No Annual Fee
CIBC Classic Visa Card
CIBC
Welcome Bonus:
Get insurance coverage for no annual fee.
Secure RateBuddy connection · Application completed on CIBC’s site
Annual Fee
$0
Purchase APR
21.99%
Cash Advance
22.99%
RateBuddy Verdict
The Good
- A simple, no-annual-fee card that is easy to qualify for with a low $15,000 household income requirement.
- Includes Purchase Security and Extended Warranty insurance, which is helpful for no-fee shopping protection.
- Allows up to 3 authorized users for $0, making it a good choice for family budget management.
The Trade-offs
- Does not earn any rewards points, cash back, or travel miles on spending.
- Completely lacks travel insurance, car rental collision coverage, and mobile device protection.
Rewards & Earnings
Base Rate
0%
Rewards Summary:
Base Earn: None; This card is a simple, no-fee credit tool focused on purchase protection. Includes Purchase Security and Extended Warranty Insurance.
Welcome Bonus Details
Get insurance coverage for no annual fee.
Features & Benefits
No Annual Fee
No annual fee
Extended Warranty Insurance
Included
Purchase Security Insurance
Included
Insurance Coverage
Purchase Security: 90 days; Extended Warranty: +1 Year; Note: This card does not include Travel, Medical, or Car Rental insurance.
Rates, Fees & Eligibility
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $0 |
| Income Required | Household: $15,000 |
| Recommended Credit Score | — |
Cardholder Reviews
A detailed view of approved RateBuddy community feedback for this card.
Be the first to share a cardholder perspective.
Approved reviews build this card’s score and detailed ratings breakdown.
No approved reviews yet
No public user reviews yet. Share your experience to help others compare this card.
Reviews are moderated before publication. RateBuddy does not publish reviewer email addresses or sensitive financial information.
Filed Under
No Annual Fee
Secure RateBuddy connection