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 CIBC's Classic Visa* Card for Students

Learn how to manage credit with a CIBC student credit card

CIBC Classic Visa* Card for Students

  • Created to help students build credit responsibly
  • The convenience of a credit card with no annual fee
  • Find out the status of your application in as little as 60 seconds5


A card with no annual fee – perfect for building your credit.

This card is perfect if you:

  • Are a student over the age of majority in your province
  • Want to start building your credit history
  • Don’t want to pay an annual fee
  • Need a card with unsurpassed acceptance worldwide
  • Want to make small purchases faster with Visa payWave
  • May need access to cash advances, up to $1,000 a day1

No Annual Fee

Interest Rate - Purchases2: % Interest Rate - Cash2: %

Insurance Coverage

Travel and shop confidently


  • $100,000 Common Carrier Accident Insurance3
  • Purchase Security & Extended Warranty Insurance3

Agreements & Insurance

Cardholder Agreement 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 for Students

Authorized User Spending Limits

Assign specific spending limits for purchases and cash to any of your authorized user(s)4 – at no cost.

CIBC CreditSmart®

Innovative tools to help you better manage and organize your credit card spending, plus protection features for greater security.

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 $100 at participating vendors using an eligible smartphone6.

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 of up to $100: a fast, safe and convenient alternative to paying with cash7.

More great deals for students

Ratings and Reviews

1 Cash advances bear interest from the date they are taken from your credit card account and are subject to available credit and available cash.

2 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 Convenience Cheques.

3 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.

4 Primary cardholder may assign and change the Authorized User Spending Limits on your 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.

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 The Authorized User Spending Limit and the CIBC Mobile Payment App features cannot be used on the same credit card account.

7 Subject to merchant transaction limits.

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