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CIBC Costco Mastercard

CIBC

MastercardRemise en argent

Reward earning

3% cash back at eligible restaurants and Costco gas

Frais annuels
0,00 $
First-year bonus value
0 $
Récompenses annuelles nettes
306 $
Valeur la première année
306 $

Based on typical spending of $2,000/month, after the annual fee. See the breakdown

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Last verified: October 2, 2026. Confirm current terms with the issuer.Official issuer source for CIBC Costco Mastercard (opens new tab)

Détails de la carte

Frais annuels

Main card: 0 $

Additional cards: 0 $

Interest rates

Purchases: 21,75 %

Cash advances: 22,49 %

Annual income

Personal: 15 000 $

Foreign transactions

Fee: 2,5 %

Type de carte

Mastercard · Remise en argent

Récompenses

Program: Remise en argent

Émetteur

CIBC

L’approbation relève de l’émetteur.

How you earn rewards

  • 3% cash back at eligible restaurants and Costco gas
  • 2% at other gas stations, EV charging and Costco.ca
  • 1% cash back on all other purchases

What is this card worth to you?

Based on typical spending of $2,000/month

Estimated first-year value

306,00 $

net annual rewards

Récompenses annuelles nettes
306,00 $

Rewards in a typical year, after the annual fee

Annual rewards breakdown

Rewards earned in a year306,00 $
Frais annuels0,00 $
Récompenses annuelles nettes306,00 $

A category-by-category split isn’t available for this card yet.

Use your own spending

Needs your input
Complete spending details. Complete spending details to calculate your rewards.

Complete these assumptions to calculate your value:

  • Confirm whether your spending mix is typical throughout one complete rewards year.
  • Confirm whether this profile includes all purchases for this account, including additional cardholders.
  • Enter monthly Eligible Canadian Costco gas. This is part of your existing spending.
  • Enter monthly Other eligible gas and EV charging. This is part of your existing spending.
  • Enter monthly Eligible Costco.ca purchases. This is part of your existing spending.
  • Enter monthly Eligible CIBC Costco restaurant purchases. This is part of your existing spending.
  • I already maintain active Costco membership, expect my account to remain open and in good standing on December 31, and will use the full annual certificate for eligible Canadian warehouse purchases
Using typical spending

$2,000/month in Canadian-dollar card spending. Travel benefits assumed usable.

Edit spending
Calculation assumptions for this card
Annual estimate assumptions for CIBC Costco Mastercard

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

Restricted certificate for primary-cardholder use once at eligible Canadian Costco warehouse front-end registers. Active Costco membership and open account in good standing on December 31 required. Gas, Costco.ca, alcohol, tobacco and other issuer exclusions apply. Certificate purchases do not earn rewards. Estimate assumes existing membership and excludes membership cost; unknown eligibility or use leaves monetary value unavailable. Free eStatements assumed; optional mailed-statement and contingent charges excluded.

Enter eligible net purchase spending only. Exclude cash advances, fees, interest and purchases that do not earn cashback. The estimate assumes an open account in good standing and does not model refund timing, mid-cycle rate changes or payout dates.

Les montants particuliers de cette carte sont explicitement fixés à 0 $; les dépenses de la catégorie continuent de suivre le taux de base examiné.

Monthly spending details

Review your monthly spending. Apply changes to update your profile across WalletReturn.

Earning rates, caps and redemption options
Typical spending: $2,000/month · $24,000/year · net of annual fee
First-year bonus
0,00 $
Récompenses annuelles nettes
306,00 $
Valeur la première année
306,00 $

Redemption methods

  • Standard point value
    —
Bonus rates apply to eligible purchases; everything else earns the base rate.
Points Breakdown — earning schedule
Spending categoryEarning rateRestrictions & Spending capAnnual earning
at eligible restaurants and Costco gas3% cash backConfirm eligible purchases and limits in the rules belowNot currently available
at other gas stations, EV charging and Costco.ca2% cash backConfirm eligible purchases and limits in the rules belowNot currently available
elsewhere1 % de remiseConfirm eligible purchases and limits in the rules belowNot currently available
Offre de bienvenueCheck the issuer for current offer terms. Year 1: Year 1 requires separately verified offer terms and qualifications.
Assumptions, restrictions & sources

Using typical spending. Annual rewards below are before the regular annual fee and exclude welcome offers.

Purchase scopes, account thresholds or shared limits affect earning. Eligible purchase scopes, spending thresholds or shared limits require the complete rules and calculation ledger.

Only the selected certified method is calculated. Optional travel assumptions appear separately and are not guaranteed redemption rates.

Published earning schedule

  • 3% cash back at eligible restaurants and Costco gas; 2% at other gas stations, EV charging and Costco.ca; 1% elsewhere.

