S. $0. Earn cash back on all your business purchases 4. Purchase date will be based on the date the transaction is posted to your Account. If CIBC Telephone Banking, the banking centre, or CIBC Credit Card Services is unable to resolve your concern, you can. Its more of a bank policy incase someone tries to use the membership and credit card in one go. Opens a new window in your browser. You’ll only be hurting your credit score by continuing to ask for credit increases with CIBC, and even if you do, you’ll only be. How to Cancel CIBC Credit Card . Learn more. #1. Many of our locations are open late and on weekends. 99% Go to footnote 3 (purchases), 22. 2% cash back at Costcobusinesscentre. 5% all CAD purchases and 3% USD purchases cashback. Lovely_things_33 •. Contact credit card services and get them to take the Newcomer coding off your credit card now that you've built up your credit history and you should start being eligible for increases going forward. With the Lock and Unlock feature, you can. Terms and conditions. Credit card information is entered on a separate screen. CIBC Business Banking. An online application will allow for a quick decision on your loan or line of credit request. Well, the answer is not so straightforward. Your newcomer journey at a glance. Then after you transfer all the money, you can close any cibc related accounts and use Stack after you leave the country. cash back at Costcobusinesscentre. To date, the CIBC Costco Mastercard is the only Costco credit card that has ever earned more cash back for Costco purchases. $1,000. The aim of the fund is to achieve a high level of income. To maintain good credit, you need to make the minimum payment on your balance each month. | Transcript for how to Open a Bank Account or Apply for a Credit Card Anywhere with the CIBC Mobile Banking App video. Box 4452 Station A Toronto, ON M5W 4A8 21. If you used the most expensive 120$/year visa infinite dividend card (4% gas/groceries and 2% for other stuff), you would then get 64$ back. Select the “Register for digital banking” button. This will include any loans, mortgages and hire-purchase agreements. Find a Banking Centre. Send up to $25,000 instantly across Canada with Interac e-Transfer® for Business. Call CIBC and see if they can get that issue sorted out. CIBC Pace It ™ Installment Plans: Special rates on eligible Costco purchases ‡. CIBC Aeroplan® Visa Infinite Card. Sign on. To use our speech-enabled bill payment system, say “billing”, then listen to the prompts. View your transactions in real-time. Add as a bill payee and your account number is the card number. Get a free credit score instantly with our CIBC Mobile Banking® App. Lock and unlock card. May 26, 2009. Cut it out — your costs, that is. If weEarn up to 2,500 Aventura Points Go to footnote 1 for no annual fee. Minimum annual income of $15,000 is required to qualify for the CIBC Costco Mastercard. To register for mobile and online banking as a new client you will need a valid CIBC debit or credit card. Step 1. (Effective the first day of your 2023 December statement period: 22. Usually only takes about thirty minutes to sort out. CIBC wont replace expired credit card, want me to apply for another one. Gambling Online with BMO Account in Canada 2023. I've only used the TD and CIBC app. Opens in a new window. i didnt receive any replacement. Then Coscto switched to CIBC credit card exclusively, my nightmare started. CIBC Aeroplan® Visa Infinite* Card. Use the CC number as the account number. If CIBC processed your application it would show. (Plus ™ and other Visa ™ networks)*. Find the number associated with your deposit or Personal Line of Credit account which appears in the format xxxxx-yy-yyyyy: the first 5-digit number [xxxxx] is the transit number and the last 7-digit number [yy-yyyyy] is the bank account number. CIBC Aeroplan® Visa* Card for Students. Apply Aventura Points toward your Aventura card balance or select CIBC financial products with Payment with Points 1. $15,000 minimum annual household income. Capital One® Walmart Rewards™ Mastercard®. ca, on shipping, on insurance services and at all other gas stations. At CIBC, we believe the more you know about your credit card, the more informed choices you can make. Most of the top real money casinos and poker sites online accept Visa, but not all of them are going to be ideal for you. Opens your phone app. e) If your Card and PIN are used to access a non-credit card account, the CIBC Debit Agreement applies to any losses. Access high credit limit — up to $50,000 1. Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each). 99% on cash. From building your wealth to planning for retirement, we can offer you personal advice and a range of tools to help you meet your goals. 