No annual fee cards

Pay no annual fee and still enjoy the ability to shop and collect rewards.

Travel
Cash back
Costco
Rewards
No annual fee
Low interest
Student
Business

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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.

Card use

Personal (11)
Business (2)
Student (5)
U.S. dollar spending

Card benefits

Travel privileges (2)
Travel points (4)
Cash back (4)
Adapta points (2)
No annual fee (13)
Low interest (1)

Reward partner

Aventura® (2)
Aeroplan® (2)
Costco® (2)

Annual spending*

Less than $10,000 (11)
$10,000 to $20,000 (3)
More than $20,000 (3)

*We recommend the best cards based on your average annual spending.

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13 credit card results

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**CIBC Aventura^® Visa* Card** about the CIBC Aventura Visa Card.

about the CIBC Aventura Visa Card.

Earn up to 12,500 Aventura Points^† for no annual fee.

Experience more of the world with our most flexible travel rewards program.¹

1 point per $1 on travel booked through the CIBC Rewards Centre⁴
1 point per $1 on eligible gas, electric vehicle charging, grocery and drugstore purchases³
Book travel with personalized assistance⁶

Annual fee

Purchase interest rate²

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

Cash interest rate²

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

RDS%rate[2].VSAVC.Published(null,null,90,null)(#O2#)%

Quebec residents

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Learn more about the CIBC Aventura Visa Card. Apply now for the CIBC Aventura Visa Card.

Terms and conditions Skip to terms and conditions for the CIBC Aventura Visa Card.

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**CIBC Aeroplan^® Visa* Card** about the CIBC Aeroplan Visa Card.

about the CIBC Aeroplan Visa Card.

Apply and earn up to $200 in value, which includes up to 10,000 Aeroplan points!^†Conditions apply.

The no annual fee travel card that turns your everyday purchases into a dream vacation.

1 point per $1 directly with Air Canada^® and Air Canada Vacations^{®, 2}
1 point per $1 on eligible gas, electric vehicle charging and groceries²
Preferred pricing⁴ | Earn points twice at over 170 retailers³

Annual fee

Purchase interest rate¹

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

Cash interest rate¹

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

RDS%rate[2].VSARO.Published(null,null,90,null)(#O2#)%

Quebec residents

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Learn more about the CIBC Aeroplan Visa Card. Apply now for the CIBC Aeroplan Visa Card.

Terms and conditions Skip to terms and conditions for the CIBC Aeroplan Visa Card.

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CIBC Adapta™ Mastercard® about the CIBC Adapta Mastercard.

about the CIBC Adapta Mastercard.

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

Get the card that automatically rewards you with bonus points¹ in your top 3 spend categories, with no annual fee.

1.5 Adapta points per $1 spent in your top 3 spend categories¹
1 Adapta point per $1 on all other purchases¹
Includes membership to roadside assistance³, with access to services such as towing, battery boosting, gas delivery and much more

Annual fee

Purchase interest rate⁵

RDS%rate[2].MPADT.Published(null,null,6,null)(#O2#)%

Cash interest rate⁵

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

RDS%rate[2].MPADT.Published(null,null,90,null)(#O2#)%
Quebec residents

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Learn more about the CIBC Adapta Mastercard. Apply now for the CIBC Adapta Mastercard.

Terms and conditions Skip to the terms and conditions for the CIBC Adapta Mastercard.

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**CIBC Dividend^® Visa* Card** about the CIBC Dividend Visa Card.

about the CIBC Dividend Visa Card.

Get up to 10 cents off per litre at participating gas stations with Journie Rewards.

Get the reliable, everyday use card that earns you cash back on daily essentials for no annual fee.

2% cash back on eligible groceries³
1% cash back on eligible gas, electric vehicle charging, transportation, dining and recurring payments³
Save on gas | Extended warranty⁵ | CIBC Pace It^TM Installment Plans^◊

Annual fee

Purchase interest rate¹

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^{1, 2}

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

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Learn more about the CIBC Dividend Visa Card. Apply now for the CIBC Dividend Visa Card.

Terms and conditions Skip to terms and conditions for the CIBC Dividend Visa Card.

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CIBC Costco Mastercard about the CIBC Costco Mastercard.

about the CIBC Costco Mastercard.

Earn up to 3% cash back everywhere Mastercard is accepted.

The CIBC Costco Mastercard is exclusively for Costco members.¹

3% cash back at restaurants and Costco gas²
2% cash back at other gas stations, electric vehicle charging stations and at Costco.ca²
CIBC Pace It™ Installment Plans: Special rates on eligible Costco purchases^‡

Annual fee

Purchase interest rate³

RDS%rate[2].MPCOS.Published(null,null,6,null)(#O2#)%
(effective the first day of your 2025 August statement period: 21.75%)

Cash interest rate^{3, 4}

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

RDS%rate[2].MPCOS.Published(null,null,90,null)(#O2#)%
(Quebec residents)

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Learn more about the CIBC Costco Mastercard. Apply now for a CIBC Costco Mastercard. Opens in a new window.