Restrictions, caps & redemption

  • Eligible Canadian Costco gas earns 3% and other eligible gas/EV charging earns 2%, sharing a $5,000 annual net-purchase limit; 1% applies after the shared limit.
  • Eligible Costco.ca purchases earn 2% on the first $8,000 per calendar year and 1% thereafter; eligible restaurant purchases earn uncapped 3%; other eligible purchases earn 1%.
  • Rewards are a restricted Canadian Costco warehouse certificate issued in January for the prior year.
  • The primary cardholder must maintain an open account in good standing and active Costco membership on December 31.
  • The certificate is redeemable once at eligible Canadian warehouse front-end registers, with exclusions including gas, Costco.ca, alcohol and tobacco.
  • Certificate purchases do not earn card rewards.
  • Annual value assumes existing Costco membership and full eligible certificate use; it excludes membership costs, interest, fees and optional partner discounts.
  • Year 1 remains unavailable.
  • Purchase APR is 21.75%; cash advance APR is 22.49% outside Quebec and 21.99% in Quebec.
  • Estimates assume free eStatements and exclude optional mailed-statement and contingent account charges.
  • Shared $5,000 annual gas/EV limit; separate $8,000 Costco.ca limit; 1% after each cap. Restricted annual Costco certificate and membership conditions apply.
  • Restricted certificate for primary-cardholder use once at eligible Canadian Costco warehouse front-end registers. Active Costco membership and open account in good standing on December 31 required. Gas, Costco.ca, alcohol, tobacco and other issuer exclusions apply. Certificate purchases do not earn rewards. Estimate assumes existing membership and excludes membership cost; unknown eligibility or use leaves monetary value unavailable. Free eStatements assumed; optional mailed-statement and contingent charges excluded.
  • Issued with January statement for rewards accumulated January–December of the previous year.

Regular annual fee: $0.00. The value ledger deducts applicable fees separately.

Points and miles remain in their native units unless a redemption method and point value have been approved for this calculation.

Issuer category definitions, earning limits and restrictions apply.

Insurance & benefits

  • Travel medical: not included
  • Trip cancellation: not included
  • Trip interruption: not included
  • Flight delay: not included
  • Baggage: not included
  • Rental car: not included
  • Travel accident: not included
  • Hotel burglary: not included
  • Mobile device: included
  • Protection des achats: included
  • Garantie prolongée: included

4 insurance

AssuranceCoverage
  • Purchase security60 000 $

    $60,000 per cardholder across all CIBC cards held

    90 days from purchase

    Eligible personal items must meet the certificate card-payment requirements; reimbursement follows the covered purchase price or eligible portion. Excluded goods, other-insurance priority, claim documents and account-standing rules apply. Claim limits are not cash rewards.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Extended protection60 000 $

    $60,000 per cardholder across all CIBC cards held

    Doubles manufacturer warranty; up to 1 additional year

    Eligible personal items must meet the certificate card-payment requirements; reimbursement follows the covered purchase price or eligible portion. Excluded goods, other-insurance priority, claim documents and account-standing rules apply. Claim limits are not cash rewards.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Assurance appareils mobiles1 000 $

    Up to $1,000 per occurrence / insured person

    Eligible phone/smartphone/tablet loss, theft or accidental damage. Card-payment/financing and device-specific duration conditions require certificate confirmation; depreciation, deductibles, claims and exclusions apply.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Purchase security and extended warrantyInclus

    Eligible card purchases and certificate limits/exclusions apply; excess insurance. Factual/display-only: no product-specific WalletReturn valuation approved. Monetary value blank, not coverage/discount face value; no live record treatment asserted.

    Issuer terms (opens new tab)

    Not counted in this estimate

Pros & cons

Pros

  • 3% cash back at eligible restaurants and Costco gas
  • Sans frais annuels

Cons

  • $15,000 personal income required
  • 2.5% foreign transaction fee
  • Bonus categories have spending caps

Redemption

Redemption minimum, timing and restrictions
  • The certificate is redeemable once at eligible Canadian warehouse front-end registers, with exclusions including gas, Costco.ca, alcohol and tobacco.

Restricted certificate for primary-cardholder use once at eligible Canadian Costco warehouse front-end registers. Active Costco membership and open account in good standing on December 31 required. Gas, Costco.ca, alcohol, tobacco and other issuer exclusions apply. Certificate purchases do not earn rewards. Estimate assumes existing membership and excludes membership cost; unknown eligibility or use leaves monetary value unavailable. Free eStatements assumed; optional mailed-statement and contingent charges excluded.

Issued with January statement for rewards accumulated January–December of the previous year.

Sources & legal

Things to consider

  • Confirm current fees, earning restrictions, membership requirements and terms with the issuer before applying.

Last verified: October 2, 2026.

What’s not included

Values don’t include interest charges, so they assume you pay your balance in full each month. Insurance and perks without a set dollar value are listed but not counted.

WalletReturn is an independent comparison site, not the card issuer. Values are estimates.

Divulgation publicitaire : WalletReturn peut toucher une commission lorsque vous faites une demande au moyen de certains liens. Cela ne change ni nos calculs ni l’ordre des cartes. Consultez notre méthodologie publiée et divulgation publicitaire.

Verify the issuer’s current product terms before applying.

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