50 (1% transfer fee + cash advance fee) So your savings with this plan nets you $30, assuming you don't use the card until. number, contact CIBC Telephone Banking, CIBC Credit Card Services, or a CIBC Banking Centre as soon as possible. CIBC Pace It™ Installment Plans: Special rates on eligible Costco purchases †. As your husband did, next time you. Examples include casino gambling chips or credits, money orders, wire transfers, and travellers' cheques. In 2015, 5. Cashback Bonus; No Wagering Casinos; Match Bonus. If you're a AeroCorporate and U. There's no limit to the total cash back you can earn. Call cibc telephone banking to link your CC to your profile. 49% ( 21. Need to pay for something you found on Marketplace or Kijiji? Use the one-time contact feature and leave your contact list clutter-free. Use our interactive map to view where you’ve made transactions. Unauthorized credit card transaction. 2. Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each). ⓘ , ⓘInterac e-Transfer® for Business allows you to send funds up to $25,000 from your business account easily and safely to anyone with an email address, mobile phone number or Canadian bank account. 5% fee than to take out cash from a Canadian bank as the markup on US is more than 2. Recent data suggests steady growth among debit card transactions in Canada. Discover 2023's Best Credit Card Online Casinos - Read our expert guide to learn how to use credit cards for online gaming. 33. 00. TORONTO, June 24, 2021 /CNW/ - In response to rising consumer demand for flexible installment plans, CIBC, together with Visa, today announced a new installment payment option for online purchases. You likely don't have enough information on your file if you were previously a Capitol one client, as the switch did not transfer all your information necessary for a CIBC employee to validate you. Each credit card has a limit — the maximum you can charge to the card. Rewards. Types of Credit Cards Accepted at Gambling Sites. They have the right to prevent deposits made with debit cards, but you can transfer your funds to an e-wallet. It got approved immediately and the next day he received an email that said the card will arrive within 10 business days. How do I get My Rewards? My Rewards may be downloaded via the CIBC FirstCaribbean My Rewards mobile app in the iOS store or the Google Play Store. Our mobile banking app has earned top scores for its convenience and ease of use. CIBC credit card online gambling has the best payouts with minimal. Updated coverage: Trip cancellation – coverage increase from $1,000 to $1,500 per insured person. If you use CIBC Online Banking but do not comply with the CIBC Electronic Access Agreement, you may be responsible for all losses that result. Comprehensive insurance coverage Go to footnote 2 and no annual fee. To open an account, call us at 1-800-465-2422 or book a meeting. most unreliable card ever,,, Just wouldn't allow me to get a hamberger at Harveys, I know payments are up to date, and card is no where near maxed out, next payment due in a few days, and card doesn't work, how embarrassing, and on a Sat night, needed gas to but decided to skip getting fuel, went home feeling like the credit card system is all seriously. If CIBC isn't willing to approve you for the minimum credit limit for a card (in this case, $5000), they will offer you the Gold which has a minimum CL of $500 and often the same public offer. g. Review your credit card purchases in real time with interactive transaction details, available in Online Banking or the mobile app. Sign on to CIBC Online Banking. On the My Accounts page, select “View eStatements. Use our checklist to help recognize a transaction. 7 debit card transactions, totaling $251. Ensure the refund process unfolds without a hitch by using these five tips. At a whopping 2% back, you can finally collect more money when you shop. CIBC bizline® Visa* Card. Manage your daily spending and grow your savings with help from CIBC Insights — a tool included in the CIBC Mobile Banking App® that offers tailored tips based on your debit and credit card activity. Get tailored advice about banking offers that fit your unique needs with the CIBC Smart TM Guide to Canada. Just remember to open your new CIBC bank account, credit card or line of credit before December 31, 2023, to enter the contest. Telephone Banking: 1-800-465-2422 | Contact us. 5% administration fee 3. Plus, you’ll earn double Aventura Points on any pre-tax travel. Using a Scotiabank Account for Internet Gambling in 2023. Currently in the Philippines trying to use a CIBC credit card to book a flight and need to get 2FA waived. 