Terms and conditions Skip to the terms and conditions for the CIBC Costco Mastercard.

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CIBC Adapta™ Mastercard® for Students about the CIBC Adapta Mastercard for Students.

about the CIBC Adapta Mastercard for Students.

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

Start building your credit history and automatically earn bonus points¹ in your top 3 spend categories.

1.5 Adapta points per $1 spent in your top 3 spend categories¹
1 Adapta point per $1 on all other purchases¹
Includes membership to roadside assistance³, with access to services such as towing, battery boosting, gas delivery and much more.

Annual fee

Purchase interest rate⁵

RDS%rate[2].MPADT.Published(null,null,6,null)(#O2#)%

Cash interest rate⁵

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

RDS%rate[2].MPADT.Published(null,null,90,null)(#O2#)%
Quebec residents

Compare

Learn more about the CIBC Adapta Mastercard for Students. Apply now for the CIBC Adapta Mastercard for Students.

Terms and conditions Skip to the terms and conditions for the CIBC Adapta Mastercard for Students.

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**CIBC Dividend^® Visa* Card for Students** about the CIBC Dividend Visa Card for Students.

about the CIBC Dividend Visa Card for Students.

Join and earn up to $125 cash back^†

Student budgets go further with cash back on groceries, transportation and other daily essentials.

2% cash back on eligible groceries³
1% cash back on eligible gas, electric vehicle charging, transportation and recurring payments³
Free SPC+ membership^◇ | Extended warranty⁵ | Pay in installments^††

Annual fee

Purchase interest rate¹

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^{1, 2}

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

Compare

Learn more about the CIBC Dividend Visa Card for Students. Apply now for the CIBC Dividend Visa Card for Students.

Terms and conditions Skip to terms and conditions for the CIBC Dividend Visa Card for Students.

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**CIBC Aventura^® Visa* Card for Students** about the CIBC Aventura Visa Card for Students.

about the CIBC Aventura Visa Card for Students.

Earn up to 12,500 Aventura Points^† for no annual fee.

Experience more of the world with our most flexible travel rewards program.¹

1 point per $1 on travel booked through the CIBC Rewards Centre⁴
1 point per $1 on eligible gas, electric vehicle charging, grocery and drugstore purchases³
Free SPC+ membership^◇ | CIBC Pace It^TM Installment Plans^♢♢

Annual fee

Purchase interest rate²

RDS%rate[2].VSAVC.Published(null,null,6,null)(#O2#)%

(effective the first day of your 2025 August statement period: 21.99%)

Cash interest rate²

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

RDS%rate[2].VSAVC.Published(null,null,90,null)(#O2#)%
Quebec residents

Compare

Learn more about the CIBC Aventura Visa Card for Students. Apply now for the CIBC Aventura Visa Card for Students.

Terms and conditions Skip to terms and conditions for the CIBC Aventura Visa Card for Students.

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**CIBC Aeroplan^® Visa* Card for Students** about the CIBC Aeroplan Visa Card for Students.

about the CIBC Aeroplan Visa Card for Students.

Apply and earn up to $200 in value, which includes up to 10,000 Aeroplan points!^† Conditions apply.

A no annual fee travel card that turns your everyday purchases into a dream vacation.

1 point per $1 directly with Air Canada and Air Canada Vacations^{®, 2}
1 point per $1 on eligible gas, electric vehicle charging and groceries²
Preferred pricing⁴ | Earn points twice at over 170 retailers³

Annual fee

Purchase interest rate¹

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

Cash interest rate¹

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

RDS%rate[2].VSARO.Published(null,null,90,null)(#O2#)%

Quebec residents

Compare

Learn more about the CIBC Aeroplan Visa Card for Students. Apply now for the CIBC Aeroplan Visa Card for Students.

Terms and conditions Skip to terms and conditions for the CIBC Aeroplan Visa Card for Students.

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CIBC Costco Business Mastercard about the CIBC Costco Business Mastercard.

about the CIBC Costco Business Mastercard.

Join and earn a $100 Welcome Bonus^†!

The only business credit card exclusively for Costco members.¹

3% cash back at Costco gas and restaurants⁴
2% cash back at Costcobusinesscentre.ca, at Costco.ca, on shipping, on insurance services, at other gas stations and at electric vehicle charging stations⁴
CIBC Pace It™ Installment Plans: Special rates on eligible Costco purchases^‡

Annual fee

Purchase interest rate³

RDS%rate[2].MBCOS.Published(null,null,6,null)(#O2#)%

Cash interest rate³

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

Compare

Learn more about the CIBC Costco Business Mastercard. Apply now for a CIBC Costco Business Mastercard.

Terms and conditions Skip to the terms and conditions for the CIBC Costco Business Mastercard.

