Cash Back
No Annual Fee
Student
CIBC Dividend Visa Card for Students
CIBC
Welcome Bonus:
Join and earn up to $125 cash back
Secure RateBuddy connection · Application completed on CIBC’s site
Annual Fee
$0
Purchase APR
21.99%
Cash Advance
22.99%
Bonus Value
$125
RateBuddy Verdict
The Good
- A top-tier no-fee student card that offers 2% cash back on groceries and flexible on-demand redemption.
- Includes a free SPC+ membership, providing significant daily savings for students on food, fashion, and tech.
- No minimum income requirement makes it very accessible for students starting their credit journey.
The Trade-offs
- Base earn rate of 0.5% is quite low for non-category spending.
- Does not include any travel insurance, car rental coverage, or mobile device protection.
Rewards & Earnings
Groceries
2%
Dining
1%
Gas
1%
Travel
1%
Recurring Bills
1%
Base Rate
0.50%
Rewards Summary:
Groceries: 2% cash back; Gas, EV, Transit, Dining & Recurring Bills: 1% cash back; CIBC by Expedia: 1% cash back; Base Earn: 0.5% unlimited cash back; Perks: Free SPC+ & 12-month Skip+ trial.
Welcome Bonus Details
Join and earn up to $125 cash back
Estimated Value: $125
Features & Benefits
No Annual Fee
No annual fee
Extended Warranty Insurance
Included
Purchase Security Insurance
Included
Annual fee rebate with selected account
Free SPC+ Membership included
Insurance Coverage
Purchase Security: 90 days; Extended Warranty: +1 Year; Note: This card does not include Travel Medical, Trip Cancellation, or Car Rental insurance.
Rates, Fees & Eligibility
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $0 |
| Income Required | No specific requirement listed. |
| Recommended Credit Score | — |
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Filed Under
Cash Back
No Annual Fee
Student
Secure RateBuddy connection