Elevate your trade tool kit

Tailored products and offers

Save money on bundled offers and choose from a range of products that suit your needs.

Expert advice for you

Get support to help you achieve your goals with personalized advice and investment solutions, in person or by phone.

Perks that work

Enjoy benefits like a free SPC membership for students and apprentices and savings on gas with Journie Rewards.

Where are you in your skilled trades journey?

Skilled trade students

Get set for school and beyond. You are enrolled in a skilled trade college program.

Skilled trade apprentices

Where learning meets earning. You are completing 2 to 5 years of work experience in your field.

Skilled trade professionals

Start your career off strong. You are working full-time or as a small business owner in your trade.

Banking solutions for every skill

Bank Account

CIBC Smart for Students


Unlimited everyday banking for students and apprentices.

Monthly fee:

  • Get $50 for each friend you refer, up to 10
  • Unlimited debit and Interac e-Transfer transactions1,2 for no monthly fee3
  • Save 30% on over 450 top brands with a free SPC+ membership

Credit Card

CIBC Dividend® Visa* Card for Students


Student budgets go further with cash back on groceries, transportation and other essentials.

Annual fee:

Purchase interest rate4:

 

Cash interest rate4,5:

non-Quebec residents

Quebec residents

  • 2% cash back on eligible groceries6
  • 1% cash back on eligible gas, electric vehicle charging, transportation and recurring payments6
  • Free SPC+ membership | Extended warranty7 | Pay in installments

Lending

CIBC Education Line of Credit


Help cover the cost of tuition, tools, housing and more.

Rate:

  • Borrow up to $80,000 for your post-secondary education
  • Pay interest only on the amounts you actually use while you are in school, and for 24 months after graduation (or 6 months if you leave your program without graduating)
  • Save 30% on over 450 top brands with a free SPC+ membership

Bank Account

CIBC Smart for Students


Unlimited everyday banking for students and apprentices.

Monthly fee:

  • Get $50 for each friend you refer, up to 10
  • Unlimited debit and Interac e-Transfer transactions1,2 for no monthly fee3
  • Save 30% on over 450 top brands with a free SPC+ membership

Credit Card

CIBC Dividend Platinum® Visa* Card


Reward your everyday spending and enjoy a first-year annual fee rebate for you and up to 3 Authorized Users††.

Annual fee:

first year rebated††

Purchase interest rate4:

Cash interest rate4,5:

non-Quebec residents

Quebec residents

  • 3% cash back on eligible gas, electric vehicle charging, and groceries9
  • 2% cash back on dining, transportation and recurring payments9
  • Save on gas at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations when you link your card with Journie Rewards

Lending

CIBC Professional Edge® Student Program


Help cover the cost of tuition, tools, housing and more.

Rate:

  • Borrow up to $80,000 for your post-secondary education
  • Make interest-only payments10 while in school and up to 24 months11 after apprenticeship
  • Save 30% on over 450 top brands with a free SPC+ membership

Bank Account

CIBC Smart™ Plus


All-in-one banking that rewards you.

Monthly fee:

  • No monthly fee when you maintain a daily balance of $6,000 or $100,000 in eligible savings and investments12
  • Pay no annual fee on eligible CIBC credit cards for the primary card holder when you bundle with your Smart Plus account13
  • Enjoy free personalized cheques, bank drafts, money orders and stop payments on cheques and pre-authorized payments14

Credit Card

CIBC Dividend® Visa Infinite* Card


Maximize your earnings and enjoy exclusive perks with our top-rated cash back card, including a first-year annual fee rebate for you and up to 3 Authorized Users††.

Annual fee:

first year rebated††

Purchase interest rate4:

Cash interest rate4,5:

non-Quebec residents

Quebec residents

  • 4% cash back on eligible gas, electric vehicle charging and groceries15
  • 2% cash back on eligible transportation, dining and recurring payments15
  • Enjoy an annual fee rebate every year for the primary cardholder of up to $120 if you have a Smart Plus Account13

Lending

CIBC Professional Personal Line of Credit


Get convenient access to cash and only pay interest on the funds you use.

Rate:

  • Access to funds on an ongoing basis
  • Get flexible funds for home renovations, vehicle purchases, daily spending and even consolidating your higher interest debt
  • Enjoy competitive interest rates

Additional tools and support

Support for students

Get set for success in school and your apprenticeship with our collection of products and advice.

Learn more

Support for entrepreneurs

We can take you to the next level with expert guidance on accounts, cash flow, borrowing and more.

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Support for newcomers

Let us help make Canada feel like home with banking solutions and advice for skilled trade newcomers and their families.

Learn more

CIBC Investor's Edge

Build your own investment portfolio with the Investor's Edge online and mobile trading platform and enjoy low commissions.

Learn more

Smart advice

We can help you learn how to build your savings, manage your debt and invest for the future, no matter where you’re at in life.

Learn more