CIBC Dividend Visa Card for Students
Cash Back No Annual Fee Student

CIBC Dividend Visa Card for Students

CIBC CIBC
Welcome Bonus: Join and earn up to $125 cash back
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 APR21.99%
Cash Advance APR22.99%
Annual Fee$0
Income Required No specific requirement listed.
Recommended Credit Score—

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Filed Under

Cash Back No Annual Fee Student
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