a CIBC Dividend Visa card, a CIBC Debit card, an SPC+ card, and an Skip+ card are displayed together.

Earn cash back with no annual fee

Plus, build your credit history by making at least your minimum monthly payments on time.

2%

1%

0.5%

A CIBC Dividend Visa card, a CIBC Debit card, an SPC+ card, and a Skip+ card are displayed together.

Special offer

Enjoy extra cash and all your banking essentials with the CIBC Best Student Life Bundleⓘ

New to CIBC? Bundle CIBC Dividend Visa Card for Students with a chequing account, savings account and more. Canadian and international students can apply online with one easy application.

Annual fee

$0

$0
for each additional card
(3 card maximum)

Interest rate (purchases)

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

Interest rate (cash)

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

MINIMUM INCOME REQUIREMENT

$0

CREDIT LIMITS UP TO

$5,000ⓘ

$2,000ⓘ 
(for international students)

SPC+ logo.

Get a free SPC+ membershipⓘ with this credit card 

Level up your savings with up to 30% off 450+ brands you love. Unlock VIP contests, next-level giveaways, and exclusive perks that make everyday life anything but basic. With SPC+, the best deals aren’t just deals—they’re a lifestyle.

Learn more about getting a free SPC+ membership.

CIBC cardholders get exclusive Skip+ benefitsⓘ

Enjoy effortless home delivery and exclusive savings with our new Skip partnership.

12 months free

12-month free trial of Skip+ subscription

Welcome voucher

$15 off 3 Skip orders of $30 or more (up to $45 value)

Preferred monthly fee

Save $3 per month – only $6.99 after your free trial

Show more Skip+ benefits

Save up to 10 cents per litre on gas with CIBC and Journie Rewards

Link and use your eligible CIBC credit card with Journie Rewards to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.ⓘ, ⓘ

Save 3 cents per litre every time you fill up.ⓘ

+

Save 7 cents per litre every time you reach 300 Journie Points.ⓘ

Logos of Journie Rewards, On the Run, Pioneer, Fas Gas, Ultramar, and Chevron.

Maximize your cash back

Get cash back on demand

Earn cash back for sending money globallyⓘ

Valuable insurance included with your card ⓘ,ⓘ,ⓘ 

A card that’s award-worthy

Show our latest credit card awards