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Student credit cards

Build credit, earn rewards and pay for everyday purchases with a no- or low-fee student credit card.

 Special offer: Get $60 when you open a CIBC Smart for Students account.Learn moreabout the student banking offer..

CIBC Aventura Visa* Card for Students

 Welcome offer

Get up to 2,500 bonus Aventura Points.1

Enjoy movies, music, shopping, food, travel and more.

Annual fee

$0

Minimum annual income

$0

Minimum credit limit

$1,000

Interest rate

 for purchases5
 for cash (oRDSRDS%rate[2].VSAVC.Published(null,null,90,null)(#O2#)%
 for Quebec residents)

CIBC Dividend® Visa* Card for Students

Welcome offer

Get $30 cash back after you make your first purchase.

Annual fee

$0

Minimum annual income

$0

Minimum credit limit

$1,000

Interest rate

 for purchases4
 for cash (or RDS%rate[2].VSDIV.Published(null,null,90,null)(#O2#)% for Quebec residents)4

CIBC Aeroplan® Visa* Card for Students

 Welcome offer

Earn 10,000 Aeroplan® points on your first purchase.

Annual fee

$0

Minimum annual income

$0

Minimum credit limit

$1,000

Interest rate

 for purchases4
 for cash (or RDS%rate[2].VSARO.Published(null,null,90,null)(#O2#)% for Quebec residents)4

Find the right student credit card for you

As a student, you need a credit card that gives you the best value based on your lifestyle, spending habits and priorities. Before you choose a card, compare these important card features:

Rewards

If you like the idea of using rewards to redeem for travel, gift cards, merchandise and more, go with a card that helps you earn points. Plus, you can collect extra points when you spend on certain categories. If you prefer to get a percentage of your spending back, go with a cash back card.

Annual fees

Some of our credit cards come with a low annual fee but consider the card’s value. It may be worth paying the annual fee if you'll earn enough rewards and perks to more than make up for the cost.

Interest rates

If you think you’ll carry a balance every month, go with a card with a lower interest rate. If you get paid regularly and can pay off your balance in full, you may be able to manage a higher interest rate and earn rewards.

Welcome offers 

Welcome offers can help you get extra value for your card. Depending on the promotion, you could earn more travel points, cash back or savings on rates and fees. Make sure you review and understand the terms so you can take advantage of the offer.

If you need help narrowing down your options, use our credit card comparison tool.

Benefits of CIBC student credit cards

A student credit card can help you take a big financial step forward and make the most of student life if you use it the right way. 

Build your credit score 

Using a student credit card responsibly is a great way to build your credit score. A good credit history is important, especially if you want to make major purchases, like buying a car or home after you graduate. 

Access more cash flow

If you’re short on cash, a credit card is a convenient way to hold you over until your pay cheque comes in. Just make sure you can pay back what you spend in full.

Enjoy reward points

Get rewarded every time you use your card. Whether you like earning points or getting cash back, choose the credit card that suits your lifestyle while you’re in school.

SPC logo.

Get a free SPC membership††

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 moreabout this offer.

Apply now for a student credit card

To qualify

  • You're currently a post-secondary student.
  • You're a Canadian resident and you've reached the age of majority in your province. The age of majority is 18 in Alberta, Manitoba, Ontario, Quebec, Prince Edward Island and Saskatchewan. The age of majority is 19 in British Columbia, New Brunswick, Newfoundland and Labrador, the Northwest Territories, Nova Scotia, Nunavut and Yukon.
  • You haven't declared bankruptcy in the past 7 years.
Stopwatch showing 60 seconds

Apply online

Applying takes about 5 minutes, and you’ll get a response in as little as 60 seconds.

Only professional students†† get access to exclusive premium travel and cash back credit cards with no proof of income required. Medical, dental, optometry, law, veterinary and pharmacy students get this offer when they bundle a credit card with a CIBC Professional Edge Student Line of Credit.

CIBC Dividend Platinum® Visa* Card

 Welcome offer

Get a first-year annual fee rebate and 10% cash back for the first 4 statements on total purchases of up to $2,000..

Annual fee

$99

Interest rate

for purchases
 for cash (or RDS%rate[2].VPDIV.Published(null,null,90,null)(#O2#)% for Quebec residents)4, 5


 



 

No minimum annual income required††

 

 

CIBC Aventura® Gold Visa* Card

 Welcome offer

Join and get up to $800 in value.

Plus, get a first-year annual fee rebate.

Annual fee

$139

Interest rate

 for purchases
 for cash (or RDS%rate[2].VGLIS.Published(null,null,90,null)(#O2#)% for Quebec residents)4


 

 

 

 

CIBC Aeroplan® Visa* Card

 Welcome offer

Earn 10,000 Aeroplan® points on your first purchase.

Annual fee

$0

Interest rate

 for purchases
 for cash (or RDS%rate[2].VSARO.Published(null,null,90,null)(#O2#)% for Quebec residents)4


 

 

 

 

Ready to get started?

Book a meeting with an advisor at a CIBC Banking Centre near you.

Welcome OFFER

Check out the services you can personalize to better protect you and your credit.

Stack of credit cards, with a card displaying an alarm icon, coins and a shield.

Set up alerts

Sticking to a budget? Set up Spend Alerts and we’ll notify you when you exceed your set budget or when you’re nearing your credit limit.

Track your spending

Want to find out where your money goes? We’ll help you detect trends in your spending by category.

Visa's Zero Liability Policy

Should someone steal your card, your card number, or other card details, you will not be held responsible for fraudulent purchases processed through the Visa network as long as you meet your obligations.

We're the first Canadian financial institution to offer all 3 leading mobile wallets.

 

Learn moreabout Google Pay

 

Learn moreabout Apple Pay

 

Learn moreabout Samsung Pay

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We received the highest overall score in mobile and online banking functionality and usability among Canada's 5 largest retail banks.

Looking for more information?

Your student credit card questions answered