CIBC Dividend® Visa* Card for Students

CIBC Dividend® Visa* Card for Students
Welcome Bonus
 cash back
Annual Fee
  • No annual fee
Interest rates
Purchase Rates
20.99 %
Cash Advance Rates
22.99 %
21.99 % (QC)
Balance Transfer Rates
22.99 %
21.99 % (QC)


Welcome Offer: Get $60 cash back after you make your first purchase within the first 4 months!†

Plus, get 2% cash back on eligible grocery purchases and up to 1% on everyday purchases like books, movies, food and more†!

  • 1% cash back on eligible gas, transportation, dining purchases and 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®†

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.†

This is a digital-exclusive offer.† To be eligible for this offer, you must apply for a new eligible card using the “Apply Now” link available on this webpage.†

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%


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


Welcome Bonus amount  cash back
Minimum Spending Required $1
Minimum Spending Timeframe (Months) 4 month(s)


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


Travel Insurance

Insurance Name
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
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

Other Insurance

Insurance Name
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
Price Protection
4.3 Milesopedia Rating