RateBuddy Verdict
The Good
- The perfect entry-level card for students wanting to earn flexible travel points without an annual fee.
- Free SPC+ membership offers substantial lifestyle savings on fashion, food, and tech.
- Highly accessible for students with no minimum income requirement and a simple approval process.
The Trade-offs
- The base earn rate is low at 1 point for every $2 spent on non-category purchases.
- Lacks all travel medical and trip cancellation insurance, which are often expected on travel-branded cards.
Rewards & Earnings
Groceries
1%
Dining
0.50%
Gas
1%
Travel
1%
Recurring Bills
0.50%
Base Rate
0.50%
Rewards Summary:
Gas, EV, Groceries & Drugstores: 1 pt per $1; Travel via CIBC Rewards: 1 pt per $1; Base Earn: 1 pt per $2; Perks: Free SPC+ & 12-month Skip+ trial.
Welcome Bonus Details
Earn up to 12,500 Aventura Points for no annual fee.
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; Common Carrier: $100,000; Note: Does not include Travel Medical or Trip Cancellation 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
Travel Rewards
No Annual Fee
Student
View Offer
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