Apply for student banking and a credit card together

Are you an international student? Add a credit card to your application to start building your credit history in Canada.

Do I qualify? for student banking and a credit card together. Opens in a dialog.

Enjoy no-monthly fee everyday student banking — choose a credit card to get started

Students under 25 can enjoy unlimited no-fee everyday banking with CIBC Smart™ Start. Graduating after 25? Check out CIBC Smart for Students.

Credit cards for students

Save time with one online application for two great student offers. Collect rewards on eligible cards while you focus on school.

CIBC Dividend® Visa* Card for Students

Learn more about what this card has to offer:

Benefits Guide (PDF, 415 KB) for the CIBC Dividend Visa Card for Students. Opens in a new window.

Limited time offer

Earn up to $50 cash back after you make your first purchase^†

Annual fee
$0

Interest rate
RDS%rate[2].VSDIV.Published(null,null,6,null)(#O2#)% for purchases¹
RDS%rate[2].VSDIV.Published(null,null,3,null)(#O2#)% for cash^1,2
(RDS(%rate[2].VSDIV.Published(null,null,90,null)(#O2#)% for Quebec residents)^1,2

Valuable insurance included with your card Learn about the valuable insurance included with your CIBC Dividend Visa Card for Students. Opens in a dialog.

Insurance certificates for the Dividend Visa Card for Students (PDF, 360 KB) Opens in a new window.

For Quebec residents: Product Summaries and Fact Sheets (PDF, 1 MB) Opens in a new window.

Apply for the CIBC Dividend Visa Card for Students together with student banking.

Apply now

CIBC Aventura® Visa* Card for Students

Learn more about what this card has to offer:

Benefits Guide (PDF, 1.6 MB) for the CIBC Aventura Visa Card for Students. Opens in a new window.

Welcome offer

Earn up to 2,500 Aventura Points^‡ for no annual fee.

Annual fee
$0

Each additional card (up to 3)
$0

Interest rate
RDS%rate[2].VSAVC.Published(null,null,6,null)(#O2#)% for purchases¹
RDS%rate[2].VSAVC.Published(null,null,3,null)(#O2#)% for cash¹
(RDS%rate[2].VSAVC.Published(null,null,90,null)(#O2#)% for Quebec residents)¹

Valuable insurance included with your card Learn about the insurance included with your CIBC Aventura Visa Card for Students. Opens in a dialog.

Insurance certificates for the Aventura Visa Card for Students (PDF, 375 KB) Opens in a new window.

For Quebec residents: Product Summaries and Fact Sheets (PDF, 1.2 MB) Opens in a new window.

Apply for the CIBC Aventura Visa Card for Students together with student banking.

Apply now

CIBC Aeroplan® Visa* Card for Students

Learn more about what this card has to offer:

Benefits Guide (PDF, 5.7 MB) for the CIBC Aeroplan Visa Card for Students. Opens in a new window.

Welcome offer

Join and get up to $200 in value in your first year.^◇

Annual fee
$0

Each additional card (up to 3)
$0

Interest rate
RDS%rate[2].VSARO.Published(null,null,6,null)(#O2#)% for purchases¹
RDS%rate[2].VSARO.Published(null,null,3,null)(#O2#)% for cash¹
(RDS%rate[2].VSARO.Published(null,null,90,null)(#O2#)% for Quebec residents)¹

Valuable insurance included with your card Learn about the insurance included with your CIBC Aeroplan Visa Card for Students. Opens in a dialog.

Insurance certificates for the Aeroplan Visa Card for Students (PDF, 200 KB) Opens in a new window.

For Quebec residents: Product Summaries and Fact Sheets (PDF, 1.2 MB) Opens in a new window.

Apply for the CIBC Aeroplan Visa Card for Students together with student banking.

Apply now

CIBC Classic Visa* Card for Students

Learn more about what this card has to offer:

Benefits Guide (PDF, 305 KB) for the CIBC Classic Visa Card for Students. Opens in a new window.

