CIBC Dividend® Visa* Card for Students 

Welcome Bonus
Up to $125 cash back
  • No annual fee
  • Purchase Insurance
  • Free SPC+ membership
Annual Fee
$0
Interest rates
Purchase Rates
20.99 %
Cash Advance Rates
22.99 %
21.99 % (QC)
Balance Transfer Rates
22.99 %
21.99 % (QC)

CIBC_Dividend_Visa_classic_front_eng
CIBC Dividend® Visa* Card for Students
Up to $125 cash back
Apply Now
Updated Apr 15, 2025

Offer

Welcome offer: Join and earn up to $125 in value†

Here’s how it adds up:

  • Get $25 cash back after you make your first purchase within the first 4 monthly statements.†
  • Get a 10% cash back welcome bonus for the first 4 monthly statements (up to $100 cash back).†

Plus, get 2% cash back on eligible grocery purchases!

  • 1% cash back on eligible gas, electric vehicle charging, transportation and restaurant purchases and eligible recurring payments
  • 0.5% cash back on all other purchases
  • Get cash back on demand – redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking®

Save over $600 with CIBC and Skip

Get a 12-month Skip+ free trial and other exclusive benefits when you link your CIBC Dividend Visa Card for Students with Skip.

Get all the student-life essentials on a budget

Eligible student clients can get a free SPC+ membership, and receive over 450 deals on everyday purchases, bigger discounts, special experiences and exclusive giveaways. Start banking with CIBC and make student life more rewarding.

Fees & Conditions

Personal Income $0
Household Income $0
Annual Fee $0
First Additional Card $0
Foreign Transaction Fee 2.5%
Purchase Rates 20.99%
Cash Advance Rates 22.99%
Balance Transfer Rates 22.99%
Cash Advance Rate (QC) 21.99%
Balance Transfer Rates (QC) 21.99%

Value

Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Rewards Earned
Annual fee
Net value

Advantages

Welcome Bonus amount Up to $125 cash back
Minimum Spending Required $1,000
Minimum Spending Timeframe (Months) 4 month(s)

Earnings

Per dollar of purchases

All Spending 0.5 %
Groceries 2 %
Gas 1 %
Dining and Food delivery 1 %
Convenience Stores 0.5 %
Drugstores 0.5 %
Local Transport 1 %
Travel 0.5 %
Entertainment 0.5 %
Recurring Payments 1 %
Telecom/Internet 0.5 %
Streaming services 0.5 %
Online transactions 0.5 %
Office Supplies 0.5 %

Insurance

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$100,000
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
Price Protection

Alternative Cards

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