Classic Visa Card | Credit Cards | CIBC

Accessibility Quick Links

Skip to Online Banking
Skip to Content
Skip to Navigation

CIBC Classic Visa Card

SPECIAL OFFER

Get insurance coverage for no annual fee

Apply now

Apply online, book a meeting, or call 1-866-525-8622

$0

No annual fee

Extra protection on new purchases¹

90-day protection with purchase security insurance if your new purchase is stolen or breaks

Passenger protection¹

Get accident coverage with Common Carrier Accident Insurance

Minimum annual income
$15,000 household

Interest rate

RDS%rate[2].VSREG.Published(null,null,6,null)(#R#)% for purchases²

RDS%rate[2].VSREG.Published(null,null,3,null)(#R#)% for cash²

(21.99% for Quebec residents effective the first day of the 2021 April statement period)

Each additional card (up to 3)
$0

More to love about this card

gas pump pumping out coins into a glass jar.

Send money abroad

There are no transaction fees when you send a CIBC Global Money Transfer™^{, 6}. Also, you won’t be charged interest, as long as you pay your balance by the payment due date.⁷

Couple sitting on the floor looking at paint samples

CIBC Pace It™

Some purchases can't wait. CIBC Pace It helps you manage your finances with Installment Plans on your credit card at lower interest rates. Start paying for the big things that matter at a pace you choose.^†

Learn moreabout CIBC Pace It.

Valuable insurance included with your card¹

$100,000 Common Carrier Accident Insurance

Purchase Security and Extended Protection Insurance

Optional insurance for your card

CIBC Emergency Travel Medical Insurance ³

Shield with credit card

CIBC Payment Protector™ Insurance for Credit Cards⁴

Protect your balance

Read full Benefits Guide, Cardholder Agreement and Insurance Certificates

CIBC Classic Visa Card

Ready to shop with confidence?

Applying takes about 5 minutes, and you’ll get a response in as little as 60 seconds⁵.

Apply now

CIBC Classic Visa Card

Get started

Call us: 1-866-525-8622

Find a Banking Centre

Not the right card for you?

Here's another that could suit you better.

CIBC Aventura Visa Card

CIBC Aventura^®Visa* Card

Explore all No Annual Fee cards

Questions?

Top credit card questions Opens in a pop up window

^† CIBC Pace It™ Installment Plans allow primary cardholders to convert posted eligible Card Transaction(s) to monthly installment payments (including interest) over a fixed period of time. When you create an Installment Plan you will have the ability to choose the payment term (in months) with a corresponding annual interest rate. A One Time Installment Fee of 1.50% of the purchase amount applies. Once you accept the Installment Plan Terms and Conditions and create the Installment Plan through CIBC Online or Mobile Banking, you can cancel it at any time but you cannot change it. CIBC Pace It™ Installment Plans are only available: (a) on Accounts in good standing; (b) for certain eligible Card types and eligible Transactions; and (c) to non-Quebec residents.

¹Insurance 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, go to Agreements and Insurance and review 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 the insurer toll-free at 1-866-363-3338 in Canada, the continental U.S. and Hawaii or collect from elsewhere at 905-403-3338. You can also visit cibccentre.rsagroup.caOpens a new window in your browser..

² Interest rates will change from time to time on at least 30 days prior notice to the primary cardholder. "Purchase" means card purchases less returns and does not include: cash advances, interest, fees, balance transfers, payments and CIBC Convenience Cheques. "Cash" means cash advances, balance transfer and CIBC Convenience Cheques.

³CIBC Emergency Travel Medical Insurance is underwritten by Co-operators Life Insurance Company. This product is administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. For more information call CIBC Travel Insurance at 1-800-281-9109.

⁴CIBC Payment Protector Insurance for Credit Cards is optional creditor’s group insurance underwritten by Canadian Premier Life Insurance Company under a group policy issued to CIBC as group policyholder.

⁵ We may withdraw approval if we become aware of any unfavourable information regarding your financial position or account status, or if you are unable to provide any additional information reasonably requested by CIBC. The application response time may take longer than 60 seconds in the event of technology issues. If you supply your email address, an application status email will be sent as soon as the technology issues are resolved. Otherwise, you will receive a response to your credit card application within 7 to 10 business days.

All information is valid at the time of publication and is subject to change without notice.

⁶ CIBC foreign exchange rates apply. Only primary cardholders can use their eligible credit card account to pay for the CIBC Global Money Transfer™ service.

⁷CIBC does not charge interest on a CIBC Global Money Transfer appearing on your statement if we receive full payment of the Amount Due (or for a CIBC Global Money Transfer that has been converted to an Installment Plan during that statement period, if we receive payment in full of the Balance) by the payment due date for that statement. Capitalized terms in this footnote have the meanings set out in the CIBC Cardholder Agreement.