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:

$0

$0



Interest rate (purchases)

RDS%rate[2].VSDIV.Published(null,null,6,null)(#R#)%3

Interest rate (cash)

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

21.99%3 (for Quebec residents)



Minimum income requirement:

$0



Minimum credit limit:

$1,000

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?