5 points per dollar at gas stations,. A payment from your Account to a CIBC credit card or personal line of. Transfer from your bank account to visa. Set up Bill payment or “new payee” then search for CIBC visa or CIBC master card. A flat commission of $39 applies if trading 1,000 shares or less. Add your credit card as a bill payment. CIBC may also be able to dispute a transaction on your behalf. Fuel up for less. We’re here to help. Agreed that this is the worst way. If a gambling site takes one of these brands, you can usually use debit cards and prepaid cards and gift cards of the same type. Activate your card through CIBC Online Banking® or CIBC Mobile Banking®, or by calling CIBC at 1 800 465-4653 (Canada and the US) or 514 861-4653 (from elsewhere). Limits apply. For Canadians who love to use Visa, online gambling sites definitely have them in mind. Sign on. Examples include casino gaming chips,money orders,wire transfers, and travellers' cheques; and • using telephone or online banking to pay bills or transfer funds from your Visa Account. Annual fee. On Demand Redemption Terms and Conditions (PDF, 135 KB) Opens in a new window. 4. I called them today, asking for the replacement and why i didnt get any. If CIBC isn't willing to approve you for the minimum credit limit for a card (in this case, $5000), they will offer you the Gold which has a minimum CL of $500 and often the same public offer. Purchase interest rate 1 13. Online Casino. Safe Betting - Reputable. ca, on shipping, on insurance services and at all other gas stations 4. Top 3 are RBC, TD & BNS. According to a September 21st, 2018 media release, CIBC customers will be able to quickly lock and unlock credit cards through the bank’s online portal or mobile banking apps. Get Smart Interest on top of your regular interest when you save $200 or more in any month. Have foreign cash delivered for free to your home, a CIBC Banking Centre or Pearson airport. Interest rate: 5. Find a CIBC Mortgage Advisor. Available online or in-store, a merchant’s refund. Join and get up to $3,100 in value in your first year. Our team of experts find the most reputable online gambling sites that offer a top-quality. Convenience Cheque means a cheque we have supplied for use with your. You can also find the toll-free customer service number on the back side of your credit card. For Canadians who love to use Visa, online gambling sites definitely have them in mind. The Leaders in Internet Gambling – How We Got Here Online Roulette Best free no deposit Cash and Casino Credits Online Gambling With Canadian Imperial Bank Of Commerce - Online Casino Games Bonus PromotionsRestricted Transactions: Your CIBC Advantage Debit Card cannot be used to receive credits for online gambling transactions, wire transfers, money transfers or gains/dividends from investment instruments. On Demand Redemption Terms and Conditions (PDF, 135 KB) Opens in a new window. To register, you’ll need a valid CIBC debit card or CIBC credit card with an expiry date. Find a banking centre. Double-check the spelling of your billing address and make sure it directly matches what you have on your banking and credit card accounts. 99% for Quebec residents)) Apply now. Open an account today. Learn how CIBC limits the collection, use and disclosure of personal information and keeps information private. With more than 1,100 locations, we're easy to find. Once logged in, navigate to the “Manage My Accounts” section and select “Activate Credit Card. Monthly fee 6 : $0. No added credit checks or approvals are needed, as. " You can pay by either cash, cheque, or money order; if you pay by cheque or money order, it must be made payable to CIBC (not to you). 1. Learn more. eStatements offer ease and convenience View. And, lest we forget, the minimum CIBC credit card cash. Earning Aventura Points is easy. Type in your card number then save. If you have a complaint and do not feel comfortable discussing it with an employee at the CIBC Bank Customer Service Department then you can get in touch with the CIBC Customer Care. Edit to add context about my issue:Ensure seamless online payments of your credit card bill by adding CIBC MASTERCARD as a payee through your current financial institution, using your 16-digit credit card number. you were to the branch with ID to increase the likelihood that you could activate your card. †. $499. The new federal tax brackets for 2022 are as follows: Income. ago. Send money to over 120 countries using CIBC Global Money Transfer™ and pay no transfer fee. $60,000 individual, or $100,000 household minimum annual income. $15,000 minimum annual household income. Limits apply. 99% for their Payment Deferral Period (“Reduced APR” and together with the Payment Deferral Period and other forms of relief CIBC offered its credit card customers, the “COVID-19 Relief Measures”CIBC Aeroplan ® Visa* Card. Also go through your online account information to see if there are any options that need to be selected for use of the card online. Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Aventura® Visa Infinite* Card or CIBC Aventura® Gold Visa* Card are excluded. With Interac e-Transfer, you can send, request and automatically receive money using an email address or mobile phone number. 2. Sign up for eStatements in Online Banking. The FirstCaribbean Credit Card Cardholder Agreement ("Agreement") provides and explains the terms and conditions governing the use of the FirstCaribbean Credit Card at all times. How to join and earn 2 times the More Rewards points. Here are the bonus reward categories with the card: 3X Points and Tier Credits per $1 spent at MGM Rewards Destinations. , enter your CIBC debit card number and we'll help you set up your 3-digit PIN. Find the top casino now!Paying yourself: Tax-savvy. Guides. CIBC Aeroplan® Visa Infinite Card. The single best thing you can do for your credit score is pay your bills on time. Instant Deposits - Any deposits made with a prepaid card are likely to place immediately. TORONTO, Oct. Points are redeemed for FREEPLAY and Express Comps for use on rooms, dining, and. Just go to cashier, it will be easier. Set up alerts and choose to be notified as soon as possible about potential unauthorized use of your credit card through alerts by email or online message. What are the most reliable USA banks that allow online gambling? Detailed casino guide for CIBC customers. to a service provider through CIBC Online Banking or the CIBC Mobile Banking App (of at least $50 each) within the same calendar month. CIBC website doesn't display how to pay your bill. Get a free credit score instantly with our CIBC Mobile Banking® App. or the CIBC Mobile Banking App ® For credit cards, call: 1-800-663-4575 Opens your phone app. Call us: 1-800-385-2582. This is on top of the original $1,000, bringing the total you’ll pay off the card to $1,053. Its still active online and in my credit report. 2. All About Product Switching [2021] Originally published in 2018, this article has been refreshed to reflect the latest updates in the product-switching scene: RBC’s distinction between standard and limited-time offers, TD’s new 12-month rule on Aeroplan cards, CIBC’s rotating upgrade offers, and more. A good credit history is important, especially if you want to make. If I were you, I’d just get another credit card with another bank. This is on top of the original $1,000, bringing the total you’ll pay off the card to $1,053. 100% Bonus; 200% Bonus; 300% Bonus; Rewards Bonus;. Add up to 9 cardholders under one account. 99% on purchases, 22. com, and select “Register”. With its seat at Toronto and over 40,000 employees, this company is one of the most used banks in the country. Use the CC number as the account number. f) You must fully co-operate in any investigation about a loss. Credit cards. Open an account today. Additionally, each type of Visa prepaid card has different pricing tiers, allowing customers to set specific deposit limits. You can dispute incorrect charges on your credit card statement. Accordingly, the 2022 thresholds were bumped up, meaning Canadians may have more of their income taxed at lower rates. That wasn’t always the case. You’ll only be hurting your credit score by continuing to ask for credit increases with CIBC, and even if you do, you’ll only be getting $500-$1000 increase max. 07 in interest, plus $30 for the cash advance fee on top of your $1,000 bet. ago. CIBC CreditSmart ® helps you track your credit card activity. LV: Best Real Money Online Casino Overall. i didnt receive any replacement. Credit Cards. Many of our locations are open late and on weekends. Canadian Imperial Bank of Commerce, or CIBC, is a full-service financial institution founded in 1867. MaFangFang. if you do not have a CIBC chequing account, pay from Scotiabank as a bill payment. Card account must be open and in good standing at the time the bonus Aventura Points are awarded. for every $2 spent on all other purchases. Fraud prevention. 99% on purchases, 22. Access personalized travel booking and trip planning with no booking fees. When you request an installment. Learn how to lock and unlock your card, monitor transactions and more. Dollar Aventura Gold Visa Card. Your CIBC Advantage Debit Card ® or credit card; Access to one of the phone numbers you have on file with us;You can now tap your phone for up to $250 with Interac Debit at a growing list of retailers in Canada. I helped my dad apply for a CIBC credit card 4 weeks ago online. If you were enrolled in AutoPay on your previous credit card, this service ended on March 3, 2022. 13 14 13 Important contact information CIBC Credit Card Services For current hours of business, please visit: cibc. Once the credit card is linked you can make payments as a transfer instead of a bill. If weCredit cards. You’ll automatically get 2 times the More Rewards points. Find a banking centre. Payments even a day or two late can. Select “Statement Preferences” and choose your. You will have access to an emergency replacement card and up to $5,000 in emergency cash advances. 