no annual fee. 1% divident. pay everything on visa when possible to earn divident. Example, phone, cell phone, insurance, hydro, ........
make sure u pay your bill every month though. if not, 19% interest can be a nightmare.
CIBC is not a very good bank for bussiness purpose though. , people working there don't know what they are doing. if you use their service for everyday banking only. they are cheap.