CIBC Dividend® Visa* Card for Students

Get the student card that puts cash back in your pocket when you spend on groceries, transportation and other daily essentials.

Welcome Offer

Get $30 cash back after you make your first purchase within the first 4 months!^ⓘ

Apply now

No minimum income requirement

$1,000 minimum credit limit

Fees and interest rates

Annual fee

$0 for up to 3 additional cards

Purchase interest rate^ⓘ

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Cash interest rate^ⓘ^, ^ⓘ

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non-Quebec residents

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Quebec residents

Earn more cash back^ⓘ

cash back on groceries.^ⓘ

Groceries

cash back on gas, transportation, dining and recurring payments.^ⓘ

Want to save even more on gas? Get up to 10 cents off per litre at participating gas stations with Journie Rewards.

Gas

Transportation

Dining

Recurring Payments

0.5%

cash back on everything else.^ⓘ

Everything Else

Earn maximum rewards

No limit on the total cash back you can earn.^ⓘ

Your top cash back card benefits

Redeem when you want

Get your cash back anytime through CIBC Online Banking® and the CIBC Mobile Banking® App.^ⓘ

Access valuable insurance coverage

When you charge eligible purchases to your card, you can enjoy Purchase Security Insurance. Plus, with Extended Warranty Insurance, extend the period of the original manufacturer’s warranty up to one additional year on most purchases charged to your card.^ⓘ

Fuel up for less

Save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations when you link your card with Journie Rewards.

Apply now

No minimum income requirement

$1,000 minimum credit limit

More to love about this card

Send money abroad

There are no transaction fees and you won’t be charged interest, as long as you pay your balance by the payment due date.^ⓘ, ^ⓘ

Save on everyday purchases

Get 2% cash back on eligible grocery purchases and up to 1% on everyday purchases like books, movies, food delivery and more.^ⓘ

Get a free SPC+ membership^ⓘwith this credit card

Save up to 30% on over 450 top brands when you shop online or in-store. Plus, get exclusive access to special experiences, cash prizes, giveaways and more – all for free, only with CIBC!

Learn more about student deals and discounts with SPC and CIBC.

Get more out of student life

Visit our student banking hub to learn about day-to-day banking, credit cards and lines of credit. Plus, tools and advice that's catered to you.

Discover student banking

Calculate your cash back potential^ⓘ, ^ⓘ

Use the sliders to estimate your monthly credit card spending.^ⓘ

This tool is currently unavailable. Please see Overview and Advice.

Learn how to get more from your cash back card

Protecting your card

Visa’s Zero Liability Policy

Should someone steal your card, your card number, or other card details, you will not be held responsible for fraudulent purchases processed through the Visa network as long as you meet your obligations and use care to protect your card and PIN.

CIBC is committed to upholding the Visa Zero Liability policy, which sets the standard for what you can expect when you do business with us. To learn more, visit Visa Purchase Protection Opens in a new window..

Fraud alerts

We monitor fraud trends and typical debit and credit card activity. When we detect various factors that indicate a transaction may be fraudulent, we’ll notify you by text, email or phone to authenticate the transaction. To learn more, visit Fraud alerts.

Valuable insurance included with your card^ⓘ

$100,000 Common Carrier Accident Insurance

Purchase Security and Extended Protection Insurance

Review Insurance Certificate

Optional insurance for your card

CIBC Payment Protector™ Insurance for Credit Cards

Help keep your finances on track by reducing the burden of your credit card payments if you’re unable to work due to disability, job loss, critical illness or in the event you pass away.^ⓘ

Protect your balance

Security features included with your card

Manage your card online

Activate a new or replacement card, lock a missing card, or report a lost or stolen card with just one click through the CIBC Mobile Banking App and CIBC Online Banking.

Spend alerts

Set up alerts through the CIBC Mobile Banking App and CIBC Online Banking. Get notified by phone, email or online message when you've exceeded your customized budget or are nearing your credit limit.^ⓘ

Fraud alerts

Set up alerts and get notified as soon as possible about potential unauthorized use of your credit card through alerts by email or online message.

Credit report alerts

Stay up to date on key changes to your personal credit report so you're aware of any unusual activity.^ⓘ You can also schedule other alerts and reminders so that you are notified when your payment is due, when your eStatement is ready and much more.

Review full Benefits Guide and Cardholder Agreement Opens in a new window.

For Quebec residents: Product Summaries and Fact Sheets (PDF, 1 MB) Opens in a new window.

CIBC Pace It™

Some purchases can’t wait. CIBC Pace It helps 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 more about CIBC Pace It Installment Plans.