00 each 2 plus a 2. Get $350 † with a CIBC Smart™ Plus Account. 1-866-525-0262. Have foreign cash delivered for free to your home, a CIBC Banking Centre or Pearson airport. Choose from cards that take you further. Transfer your credit card balance — get 0% interest for up to 10 months with a 1% transfer fee † and a first year annual fee rebate ‡ . US cross-border banking solutions for all your travel needs. Dragynfyre • British Columbia • 2 yr. ”. Get the goods when you shop with Visa Debit. Meet with us. e) You must fully co-operate in any investigation about a loss. Get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each). Thanks for narrowing that down. In person: Visit a CIBC Banking Centre near you. Top 3 are RBC, TD & BNS. You’ll only need to register once using either CIBC Online Banking or the CIBC Mobile Banking® App to bank on all your devices. Just remember to open your new CIBC bank account, credit card or line of credit before December 31, 2023, to enter the contest. If you use CIBC Online Banking but do not comply with the CIBC Electronic Access Agreement, you may be responsible for all losses that result. For example if you have 12000 you can transfer 6000 and use it in cash and return it back ( there are a limited time for that you will need to make sure about) and you will only pay 1%. Business Credit Card Transfers: All transfers of funds from a Business CIBC credit card Account to another Account using Online Banking and all bill payments from a Business CIBC credit card Account using Online Banking are treated as cash advances, which are subject to the terms of the agreement that governs use of the CIBC credit card Account. Learn more. If weApple Pay/Google Pay for point-of-sale transactions (tapping your phone) IS supported with a CIBC debit card. To access the Bills menu, select 1, then select 2. One strategy is to transfer it to a card with a lower interest rate — preferably one that has a balance transfer offer. Meet with us. ) e) If your Card and PIN are used to access a non-credit card account, the CIBC Debit Agreement applies to any losses. Select “Bill Payments”. Find a CIBC Mortgage Advisor. Let’s say you have a current credit card balance of $5,000 with an interest rate of 21% and a minimum monthly payment of $105. You can also view eStatements online for your personal lines of credit and investment accounts2. If we I used Costco credit card from CapitalOne for 5 years, everything was fine, my life is full of amazing & peace. " You can pay by either cash, cheque, or money order; if you pay by cheque or money order, it must be made payable to CIBC (not to you). An example of a Visa Debit purchase includes the online purchase of streaming services using a debit card as the payment method. It is considered to be one of Canada’s Big Six banks. Access online Banking or the Mobile App and activate and select a PIN in seconds. Access online Banking or the Mobile App and activate and select a PIN in seconds OR by 2. Once logged in, navigate to the “Manage My Accounts” section and select “Activate Credit Card. 20. Minimum $60,000 individual annual income or $100,000 household annual income is required to qualify for the CIBC Costco®† World. Save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations when you link your card with Journie Rewards. An extra $15 each month can go a long way. Issuers that. CIBC may also be able to dispute a transaction on your behalf. On January 9, 2024, a winner will be picked from active SLN members. Enter the verification code in the Identity Verification box and select. Even though the bank expressly limited online gambling transactions a few years ago, it no longer seems concerned with these types of payments. I connected my debit card initially, and on the CIBC website I enter in my debit to access my savings, investments, and credit card. 99%. 49%. You can also view eStatements online for your personal lines of credit and investment accounts 1. Basically, if you have a card in your wallet, then. 1. With Visa Debit you get the freedom to shop the world* through millions of apps and websites in over 200 countries. if you have a chequing account and do not want to call them use bill payment option. For a full list of CIBC’s best credit cards please visit Milesopedia Opens in a new window. Provide your email address when you open a CIBC Smart Account for Newcomers, then within 2 months: Set up ongoing monthly direct deposits totalling $500 or more. Slots Empire: Best for online slots. Sign on to CIBC Online or Mobile Banking and follow the prompts to activate your new or replacement credit card. Credit cards. Find the CIBC credit card that helps you earn travel