Find out the status of your application in as little as 60 seconds

Apply and you’ll get a response in as little as 60 seconds!

Pay no annual fee with the CIBC Classic Visa* Card

Get built-in benefits, including Purchase Security and Extended Protection® Insurance1

CIBC Classic Visa* Card

  • The convenience of a credit card with no annual fee
  • Get up to a 25% discount on car rentals2
  • Find out the status of your application in as little as 60 seconds5


An affordable and trusted everyday card.

This card is perfect if you:

  • Need a card with unsurpassed acceptance worldwide
  • Don’t want to pay an annual fee
  • Enjoy making small purchases faster with Visa payWave™
  • Want added benefits including CIBC Convenience Cheques and cash advances up to $1,000 a day3
  • Want to save up to 25% on car rentals at participating Avis® and Budget® locations2

No annual Fee No Fee for Additional Cards (up to 3)

Interest Rate - Purchases4: % Interest Rate - Cash4: %

Insurance Coverage

Travel and shop confidently with CIBC Insurance.


  • $100,000 Common Carrier Accident Insurance1
  • Purchase Security & Extended Protection Insurance1

Agreements & Insurance

Cardholder Agreement, Benefits Guide and Insurance Certificates


  • CIBC Payment Protector™ Insurance for credit cards
  • CIBC Emergency Travel Medical Insurance


Even more reasons to choose the CIBC Classic Visa Card.

Authorized User Spending Limits

Assign specific spending limits for purchases and cash to any of your authorized user(s)6 - at no cost.

CIBC CreditSmart®

Innovative credit management tools to help you better manage your credit card spending, plus protection features for enhanced security.

  • Enhanced Monthly Statements
  • Spend Report
  • Spend Alerts
  • Personal Spend Manager
  • Credit Report Alerts
  • Fraud Alerts
  • Identity Theft Assistance

CIBC Mobile Banking®

On-the-go banking 24/7 with CIBC Mobile Banking™ Apps for iPhone, iPad, Android™ and other smartphones.

CIBC Mobile Payment™ App

Make secure credit card purchases of up to $50 at participating vendors using an eligible smartphone.

CIBC Online Banking®

View electronic statements, make payments and transfers, increase credit limits, request additional cards, and more.

Visa payWave

Contactless payments for small purchases: a fast, safe and convenient alternative to paying with cash.7

Ratings and Reviews

Terms and Conditions

1 Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). Different cards will have different coverage(s). To learn about included insurance(s), and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, see and the insurance certificate(s) in your card package. Some insurance(s) require purchases, common carrier fares and other trip costs to be charged to the card to activate coverage (other conditions may also apply). Certain RSA coverages are “excess insurance” (all other sources of insurance and recovery must be exhausted before benefits are available). For more information, call RSA toll-free at 1-866-363-3338 in Canada, continental U.S. and Hawaii or collect from elsewhere at 905-403-3338.

2 Discounts are determined by the participating rental agency and apply to time and kilometre/mileage charges only.

3 CIBC Convenience Cheques bear interest from the date they are posted to your credit card account and cash advances bear interest from the date they are taken from your credit card account. CIBC Convenience Cheques and cash advances are subject to available credit and available cash.

4 Interest rates will change from time to time on at least 30 days prior notice to primary cardholders. “Cash” means cash advances, balance transfers and CIBC Convenience Cheques.

5 We may withdraw approval if we become aware of any unfavourable information regarding your financial position or account status, or if you are unable to provide any additional information reasonably requested by CIBC. The application response time may take longer than 60 seconds in the event of technology issues. If you supply your email address, an application status email will be sent as soon as the technology issues are resolved. Otherwise, you will receive a response to your credit card application within 7 to 10 business days.

6 Primary cardholder may assign and change the Authorized User Spending Limits on his or her credit card account for any authorized user(s) by contacting CIBC. CIBC may make adjustments to the spending limits any time following a decrease in the credit limit or cash limit of the card. “Cash” refers to cash advances, convenience cheques and balance transfers. Visit for full details.

7 Subject to merchant transaction limits.

All information is valid at the time of publication and is subject to change without notice.

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