CIBC bizline Visa Card
Low Interest No Annual Fee Business

CIBC bizline Visa Card

CIBC CIBC
Welcome Bonus: Interest as low as CIBC Prime plus 1.5%.
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Annual Fee $0
Purchase APR —

RateBuddy Verdict

The Good
  • Functions as a high-limit business line of credit with interest rates significantly lower than standard credit cards.
  • No annual fee for the primary cardholder or for up to 9 authorized employee cards.
  • Highly accessible for new businesses, requiring only a $15,000 minimum individual annual income.
The Trade-offs
  • Does not earn any rewards points, cash back, or travel miles on business spending.
  • Completely lacks travel insurance, car rental collision coverage, and mobile device protection.
  • Interest rates are variable and tied to the CIBC Prime rate, meaning costs will increase if the Prime rate rises.

Rewards & Earnings

Base Rate 0%
Rewards Summary: Base Earn: None; This card functions as a low-interest line of credit for business. Features interest rates as low as CIBC Prime + 1.5% with $0 annual fee.

Welcome Bonus Details

Interest as low as CIBC Prime plus 1.5%.

Features & Benefits

No Annual Fee
No annual fee
Bad Credit & Rebuilding
Up to 9 additional cards with unique spending limits
Introductory 0% APR on Purchases
Variable rate as low as CIBC Prime + 1.5%

Insurance Coverage

Note: This card does not include Travel, Medical, or Car Rental insurance. Focus is strictly on low-interest credit access.

Rates, Fees & Eligibility

Purchase APR—
Cash Advance APR—
Annual Fee$0
Income Required Personal: $15,000
Recommended Credit Score—

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Filed Under

Low Interest No Annual Fee Business
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