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Find the best CIBC no fee credit card for you

If you are looking to build your credit history, these could be the cards for you. Pay no annual fee while still enjoying the ability to shop and collect rewards.

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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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Client Segment

Personal (3)
Business (1)
Student (3)

Card Benefit

All offers
Welcome bonus (4)
Concierge service (1)
Travel coverage
Purchase protection (6)
Auto rental insurance (4)

Card type

Travel (4)
Cash back (2)
No annual fee (7)
Low interest (1)
U.S. dollar spending

Reward Partner

Aventura® (2)
Aeroplan® (2)

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**

WELCOME OFFER

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

Annual fee

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 cash³

(21.99% for Quebec residents effective the first day of the 2021 April statement period)

Valuable insurance included with your card

Apply now

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Terms and conditions

Key features

Earn up to 10,000 Aventura Points^†

Get 7,500 bonus Aventura Points when you make your first purchase. Plus, earn up to 2,500 Aventura Points.

Extra protection on new purchases¹

90-day protection with Purchase Security Insurance¹ if your new purchase is stolen or breaks

Aventura Travel Assistant⁴

Access personalized travel booking and trip planning with no booking fees

More to love about this card

Truly flexible travel

Fly any airline with points that don’t expire⁴

Use points for more

Use Aventura Points to cover full airfare including taxes and fees⁹

Flights and beyond

Visit the CIBC Rewards Centre to redeem your points for hotel stays, vacation packages, cruises, merchandise, gift cards and one-of-a-kind activities

Terms and conditions

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**CIBC Aeroplan® Visa* Card**

Welcome offer

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

Annual fee

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 cash⁴

(21.99% for Quebec residents effective the first day of the 2021 April statement period)

Valuable insurance included with your card

Apply now

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Terms and conditions

Key features

Earn 10,000 Aeroplan points on your first purchase^†

That's enough for a one-way economy class short-haul ticket in North America (for example, Toronto to New York).

Book flight rewards for less

Primary cardholders can often book flight rewards for even fewer points.¹ Plus, no additional airline surcharges on flight rewards with Air Canada.²

Travel with peace of mind

Get insurance coverage for car rental collision and damage, plus extra protection for new purchases.³

More to love about this card

Earn rewards faster

With Aeroplan Family Sharing, combine points with other Aeroplan members in your household to redeem your next flight reward sooner.²

Redeem with ease

Every seat available for purchase is also available for Aeroplan points — no restrictions.⁹ Plus, pay for flight rewards with a combination of points and cash.¹⁰

Use your points when you're ready

Aeroplan points won't expire as long as you, the primary cardholder, continue to hold your CIBC Aeroplan credit card.¹¹

Terms and conditions

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**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

Minimum annual income

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 cash⁵

(21.99% for Quebec residents effective the first day of the 2021 April statement period)

Valuable insurance included with your card

Apply now

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Terms and conditions

Key features

Aventura Travel Assistant³

Access personalized travel booking and trip planning with no booking fees

Extra protection on new purchases

90-day protection with Purchase Security Insurance⁴ if your new purchase is stolen or breaks

More to love about this card

Truly flexible travel

Fly any airline, with no blackout periods and points that don’t expire¹¹

Use points for more

Redeem Aventura Points to cover full airfare including taxes and fees¹⁰

Flights and beyond

Visit the CIBC Rewards Centre to redeem your points for hotel stays, vacation packages, cruises, merchandise, gift cards and one-of-a-kind activities

Terms and conditions

Compare cards

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

Minimum annual income

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 cash⁴

(21.99% for Quebec residents effective the first day of the 2021 April statement period)

Valuable insurance included with your card

Apply now

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Terms and conditions

Key features

Earn 10,000 Aeroplan points on your first purchase^†

That's enough for a one-way economy class short-haul ticket in North America (for example, Toronto to New York).

Book flight rewards for less

Primary cardholders can often book flight rewards for even fewer points.¹ Plus, no additional airline surcharges on flight rewards with Air Canada.²

Travel with peace of mind

Get insurance coverage for car rental collision and damage, plus extra protection for new purchases.³

More to love about this card

Earn rewards faster

With Aeroplan Family Sharing, combine points with other Aeroplan members in your household to redeem your next flight reward sooner.²

Redeem with ease

Every seat available for purchase is also available for Aeroplan points — no restrictions.⁹ Plus, pay for flight rewards with a combination of points and cash.¹⁰

Use your points when you're ready

Aeroplan points won't expire as long as you, the primary cardholder, continue to hold your CIBC Aeroplan credit card.¹¹

Terms and conditions

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**CIBC Dividend^® Visa* Card**

Earn 2% cash back¹ at eligible grocery stores²

Annual fee

Minimum annual income

$15,000 household

Interest rate

RDS%rate[2].VSDIV.Published(null,null,6,null)(#R#)% for purchases⁴

RDS%rate[2].VSDIV.Published(null,null,3,null)(#R#)% for cash^4,5

(21.99% for Quebec residents effective the first day of the 2021 April statement period)

Valuable insurance included with your card

Apply now

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Terms and conditions

Key features

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

Terms and conditions

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**CIBC Dividend^® Visa* Card for Students**

welcome OFFER

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

Annual fee

Minimum annual income

Interest rate

RDS%rate[2].VSDIV.Published(null,null,6,null)(#R#)% for purchases⁴

RDS%rate[2].VSDIV.Published(null,null,3,null)(#R#)% for cash⁴

(21.99% for Quebec residents effective the first day of the 2021 April statement period)

Valuable insurance included with your card

Apply now

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Terms and conditions

Key features

2% cash back on grocery store purchases

Get up to 1% cash back on everything else¹.
Start your account with a minimum credit limit of $1,000.

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

Terms and conditions

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**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

Apply now

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Terms and conditions

Key features

Easy access to a high credit limit — up to $50,000¹

Get the flexibility to make your business next-level competitive

Competitive purchase and cash rates

Interest as low as 1.5% above CIBC Prime¹

Add up to 9 cardholders

Consolidate employee spending under one account

More to love about this card

Pay how you want

Easy and convenient access to cash and credit²

Ideal for small to medium-sized businesses

Ideal for businesses with annual revenues between $35,000 and $5 million³

Manage your account

Benefit from CIBC CreditSmart^®to help you manage, track and organize your credit card activity

Terms and conditions

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Get started

Apply online for a C I B C credit card

Meet with us Opens a new tab in your browser

Call us:
1-800-385-2582

Find a Banking Centre Opens a new tab in your browser

Find the best CIBC no fee credit card for you

Filter options

7 credit card results

CIBC Aventura® Visa* Card

CIBC Aeroplan® Visa* Card

CIBC Aventura® Visa* Card for Students

CIBC Aeroplan® Visa* Card for Students

CIBC Dividend® Visa* Card

CIBC Dividend® Visa* Card for Students

CIBC bizline® Visa* Card for Business

Get started

**CIBC Aventura^® Visa* Card**

**CIBC Aeroplan® Visa* Card**

**CIBC Aventura^® Visa* Card for Students**

**CIBC Aeroplan® Visa* Card for Students**

**CIBC Dividend^® Visa* Card**

**CIBC Dividend^® Visa* Card for Students**

**CIBC bizline^® Visa* Card for Business**