Special offer: Get $60 when you open a CIBC Smart for Students account.Learn moreabout the student banking offer..

2% cash back on grocery store purchases

Get up to 1% cash back on everything else1

Earn maximum rewards

No limit on the total cash back you can earn1

Extra protection on new purchases

Double the manufacturer's original warranty up to one year on most of your purchases3


No annual fee
$0
Each additional card (up to 3): $0

Interest rate
RDSRDS%rate[2].VSDIV.rate(null,null,6,null)(#R#)% for purchases4
RDSRDS%rate[2].VSDIV.rate(null,null,3,null)(#R#)% for cash4

No minimum income requirement
$0

Minimum credit limit
$1,000

SPC logo.

Get a free SPC membership with this credit card

Your free SPC membership provides exclusive access to SPC+. Get better discounts, special experiences and more. Save instantly when you shop over 450 deals in-store and online. Pay no membership fee as a CIBC client with an eligible student product.

Learn moreabout this offer.

Rewards everyday spending with cash back1

2% cash back

on your first $6,000 in net annual grocery purchases1

0.5% cash back

on your first $6,000 in all other annual purchases1

1% cash back

on all other annual purchases over $6,0001

Calculate your cash back5 potential

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

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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 card3

$100,000 Common Carrier Accident Insurance
Purchase Security and Extended Protection Insurance

Optional insurance for your card

CIBC Emergency Travel Medical Insurance 6
Shield with credit card
CIBC Payment Protector™
 Insurance for Credit Cards7

Get more out of student life


Student Life Network Full Ride Contest

You could win $35,000◊◊ for tuition

How to enter:

Step 1

Get a new CIBC student bank account, credit card or line of credit

You have until December 31, 2020.

Graduation cap, credit card, and debit card

Step 2

Join Student Life NetworkOpens a new window in your browser

Already a member? Just remember to open your new CIBC bank account, credit card, or line of credit before December 31, 2020 to enter the contest.

Student Life Network logo

You’ll be automatically entered for a chance to win $35,000. On January 8, 2021, a winner will be picked from active SLN membersOpens a new window in your browser.

No purchase necessary. Review the full Contest Rules (PDF, 60 KB) Opens a new window in your browser..