Get 90-day protection on new purchases and $100,000 Common Carrier Accident Insurance.³

Annual fee
$0

Interest rate
RDS%rate[2].VSREG.Published(null,null,6,null)(#O2#)% for purchases¹
RDS%rate[2].VSREG.Published(null,null,3,null)(#O2#)% for cash¹
(RDS%rate[2].VSREG.Published(null,null,90,null)(#O2#)% for Quebec residents)¹

Valuable insurance included with your card Learn about the additional details and insurance information for your CIBC Aventura Visa Card. Opens in a dialog. Learn about the insurance included with your CIBC Classic Visa Card for Students. Opens in a dialog.

$100,000 Common Carrier Accident Insurance (PDF, 55 KB) Opens in a new window.

Purchase Security and Extended Protection Insurance (PDF, 650 KB) Opens in a new window.

For Quebec residents: Product Summaries and Fact Sheets (PDF, 1 MB) Opens in a new window.

Apply for the CIBC Classic Visa Card for Students together with student banking.

Apply now

Want to apply for student banking without a credit card?

Don’t worry, you can always apply for a credit card later.

Learn more

CIBC is a member of Canada Deposit Insurance Corporation (CDIC)

^†You can qualify for this offer if you apply and are approved for a new CIBC Dividend® Visa* Card for Students beginning April 5 , 2024.

If you apply and are approved for a new CIBC Dividend^® Visa* Card for Students, you will receive a one-time $30 cash back on your first purchase made within the first 4 monthly statement periods. A bonus of $20 cash back will be awarded if the first purchase is made on or before June 30, 2024. The $20 cash back will be applied up to 16 weeks after the qualifying purchase has been posted to your credit card account.

Cash back is awarded at the end of the year as a credit on your December statement.

Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Dividend^® Visa* Card for Students are excluded. This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months. This offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion. For this offer, the following do not qualify as purchases: cash advances, CIBC Global Money Transfers^™, interest, fees, balance transfers, payments or CIBC Convenience Cheques.

^‡You can qualify for this offer if you apply and are approved for a new CIBC Aventura® Visa* for Students card beginning March 5, 2024.

If you apply and are approved for a new CIBC Aventura Visa for Students card, you can receive up to 2,500 bonus Aventura Points for completing the below activities within 60 days of your CIBC Aventura® Visa* for Students account approval. The following activities are worth 500 Aventura Points each: 1. Share your email address with CIBC; 2. Sign up for eStatements for your new Aventura Visa card; 3. Add an authorized user on your new Aventura Visa card; 4. Hold any eligible CIBC Chequing Account; and 5. Add your Aventura Visa card with Apple Pay^® or Samsung Pay or Google Pay™. It may take up to two statement cycles for the bonus Aventura Points to appear on your credit card statement after each of the above activities have been completed. You can provide us with your email address and sign up for eStatements through CIBC Online Banking, by visiting a branch or calling 1-800-465-4653 Opens your phone app.. This offer is applicable to the first authorized user added only. Your authorized users will be issued the additional card(s) automatically when we get your request, as long as your credit card account is: a) still in good standing at that time, and b) your request does not exceed a total of 3 authorized users (counting any existing authorized users you may already have). Authorized users under the age of 13 can only be added by calling CIBC at 1-800-465-4653 Opens your phone app.. You must hold any of the following CIBC Chequing accounts: CIBC Everyday^® Chequing Account, CIBC Smart™ Account, CIBC SmartPlus^® Account, CIBC US$ Personal Account, CIBC Personal Chequing Account, CIBC EverydayPlus^® Chequing Account, CIBC Waive Account^®, CIBC MenuPlus^® — Maximize Interest Account, CIBC Chequing Savings Account. If you already have an existing eligible CIBC Chequing account or shared your email address with CIBC, you will be qualified to receive the 500 Aventura Points each. If you do not have an eligible account you may apply at Chequing Accounts or by calling 1-866-525-8622 Opens your phone app.. To learn more about the mobile payment options, visit Ways to Pay.

Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Aventura^® Visa* for Students are excluded. Card account must be open and in good standing at the time the Aventura Points are awarded. Aventura Points are awarded to you within 8 weeks after all qualifying purchase(s) are posted to your account. The following do not qualify as purchases: cash advances, CIBC Global Money Transfers™, balance transfers, CIBC Convenience Cheques, fees, interest, Aventura Points redemptions and payments. It may take up to several business days for purchases to be posted to your account. This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Aventura card within the last 12 months. This offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion.

^◇ You can qualify for this offer if you apply and are approved for a new CIBC Aeroplan^® Visa* Card for Students beginning March 5, 2024.

If you apply and are approved for a new card you will receive a Welcome Bonus of 10,000 Aeroplan points when you make your first purchase at any time with your card. For this offer, purchases do not include Cash Advances, CIBC Global Money Transfers^™, interest, fees, Balance Transfers, payments or CIBC Convenience Cheques. Aeroplan points are awarded to you within 8 weeks after the qualifying purchase(s) are posted to your account. It may take up to several business days for purchases to be posted to your account. Your new credit card account must be open and in Good Standing at time the Aeroplan points are awarded. This offer is not transferable and cannot be combined with any other offer. This offer does not apply to transfers from another credit card account. This offer may be withdrawn or changed without prior notice at any time. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Aeroplan card within the last 12 months. This offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion.

The up to $200 value is based on the total value of: the 10,000 Aeroplan points upon approval of your CIBC Aeroplan Visa Card are redeemed for a flight reward ($200), based on over 70% of current Aeroplan cardholders receive a value of $0.02/points or more when redeeming for a flight reward as of February 1, 2023. Redemption calculation is based on actual redemptions made by cardholders between the period of November 8, 2020 to February 1, 2023. Aeroplan points have no cash value but are redeemable under the Aeroplan program for flights and other rewards. The retail value of rewards obtained using Aeroplan points will vary depending on a range of factors including the type of reward issued, details of which may be found on the Air Canada website Opens in a new window.. Aeroplan points may be redeemed only in accordance with the General Terms & Conditions of the Aeroplan program. Full terms and conditions of the Aeroplan Program are available online on the Air Canada website Opens in a new window..

All offers are contingent on satisfying the criteria outlined in the offer terms and conditions.

¹ Interest rates may change from time to time. "Cash" means cash advances, balance transfers and CIBC Convenience Cheques.

² Cash advances do not earn cash back. Cash advances bear interest from the date they are taken from your credit card account and are subject to available credit and available cash.

³Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada. You may contact the insurer in Canada and the U.S. at 1-866-363-3338 Opens your phone app.. Or, call collect from elsewhere at 905-403-3338 Opens your phone app.. You can also visit the website cibccentre.rsagroup.ca Opens in a new window.. Different cards will have different coverage(s). To learn about which coverage(s) are included with a specific card, and to get important information regarding coverage eligibility requirements, benefits, limitations and exclusions, review the insurance certificate(s) in your card package and go to Agreements and Insurance. Some insurance coverage(s) require purchase(s), auto rentals, common carrier fares and other trip costs to be charged to the card to activate coverage. Other conditions may also apply. Auto Rental Collision/Loss Damage Insurance (CLDI) is available for a rental period of up to 48 days for rental cars with a Manufacturer’s Suggested Retail Price (MSRP) of up to $65,000 CAD and not otherwise excluded from coverage. The full cost of the rental must be charged to the card and the rental agency’s Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) must be declined. CLDI provides coverage up to the actual cash value (ACV) of the rental vehicle as defined in your insurance certificate. Note that some rental agencies may assess their damages at an amount greater than the ACV of the rental vehicle and you may be liable to them for the difference. Before declining the rental agency’s CDW or LDW, you should read carefully and compare the terms of the rental agreement, the CLDI insurance certificate in your card package and any other insurance you own to decide which coverage best meets your protection needs. Certain coverages are “excess insurance” (all other sources of insurance and recovery must be exhausted before coverage is available).

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Apply for student banking and a credit card together

Here’s how to qualify for student banking together with a CIBC credit card:

Enjoy no-monthly fee everyday student banking — choose a credit card to get started