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**CIBC bizline^® Visa* Card** about the CIBC bizline Visa Card.

about the CIBC bizline Visa Card.

Interest as low as CIBC Prime plus 1.5%.^{1, 2}

Grow your business with affordable credit and low interest rates.

Access high credit limit — up to $50,000¹
Add up to 9 cardholders under one account
CIBC CreditSmart ® helps you track your credit card activity

Annual fee

Purchase interest rate^{1, 2}

As low as CIBC Prime plus RDS%rate[2].VBBIZ.Published(null,null,22,null)(#R#)%

Cash interest rate^{1, 2}

As low as CIBC Prime plus RDS%rate[2].VBBIZ.Published(null,null,22,null)(#R#)%

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Learn more about the CIBC bizline Visa Card. Apply now for the CIBC bizline Visa Card.

Terms and conditions Skip to terms and conditions for the CIBC bizline Visa Card.

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**CIBC Classic Visa* Card** about the CIBC Classic Visa Card.

about the CIBC Classic Visa Card.

Get 90-day protection on new purchases¹ and $100,000 Common Carrier Accident Insurance¹.

Get insurance coverage for no annual fee.

Send money abroad with $0 transfer fee with CIBC Global Money Transfer™.³
Pay off large purchases with CIBC Pace It™ low rate Installment Plans^‡
Save up to 10 cents per litre on gas with CIBC and Journie Rewards^†

Annual fee

Purchase interest rate²

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

Cash interest rate²

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

RDS%rate[2].VSREG.Published(null,null,90,null)(#O2#)%
Quebec residents

Compare

Learn more about the CIBC Classic Visa Card. Apply now for the CIBC Classic Visa Card.

Terms and conditions Skip to terms and conditions for the CIBC Classic Visa Card.

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CIBC Classic Visa* Card for Students about the CIBC Classic Visa Card for Students.

about the CIBC Classic Visa Card for Students.

90-day protection on new purchases and $100,000 Common Carrier Accident Insurance.¹

Send money abroad with $0 transfer fee with CIBC Global Money Transfer™^{, 3}

Free SPC+ membership^‡ | CIBC Pace It™ Installment Plans^††
Save up to 10 cents per litre on gas with CIBC and Journie Rewards^†

Annual fee

Purchase interest rate²

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

Cash interest rate²

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

RDS%rate[2].VSREG.Published(null,null,90,null)(#O2#)%
Quebec residents

Compare

Learn more about the CIBC Classic Visa Card for Students. Apply now for the CIBC Classic Visa Card for Students.

Terms and conditions Skip to terms and conditions for the CIBC Classic Visa Card for Students.

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The benefits of CIBC no annual fee cards

Enjoy the perks of using a credit card without paying an annual fee. Plus, you can still earn great rewards every time you use your card.

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

When you’re comparing credit cards, choose the card that gives you the most value for your lifestyle and spending habits.

Review different card types

If you enjoy traveling, a no annual fee travel rewards card may be a great fit. Or if you prefer to earn cash back on everyday purchases, 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 CIBC credit card.

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Your CIBC no annual fee credit card questions answered

What’s a no annual fee credit card?

A no annual fee credit card means you don’t have to pay an annual fee to use it. Many of our no fee cards come with lots of great benefits and perks — like collecting and redeeming reward points or getting cash back.

How do no annual fee credit cards work?

No annual fee credit cards work like any other credit card — you can use your card to cover expenses. If you’re looking for a simple card to help you build your credit, this may be a good option for you.

Use your credit card responsibly to help you maintain a good credit score. Don’t spend more than you can afford to pay off each month and always pay your bill on time.

Are there any additional fees associated with no annual fee credit cards?

You could be charged additional fees for things like cash advances, balance transfers and late payments. Plus, if you don’t pay off your full credit card balance by the due date, you’ll be charged interest.

Before you pick your no fee credit card, make sure you understand and agree with all the terms and conditions. Review details like additional rates, fees and potential penalties. Understanding the fine print can help you use your card responsibly and save money.

Can I access my CIBC no annual fee credit card information through CIBC Online Banking®?

Yes, you can access your CIBC no fee credit card information through CIBC Online Banking. You can also access your card details through the following services:

CIBC Mobile Banking; and
CIBC Telephone Banking.

The easiest way to manage your credit card information is through our digital services.

Learn more about managing your credit card

Is paying an annual fee for a credit card worth it?

Credit cards with annual fees tend to offer better rewards than no fee cards, but that doesn’t always mean they’re more rewarding. The rewards you earn should exceed the annual fee cost. Otherwise, you may not be getting the best value out of the card.

To make the most of your annual fee credit card, consider your spending habits and preferences. If you think you'll earn enough rewards or cashback or use the features and benefits of the card to justify the cost of the annual fee, an annual fee credit card may be a worthwhile option. If you’re not going to use your credit card too often, choose a card with no annual fee.