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CIBC Costco Mastercard
CANADA CREDIT CARD

CIBC Costco Mastercard

CIBC · Annual fee CA$0 CAD · Cash · data refreshed October 3, 2026

Quick answer: The CIBC Costco Mastercard carries a CA$0 annual fee and 3 catalogued benefits; its best earning category is Dining at 3x. MaxWorth is the only benefits tracker with hand-verified Canadian card data, and it never asks for a bank login.

Earning rates

CategoryRateTrue cash-back value
Dining3x3%
Gas Costco3x3%
Gas2x2%
Costco2x2%
EV Charging2x2%
Everything else1x1%

True cash-back value = rate × MaxWorth's valuation of the card's points currency; see the methodology.

Protections (3)

Mobile Device Insurance

CA$50/yr
Annual

Mobile device insurance providing up to $1,000 CAD coverage per year for repair or replacement of eligible mobile devices that are lost, stolen, or accidentally damaged within 2 years of purchase. The full purchase price of the device must be charged or financed to the card.

Purchase Security Insurance

CA$25/yr
Annual

Purchase security insurance covering eligible items charged to the card for 90 days from the date of purchase against loss, theft, or physical damage worldwide. Only the portion charged to the card is considered for reimbursement up to the benefit maximum.

Extended Warranty

CA$15/yr
Annual

Extended warranty insurance extending the original manufacturer's warranty by up to one additional year on most purchases charged to the card.

How to track it

Add the CIBC Costco Mastercard to MaxWorth and every credit above appears with its cycle set; you get a push before each one expires and the card's annual-fee ROI runs from what you mark used. No Canadian bank account is ever connected. What MaxWorth covers for Canadian cards.

Other CIBC cards

Source: the issuer's published terms, entered and verified by hand in the MaxWorth database; amounts in CAD. Methodology.