Everyday banking and credit for your early years.
Bank account
CIBC Smart™ Account for Apprentices
Pay no monthly fee for 24 monthsⓘ.
Take advantage of perks for eligible skilled trades apprentices.
- Unlimited transactionsⓘ, ⓘ
- Partner perks and discounts
- Three account tiers with features and benefits that unlock automatically as your eligible balances grow
$0 monthly fee for 24 monthsⓘ
Credit card
CIBC Dividend Platinum® Visa* Card
Join and earn up to $350 in value including an annual fee rebate!ⓘ
Get 3% cash back on eligible gas, electric vehicle charging and groceries and 2% cash back on eligible transportation, dining and recurring paymentsⓘ, and eligible travel purchases made through CIBC by Expediaⓘ.
Annual fee: $99, first year rebatedⓘ
Purchase interest rateⓘ: RDS%rate[2].VPDIV.Published(null,null,6,null)(#O2#)%
Cash interest rateⓘ, ⓘ: RDS%rate[2].VPDIV.Published(null,null,3,null)(#O2#)% non-Quebec residents,
RDS%rate[2].VPDIV.Published(null,null,90,null)(#O2#)% Quebec residents
Minimum annual income: $15,000 (household)
Credit card
CIBC Adapta™ Mastercard®
Join and earn up to $150 in valueⓘ including free roadside assistanceⓘ.
Get the card that automatically rewards you with bonus pointsⓘ in your top 3 spend categories, with no annual fee.
Annual fee: $0
Purchase interest rateⓘ:RDS%rate[2].MPADT.Published(null,null,6,null)(#O2#)%
Cash interest rateⓘ, ⓘ: RDS%rate[2].MPADT.Published(null,null,3,null)(#O2#)% non-Quebec residents,
RDS%rate[2].MPADT.Published(null,null,90,null)(#O2#)% Quebec residents
Minimum annual income: $15,000 (household)
Scholarship opportunities to kick-start your career
Southern Alberta Institute of Technology
Deadline: May 30th (Annually)
Get started with practical banking guidance
Take charge of your finances with our helpful banking guide
Learn to budget as you earn
Apprentices earn while they learn. Planning around changing income can help you stay on track and avoid surprises.
Prepare for the real costs of the trades
Tools, equipment and transportation are part of the job. Planning ahead for these expenses can make them easier to manage.
Build strong money habits early
Small habits now can make managing your finances easier as your apprenticeship progresses.
Practical advice to help you get started
Tools and resources
Car loan calculator
Calculate how much you can borrow and compare financing options.
Loan and line of credit calculator
Learn how much you may qualify to borrow and how to budget for a loan or line of credit.
Deductions and credits
The Government of Canada offers a range of tax credits and incentives tradespeople can benefit from.
