CIBC Dividend Visa Card for Students.

Digital exclusive offer

Join and earn up to $125 cash backⓘ

 

Show more offer details
Apply now
   for the CIBC Dividend Card for Students.

No minimum income requirement

Canadian students can get a credit limit of up to $5,000ⓘ 

International students can get a credit limit of up to $2,000ⓘ 

Digital exclusive offer

Enjoy extra cash and all your banking essentials with the CIBC Best Student Life Bundle

Fees and interest rates

Annual fee

$0

$0 for up to 3 additional cards

Purchase interest rateⓘ

RDS%rate[2].VSDIV.Published(null,null,6,null)(#O2#)% (effective the first day of your 2025 August statement period: 21.99%)

Cash interest rateⓘ, ⓘ

RDS%rate[2].VSDIV.Published(null,null,3,null)(#O2#)%
non-Quebec residents
RDS%rate[2].VSDIV.Published(null,null,90,null)(#O2#)%
Quebec residents

Earn more cash backⓘ 

2%

Groceries

1%

Gas

Electric Vehicle Charging

Transportation

Dining

Recurring Payments

0.5%

Everything Else

Earn maximum rewards

No limit on the total cash back you can earn.3

Award-winning cash back

Milesopedia Best Credit Card for Students 2025 logo.
Milesopedia Best Credit Card for Students 2024 logo.
Milesopedia Best Credit Card for Students 2023 logo.
Milesopedia Best Visa Cash Back Card for Students 2022 logo.

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
   for the CIBC Dividend Card for Students.

No minimum income requirement

Canadian students can get a credit limit of up to $5,000ⓘ 

International students can get a credit limit of up to $2,000ⓘ 

More to love about this card

Send money abroad

Send money abroad to over 120 countries with a $0 transfer fee. Cash advance fees don’t apply and there’s no interest if 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 savings on takeout and more with Skip+

Link your CIBC credit or debit card with your Skip account to get your 12-month Skip+ free trial.ⓘ  Enjoy $0 delivery fees on eligible orders, save with special offers and access exclusive benefits and VIP experiences from the brands you love.ⓘ

Learn more about our partnership with Skip.

Take advantage of even more student benefits with a free SPC+ membershipⓘ

Level up your savings with up to 30% off 450+ brands you love. Unlock VIP contests, next-level giveaways, and exclusive perks that make everyday life anything but basic. With SPC+, the best deals aren’t just deals — they’re a lifestyle.

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ⓘ, ⓘ 

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

Protecting your card

Visa’s Zero Liability Policy

Fraud alerts

Digital Disputes Platform

Valuable insurance included with your card

 

Insurance certificates for the Dividend Visa Card for Students (PDF, 360 KB) Opens in a new window.

To view the Statutory Conditions that apply to certain insurance coverages, please visit https://cibc.client.insure Opens a new window..

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

Optional insurance for your card

 CIBC Payment Protector™ Insurance for Credit Cards

Security features included with your card

 Manage your card online

 Spend alerts

 Fraud alerts

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Documents

   Benefits Guide (PDF, 400 KB) Opens in a new window.

Cardholder Agreement (PDF, 140 KB) Opens in a new window.

CIBC Credit Card Summary of Annual Interest Rates and Fees (PDF, 110 KB) Opens in a new window.

Credit Card Privacy Disclosures, Terms and Conditions (PDF, 125 KB) Opens in a new window.

Information on upcoming changes to your CIBC Credit Card Account Effective August 2025 (PDF, 65 KB) Opens a new window.

On Demand Redemption Terms and Conditions (PDF, 135 KB) Opens in a new window.

Insurance provider notice (PDF, 40 KB) Opens a new window.

CIBC Pace It™

CIBC Dividend Visa Card for Students.

CIBC DIVIDEND VISA CARD FOR STUDENTS

Ready to earn as you shop?

Apply now   for the CIBC Dividend Card for Students.

Get started

Call us:  1-800-385-2582 Opens your phone app.
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