If you’re looking to build your credit history, a no annual fee credit card could be right for you. Pay no annual fee and still enjoy the ability to shop and collect rewards.

Apply online, book a meeting, Opens a new window in your browser. or call 1-866-525-8622
To use the Credit Card Finder tool, tab through the filter options and select the client segment, card benefits, card type and reward partner. Results will be generated based on your selections. If you want to compare certain cards from your results, select the Compare Cards checkbox for each card. Once you have selected two cards, a Compare Tool panel will display with your selected cards and a Compare button. Jump to compare once you’ve made all your selections. You can select up to four cards to compare at a time. The Compare button will take you to a new page with a full list of details.

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Other CIBC credit cards

Looking for a different credit card? Learn about our other CIBC credit card products

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7 credit card results

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CIBC Aventura Visa Card

CIBC Aventura® Visa* Card

WELCOME OFFER

Join and get up to $100 in value for no annual fee†.

Annual fee
$0
Minimum annual income
$15,000 household
Interest rate
RDS%rate[2].VSAVC.Published(null,null,6,null)(#R#)% for purchases3
RDS%rate[2].VSAVC.Published(null,null,3,null)(#R#)% for cash (or RDS%rate[2].VSAVC.Published(null,null,90,null)(#O2#)% for Quebec residents)3
Valuable insurance included with your card
  • Auto Rental Collision and Loss Damage Insurance
  • Common Carrier Accident Insurance
  • Purchase Security and Extended Protection Insurance
  • Optional CIBC Payment Protector for Credit Cards
Apply now
Terms and conditions
Terms and conditions
Apply now
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CIBC Aeroplan® Visa* Card

Welcome offer

Earn 10,000 Aeroplan® points on your first purchase.†

Annual fee
$0
Minimum annual income
$15,000 household
Interest rate
RDS%rate[2].VPARO.Published(null,null,6,null)(#O2#)% for purchases4
RDS%rate[2].VPARO.Published(null,null,3,null)(#O2#)% for cash (or RDS%rate[2].VSARO.Published(null,null,90,null)(#O2#)% for Quebec residents)4
Valuable insurance included with your card
  • Auto Rental Collision and Loss Damage Insurance
  • Common Carrier Accident Insurance
  • Purchase Security and Extended Protection Insurance
Apply now
Terms and conditions
Terms and conditions
Apply now
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CIBC Aventura Visa Card for Students

CIBC Aventura® Visa* Card for Students

WELCOME OFFER

 Earn up to 2,500 bonus Aventura Points.† Enjoy movies, music, shopping, food, travel and more.

Annual fee
$0
 
Minimum annual income
$0
Interest rate
RDS%rate[2].VSAVC.Published(null,null,6,null)(#R#)% for purchases5
RDS%rate[2].VSAVC.Published(null,null,3,null)(#R#)% for cash (or RDS%rate[2].VSAVC.Published(null,null,90,null)(#O2#)% for Quebec residents)5
Valuable insurance included with your card
  • Auto Rental Collision and Loss Damage Insurance
  • Common Carrier Accident Insurance
  • Purchase Security and Extended Protection Insurance
  • Optional CIBC Payment Protector for Credit Cards
Apply now
Terms and conditions
Terms and conditions
Apply now
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CIBC Aeroplan® Visa* Card for Students

Welcome offer

Earn 10,000 Aeroplan® points on your first purchase.†

Annual fee
$0
Minimum annual income
$0
Interest rate
RDS%rate[2].VPARO.Published(null,null,6,null)(#O2#)% for purchases4
RDS%rate[2].VPARO.Published(null,null,3,null)(#O2#)% for cash (or RDS%rate[2].VSARO.Published(null,null,90,null)(#O2#)% for Quebec residents)4
Valuable insurance included with your card
  • Auto Rental Collision and Loss Damage Insurance
  • Common Carrier Accident Insurance
  • Purchase Security and Extended Protection Insurance
Apply now
Terms and conditions
Terms and conditions
Apply now
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CIBC Dividend Visa Card

CIBC Dividend® Visa* Card

Get the reliable, everyday use card that earns you cash back on daily essentials for no annual fee.
Annual fee
$0
Minimum annual income
$15,000 household
Interest rate
RDS%rate[2].VSDIV.Published(null,null,6,null)(#O2#)% for purchases4
RDS%rate[2].VSDIV.Published(null,null,3,null)(#O2#)% for cash (or RDS%rate[2].VSDIV.Published(null,null,90,null)(#O2#)% for Quebec residents)4, 5
Valuable insurance included with your card
  • Common Carrier Accident Insurance
  • Purchase Security and Extended Protection Insurance
Apply now
Terms and conditions
Terms and conditions
Apply now
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CIBC Dividend Visa Card for Students

CIBC Dividend® Visa* Card for Students

welcome OFFER

Get $30 cash back after you make your first purchase.†

Annual fee
$0
Minimum annual income
$0
Interest rate
RDS%rate[2].VSDIV.Published(null,null,6,null)(#O2#)% for purchases4
RDS%rate[2].VSDIV.Published(null,null,3,null)(#O2#)% for cash (or RDS%rate[2].VSDIV.Published(null,null,90,null)(#O2#)%for Quebec residents)4, 5
Valuable insurance included with your card
Apply now
Terms and conditions
Terms and conditions
Apply now
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CIBC bizline Visa Card for Business

CIBC bizline® Visa* Card for Business

Grow your business with affordable credit with interest rates as low as CIBC Prime + 1.5%!1
Annual fee
$0
Each additional card (up to 9): $0
Minimum annual income
$35,000 individual
Interest rate
As low as CIBC Prime + RDS%rate[2].VBBIZ.Published(null,null,22,null)(#R#)% for purchases1
As low as CIBC Prime + RDS%rate[2].VBBIZ.Published(null,null,22,null)(#R#)% for cash1
Valuable insurance included with your card
  • Common Carrier Accident Insurance
Apply now
Terms and conditions
Terms and conditions
Apply now
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The benefits of CIBC no annual fee cards

Save money

If you want to save on fees, a no annual fee card is the way to go. Plus, you can still take advantage of many great benefits even if you don’t pay an annual fee.

Build your credit

Start building your credit with a simple credit card. Get familiar with your spending and how to use a credit card before you move up to an annual fee card.

Use as a second card

If you already have a card with an annual fee, you can apply for a no fee card and keep it as a backup. Use your no fee card for specific purchases or to take advantage of a different reward type.

Find the right no annual fee credit card

Review different card types

If you enjoy traveling, a no annual fee travel rewards card may be a great fit. Or, if you prefer getting a percentage of your spending back on your credit card bill, go with a no annual fee cash back card. 

Compare card features

Think about the card features that are most important to you. Consider things like annual fees, interest rates, credit limits and welcome offers.

Apply for the right credit card

Once you’ve found the best credit card for you, start the application process. You can apply for a credit card online, over the phone or in person. 

Get started

Apply online for a C I B C credit card
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1-800-385-2582
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Your CIBC no annual fee credit card questions answered