Banking guide

Banking offers for your skilled trades career

Bank Account

Special offer

CIBC Smart™ Account


Pay no monthly fee for 24 months

Plus, get $450 cash when you open a CIBC Smart Account as your first chequing account and complete the qualifying actions.

Monthly fee after your second year:

  • Receive one free withdrawal using a non-CIBC ATM in Canada per month and then $2 for each additional withdrawal as well as any applicable fees charged by the other financial institution
  • Unlimited Interac e-Transfer transactions are included2

Credit Card

CIBC Adapta™ Mastercard®


Join and get up to $100 in value including free roadside assistance7.

Get the card that automatically rewards you with bonus points8 in your top 3 spend categories, with no annual fee.

Annual fee:

Purchase interest rate3:

Cash interest rate3, 4:

non-Quebec residents

Quebec residents

Minimum annual income: $15,000 (household)

  • Roadside assistance includes access to services such as towing, battery boosting, gas delivery and much more.7

Credit Card

CIBC Dividend Platinum® Visa* Card


Join and earn over $350 in value including an annual fee rebate!◊◊

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 rate3:

(effective the first day of your 2025 August statement period: )

Cash interest rate3, 4:

non-Quebec residents

Quebec residents

Minimum annual income: $15,000 (household)

  • 3% cash back on eligible gas, electric vehicle charging and groceries5
  • 2% cash back on eligible transportation, dining and recurring payments5
  • Save on gas at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations when you link your card with Journie Rewards

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

Frequently asked questions