Low Interest
No Annual Fee
Business
CIBC bizline Visa Card
CIBC
Welcome Bonus:
Interest as low as CIBC Prime plus 1.5%.
Secure RateBuddy connection · Application completed on CIBC’s site
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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