Want even more? Get up to $200 cash back!ⓘ

Earn cash back with no annual fee

Plus, build your credit history by making at least your minimum monthly payments on time.

2%

1%

0.5%

Annual fee

$0

$0
for each additional card
(3 card maximum)

Interest rate (purchases)

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

Interest rate (cash)

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

RDS%rate[2].VSDIV.Published(null,null,90,null)(#O2#)%ⓘ
 (for Quebec residents)

MINIMUM INCOME REQUIREMENT

$0

CREDIT LIMITS UP TO

$5,000ⓘ

$2,000ⓘ 
(for international students)

SPC+ logo.

Get a free SPC+ membershipⓘ with this credit card 

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 more about getting a free SPC+ membership.

CIBC cardholders get exclusive Skip+ benefitsⓘ

Enjoy effortless home delivery and exclusive savings with our new Skip partnership.

12 months free

12-month free trial of Skip+ subscription

Welcome voucher

$15 off 3 Skip orders of $30 or more (up to $45 value)

Preferred monthly fee

Save $3 per month – only $6.99 after your free trial

Show more Skip+ benefits

Save up to 10 cents per litre on gas with CIBC and Journie Rewards

Link and use your eligible CIBC credit card with Journie Rewards to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.ⓘ, ⓘ

Save 3 cents per litre every time you fill up.ⓘ

+

Save 7 cents per litre every time you reach 300 Journie Points.ⓘ

Logos of Pioneer, Fas Gas, Ultramar, and Chevron.

Maximize your cash back

Get cash back on demand

Earn cash back for sending money globallyⓘ

Valuable insurance included with your card ⓘ,ⓘ,ⓘ 

A card that’s award-worthy

Best students credit card 2024 by Milesopedia award logo.

2023 Best Students Credit Card Milesopedia logo.

Best students cash back visa card 2022 by Milesopedia.