Terms and conditions vary. Select the terms and conditions link connected to each credit card for more information.
‡ To be eligible for a free SPC membership, you must hold an eligible CIBC product at the time you register for the membership, which you must do through CIBC online or mobile banking. Eligible CIBC products include a CIBC Youth or Student bank account, Student credit card or Student line of credit. A complete list of eligible CIBC products can be found at SPC and CIBC. Joint account holders of eligible CIBC products are not eligible for membership. You must also be a legal resident of Canada who is fourteen (14) years of age or over, but under the age of thirty (30) years if the eligible CIBC product you use to qualify for the membership is a student line of credit. The membership will automatically renew and remain in effect for as long as you hold an eligible CIBC product.
Trade-mark/registered trade-mark of Student Price Card Ltd.
◇ We may withdraw approval if we become aware of any unfavourable information regarding your financial position or account status, or if you are unable to provide any additional information reasonably requested by CIBC. The application response time may take longer than 60 seconds in the event of technology issues. If you supply your email address, an application status email will be sent as soon as the technology issues are resolved. Otherwise, you'll receive a response to your credit card application within 7 to 10 business days.
†† Eligibility is limited to students in the following programs: medical, dental, law, optometry, pharmacy and veterinary studies. Students in medical, dental, law, optometry, pharmacy and veterinary studies must hold a Professional Edge Line of credit in order to be eligible for this offer.
✦ Transactions must first be posted to your account before they can trigger a spend alert. It may then take up to 24 hours after a triggering transaction is posted for an alert to be sent. On select CIBC cards, an overlimit fee is charged if the account balance is over its credit limit on the date the statement is prepared.
✧ The Visa Zero Liability Policy does not apply to ABM transactions or to PIN transactions not processed through the Visa network. You must comply with the CIBC Cardholder Banking Service Agreement including safeguarding your card, your card details and PIN.
◆ The CIBC free credit score service is a feature in the CIBC Mobile Banking App which allows CIBC clients to subscribe to get their credit score from Equifax Canada.
The Equifax credit score is based on Equifax’s proprietary model and may not be the same score used by third parties or by CIBC in certain instances to access your creditworthiness. The provision of this score to you is intended for your own educational use. Third parties and CIBC will take into consideration other information in addition to a credit score when evaluating your creditworthiness.
You should always obtain the most updated credit information and scores from Equifax Canada to ensure accuracy before making a major financial decision.