Welcome Offer  

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

No minimum income requirement

$1,000 minimum credit limit

Fees and interest rates

Annual fee

$0

$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 

2%

Groceries

1%

Gas

Transportation

Dining

Recurring Payments

0.5%

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.

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,  

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

Protecting your card

Visa’s Zero Liability Policy

Fraud alerts

Valuable insurance included with your card 

 

 


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

 Credit report alerts

CIBC Pace It™

CIBC Dividend Visa Card for Students

Ready to earn as you shop?

Not the right card for you?