Cheques or purchases made
with the Gift Certificate. Certain Cards may also allow you to earn additional
Cash Back Rewards for certain types of purchases from time to time. There is no
limit to the amount of Cash Back Rewards you can earn in any calendar year. Cash
Back Rewards are not earned for pending purchases and will only be earned when
the purchase posts to your Account. If a Transaction that earned Cash Back
Rewards is reversed or corrected, then the Cash Back Rewards related to the
Transaction will be deducted (or added if Transaction is adjusted upward) from
the Cash Back Rewards Account at the same rate at which they had been earned. We
have the right to make any other adjustments to your Cash Back Rewards Account
in accordance with your Cardholder Agreement. Purchases charged to your Account
by an Authorized User earn Cash Back Rewards that will be added to the Cash Back
Rewards Account. Cash Back Rewards will be provided in the form of a Cash Back
Gift Certificate issued in Canadian dollars to an eligible Primary Cardholder
once per calendar year in January for the cash back earned in the prior calendar
year. The Cash Back Gift Certificate can only be redeemed for purchases at any
Canadian Costco Wholesale warehouse location. Authorized Users on the Account
are not issued and cannot redeem Cash Back Gift Certificates.

3 Interest rates will change from time to time on at least 30 days prior notice
to the primary cardholder. Capitalized terms used have the meanings set out in
the CIBC Cardholder Agreement.

4 Cash advances do not earn cash back. Interest accrues from the date advances
are taken.

5 CIBC Pace It Installment Plans allow eligible cardholders to convert eligible
card transaction(s) to monthly installment payments (including interest) over a
fixed period of time. When you create an Installment Plan you will have the
ability to choose the payment term (in months) with a corresponding annual
interest rate. Once you accept the Installment Plan Terms and Conditions and the
installment plan is created, you can cancel it at any time but you cannot change
it. CIBC Pace It Installment Plans are only available: (a) on Accounts in Good
Standing; and (b) for certain eligible Accounts and eligible Transactions. For
complete Terms and Conditions, visit CIBC.com/paceit.

6 CIBC foreign exchange rates apply. Only primary cardholders can use their
eligible credit card account to pay for the CIBC Global Money Transfer™ service.

7 CIBC does not charge interest on a CIBC Global Money Transfer appearing on
your statement if we receive full payment of the Amount Due (or for a CIBC
Global Money Transfer that has been converted to an Installment Plan during that
statement period, if we receive payment in full of the Balance) by the payment
due date for that statement. Capitalized terms in this footnote have the
meanings set out in the CIBC Cardholder Agreement.

8 CIBC Payment Protector™ Insurance for Credit Cards is optional creditor’s
group insurance underwritten by Canadian Premier Life Insurance Company
(Canadian Premier) and administered by Canadian Premier and CIBC (for more
information about Canadian Premier, you may call their customer service office
at 1-800-893-2862 Opens your phone app. (English) or 1-800-939-0169 Opens your
phone app. (French) or visit canadianpremier.ca Opens in a new window.. This
insurance is subject to eligibility conditions, limitations and exclusions
(which are circumstances when benefits are limited or not paid), including a
pre-existing medical condition exclusion for the Critical Illness coverage (the
illnesses covered are life threatening cancers, heart attacks and strokes). This
content is provided for informational purposes only and is not complete in
detail. For more details about CIBC Payment Protector™ Insurance, please click
here.

9 The card is provided and administered by CIBC and also serves as your Costco
membership card. When you have a card, you have a relationship with both Costco
and CIBC.

10 To qualify for the $20 statement credit (“Statement Credit”), the primary
cardholder must: (i) register for CIBC Online Banking or CIBC Mobile Banking on
or before December 31, 2022 (“Offer End Date”); and (ii) either the primary
cardholder or an authorized user on the credit card account must complete at
least one qualifying purchase that is posted to the account on or before the
Offer End Date using your activated Eligible Cards. Qualifying purchases do not
include cash advances, CIBC Global Money Transfer® service, interest, fees,
balances transfers, payments or Convenience Cheques. Purchases that are
subsequently returned will also not be treated as a qualifying purchase.

This offer is only available to a primary cardholder who held a Costco
Mastercard on March 3, 2022 and whose credit card account was subsequently
converted to one of the new CIBC Costco Mastercard or CIBC Costco World
Mastercard (“Eligible Cards”). This offer is also not available where the
primary cardholder changes credit card products, unless the primary cardholder
has product changed between Eligible Cards.

Please allow 8-12 weeks after meeting all of the offer requirements for the
Statement Credit to appear on your credit card account. Authorized users are not
eligible to receive the Statement Credit. The primary cardholder must have an
active Costco membership and the credit card account must be open and in good
standing at the time the Statement Credit is awarded. Only one Statement Credit
may be awarded per credit card account. This offer is not transferable. This
offer may be withdrawn or changed without prior notice at any time. This offer
may be revoked if you appear to be manipulating or abusing it, or are engaged in
any suspicious or fraudulent activity, as determined by CIBC in its
sole discretion.

11 Transactions must first be posted to your account before they can trigger a
spend alert. It may then take up to 24 hours after a triggering transaction is
posted for an alert to be sent.

12 Your CIBC Costco Mastercard must be open and in Good Standing and you must
have an active Costco membership on December 31 to be eligible for the cash back
gift certificate for cash back rewards earned in that year. CIBC is not liable
for any rewards earned by you with Capital One, whether or not CIBC elects to do
this.

13 CIBC may elect to credit the Primary Cardholder’s Cash Back Rewards Account
with Cash Back Rewards under these Program Terms in an amount equal to any cash
back rewards that were earned by you on your account with your previous card
between Jan. 1, 2022 and March 3, 2022. CIBC is not liable for any rewards
earned by you with your previous card, whether or not CIBC elects to do this.
This provision may be changed, withdrawn or discontinued at any time and cannot
be combined with any offer.

14 Refer to the terms and conditions on the Capital One coupon.

Once your account is transferred to CIBC on March 4, 2022, CIBC will become the
sole owner of your account. At that time, the terms and conditions of your
Capital One Costco Mastercard will cease to apply and your account will be
subject to the terms and conditions of your CIBC Costco Mastercard, as provided
by CIBC. Capital One shall have no responsibility, obligation, or liability
whatsoever with respect to any CIBC Costco Mastercard account, the CIBC Costco
Mastercard terms, their interpretation, delivery or implementation. If your
Capital One Costco Mastercard account does not transfer to CIBC, it will remain
the property of Capital One and will continue to be subject to the Capital One
Costco Mastercard terms then in effect. Nothing in this notice constitutes a
partnership or joint venture between Capital One and CIBC, and neither party is
liable for any representation, act or omission of the other party.

Capital One is a registered trademark of Capital One Financial Corporation, used
under license.

®† Registered trademark of Price Costco International, Inc. used under license.
           

Mastercard, World Mastercard and the circles design are registered trademarks of
Mastercard International Incorporated.

Trademarks

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