Spend cash, get cash back

Get 2% cash back on eligible grocery store purchases1

Keep on earning cash back

New purchase? Get extra protection

Earn cash back for no annual fee

Annual fee:



Interest rate (purchases)


Interest rate (cash)


21.99%3 (for Quebec residents)

Minimum income requirement:


Minimum credit limit:


Everyday purchases, everyday rewards

2% cash back

1% cash back

0.5% cash back

Valuable insurance comes with your card

$100,000 Common Carrier
Accident Insurance2

Plus, take advantage of optional insurance

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 more About getting a free SPC membership.

Ready to earn cash back for no annual fee?