Find the right student credit card for you


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.

Benefits of CIBC student credit cards

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.

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Get a free SPC+ membership

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 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.

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.

Ready to get started?

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

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.


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Learn moreabout Samsung Pay

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