Earn cash back for no annual fee

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

2%

1%

0.5%

+

+

Bundle for more

Learn more

A card that’s award-worthy

2023 Best Students Credit Card Milesopedia logo.
2022 Best Student Cash Back Visa card Milesopedia logo.

SPC+ logo

Get a free SPC+ membershipⓘ with this credit card 

Save up to 30% on over 450 top brands when you shop online or in-store. Plus, get exclusive access to special experiences, cash prizes, giveaways and more – all for free, only with CIBC!

Learn more about getting a free SPC+ membership.

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

3 cents

+

7 cents

Maximize your cash back with these perks

Get cash back on demand

Earn cash back with CIBC Global Money Transfer™,ⓘ

Annual fee

$0

$0
for each additional card
(3 card maximum)

Interest rate (purchases)

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Interest rate (cash)

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

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

MINIMUM INCOME REQUIREMENT

$0

MINIMUM CREDIT LIMIT

$1,000