CIBC Classic Visa™ Card for Students

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 with responsible use
  • The convenience of a credit card with no annual fee


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®

As a CIBC Classic Visa for Student cardholder, you can manage, track and organize your credit card activity – and get access to enhanced security features.

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 smartphone5.

CIBC Online Banking®

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

Visa payWave™

Contactless payments for small purchases: a fast, safe and convenient alternative to paying with cash.6

More great deals for students

Ratings and Reviews

Terms and Conditions

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

6 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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