CIBC Dividend Visa Card for Students

Welcome Bonus

$30 cash back

Get $30 cash back after you make your first purchase within the first 4 months!

Annual Fee


Annual Rewards


$24,000 annual spending x 1.17% return on spending = $280annual rewards

Rewards on Approval


Purchase Rates


Cash Advance Rates


Balance Transfer Rates


Table of Contents

This student card, with no annual fee and no minimum income requirement, provides cash-back rewards in practical categories. Earn 2% back on groceries and 1% back on gas, transportation, Electric Vehicle Charging, Recurring Payments, and dining, along with 0.5% for all other purchases. Beyond the cash-back benefits, enjoy valuable insurance coverage, including Common Carrier Accident Insurance and Purchase Security and Extended Protection Insurance. Additional perks include an SPC+ membership. Plus, you have the opportunity to earn up to $280 in annual cash back, in addition to a $30 welcome bonus.


  • Up to 2% cash back on groceries
  • No annual fee
  • Free SPC+ membership
  • Common Carrier Accident Insurance & Purchase Security and Extended Protection Insurance included


  • 2% and 1% cash offers are only available on the first $80,000

Details & Eligibility

  • N/A
  • $0
  • N/A
  • $0
  • $0
  • Visa
  • Yes
  • 20.99%
  • 22.99%
  • 22.99%
  • N/A
  • N/A
  • N/A

Features and Advantages

  • Economize on Everyday Expenses: Utilize the card for a wide range of purchases, including groceries, gas, Electric Vehicle Charging, transportation, dining, and more, earning cashback ranging from 0.5% to 2%. Unlike some cards, there is no limit on the total cash back you can accumulate.
  • Access Valuable Insurance Benefits: This card, with no annual fee, provides $100,000 in Common Carrier Accident Insurance and offers Purchase Security and Extended Protection Insurance. Additionally, you have the option to apply for CIBC Payment Protector™ Insurance for CIBC Credit Cards.
  • International Money Transfers: Send money to over 120 countries with a $0 transfer fee. Cash advance fees are not applicable, and there’s no interest if you settle your balance by the payment due date.
  • Discounted Fuel Costs: Enjoy savings of up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar, and Chevron gas stations by linking your card with Journie Rewards.

Customer Assistance

Whatever questions you may have, support is available through your local branch, phone, email, and live agents seven days a week. Whether you are in Canada, the U.S., or internationally, CIBC ensures full support, regardless of your location.