Everyday banking and credit that fits how you work
Bank account
CIBC Smart® Account
Bundle to earn up to $850ⓘ, ⓘ. Conditions apply.
Banking that rewards every stage of life.
- Three account tiers with features and benefits that unlock automatically as your eligible balances grow
- Opportunities for annual fee rebates on an activeⓘ eligibleⓘ credit card
- Unlimited transactionsⓘ, including Interac e-Transfer® transactionsⓘ
Monthly fee for up to 3 accountsⓘ, ⓘ: $16.95 or $0, monthly fee rebated with an end-of-day account balance of $4,000 each day for that month in one CIBC Smart Account
Credit card
CIBC Dividend® Visa Infinite* Card
Join and earn up to $400 in value including an annual fee rebate!ⓘ
- Annual fee: $120, first year rebatedⓘ
- Purchase interest rateⓘ: RDS%rate[2].VWDIV.Published(null,null,6,null)(#O2#)%
- Cash interest rateⓘ, ⓘ: RDS%rate[2].VWDIV.Published(null,null,3,null)(#O2#)% non-Quebec residents, RDS%rate[2].VWDIV.Published(null,null,90,null)(#O2#)% Quebec residents
Minimum annual income: $100,000 (household)
Plan ahead for what comes next
Build your wealth, one step at a time
You don’t need a complex strategy to get started. Setting clear goals and using registered accounts like a TFSA or RRSP can help your money grow as your income increases.
Turn today’s earnings into long-term stability
As your income grows, planning ahead becomes more important. Estimating future expenses and retirement needs can help you understand what you may need later and adjust your approach early.
Stay focused through market changes
Income in the trades can vary, and markets will change over time. A steady approach can help you stay on track and keep your longer-term goals in view.
Plan for all your work essentials
Your tools, vehicle(s) and equipment support your ability to earn. Understanding what fits your budget before making a purchase can help you manage costs and avoid unnecessary financial pressure.
Starting or running a trades business?
Advice to help you plan for what comes next
Tools and resources
RRSP Calculator
How much could an RRSP (registered retirement savings plan) be worth in your future?
Business loan calculator
Enter your desired loan amount and interest rate, and customize your repayment preferences to get a personalized breakdown.
Deductions and credits
The Government of Canada offers a range of tax credits and incentives tradespeople can benefit from.