rewards, retail perks or cash back on your purchases. net】Book of Ra Book of Ra ist einer der beliebtesten Spielautomaten in Deutschland,cibc credit card online gambling Spielautomaten Spielautomaten sind in Deutschland sehr beliebt, sowohl in Spielhallen als auch in Online-Casinos,best nc online gambling sites Wenn die Kugel schließlich in. Over the phone: Call one of our customer care representative at 1-866-525-8622. Retailers take a flat fee, and you are usually obliged to spend at that store. May not be available in your state. UnderstandingFresh84. More articles More articles about. Discover the Business Services Digital Advisor, a tool that helps business owners find the right financing options to make their ambitions a reality. Schedule a call. Benefits of CIBC student credit cards. Points are redeemed for FREEPLAY and Express Comps for use on rooms, dining, and. Send money to over 120 countries using CIBC Global Money Transfer™ and pay no transfer fee. Select your National Bank credit card and click on Activate my NBC card. RDS%rate [2]. You can activate your National Bank credit card via NBC online banking: Log in to your online bank. ) 1-514-861-9898 Opens your phone app. It lets clients convert planned or unexpected eligible purchases ($100 or more) into installment plans and spread payments over a fixed term with a lower interest rate (versus a standard credit card APR). The only business credit card exclusively for Costco members. Here is the list of the Big Five banks of Canada: Royal Bank of Canada (RBC) – RBC is the largest bank in Canada. As with a personal credit card, the debt appears on your personal credit bureau report. with your CIBC credit card. 5 points on gas, groceries and Air Canada. CIBC is a member of Canada Deposit Insurance Corporation (CDIC) Terms and conditions. Terms and conditions. $99 each for up to 9 additional cards. Go to cibc. Misplacing your credit card is stressful. Select the “Register for digital banking” button. CIBC wont replace expired credit card, want me to apply for another one. With Interac e-Transfer, you can send, request and automatically receive money using an email address or mobile phone number. Many online users are not aware that credit cards treat the amount you spend on lottery tickets as a cash advance, and thus charge anywhere from $5 to $10 per transaction. ago. reason and you must not use your Credit Card Account: a) for any fraudulent or illegal purpose, including purchasing goods or services prohibited by local law. Best Online Casinos Accepting Visa in 2023. I would say your credit card was coded under a Newcomer program, which keeps your limit as is. if you do not have a CIBC chequing account, pay from Scotiabank as a bill payment. This feature is available with support for multi-signatory accounts and payment approval entitlement on CIBC SmartBanking™ for Business. From the terms: Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to CIBC Aerogold® Visa* Infinite Card are excluded. Interest rate: 5. Learn more. Cardholder Spending Limits. Register for Autodeposit to have your money automatically deposited into your. 2 . f) You must fully co-operate in any investigation about a loss. 90-day protection with Purchase Security Insuranceif your new purchase is stolen or breaks. 28, 2019 /CNW/ - CIBC (TSX: CM) (NYSE: CM) clients can now replace a lost or stolen credit card in a few simple steps through mobile or online banking and instantly use the new card with their mobile wallet before. Minimum $60,000 individual annual income or $100,000 household annual income is required to qualify for the CIBC Costco®† World. If you were enrolled in AutoPay on your previous credit card, this service ended on March 3, 2022. The most common types of Discover cards are Cash Back, Secured, NHL, and more. Those spendings only would yield 19$ a year. Most major credit card issuers don't permit gambling purchases with their credit cards, whether officially in their terms or unofficially by declining the transactions. 99% to 22. A variety of factors at play Ultimately, the ability to use a credit card to place bets could depend on several factors, including the. How to: Open a Bank Account or Apply for a Credit Card Anywhere (0:59) Play video: How to: Open a Bank Account or Apply for a Credit Card Anywhere (0:59). Whether you’re headed to the US for a short trip or an extended stay, we’re here to support you. It takes months for a card to disappear. CIBC Imperial Service advisors. CIBC outage. CIBC Sustainable Canadian Core Plus Bond Fund. CIBC Aventura ® Visa Infinite* Card. L. Select the bill you want to pay from the list of results. Over 1,000 banking locations and nearly. If you used the platinun (non-student) version, which cost 99$/year and would give 3% on gas/groceries and 2% on everything else, you would get 51$ back.