Annual FeeNo Fee
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Minimum Credit Score Needed:Good (690-719)
Credit Card Issuer:CIBC
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CIBC Classic Visa Card for Students and get a premium credit card with no annual fee get built-in benefits, including Purchase Security and Extended Protection Insurance.
1 Cash advances bear interest from the date they are taken from your credit card account and are subject to available credit and available cash.
2 Interest rates will change from time to time on at least 30 days prior notice to primary cardholders. "Cash" means cash advances, balance transfers and Convenience Cheques.
3 Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). Different cards will have different coverage(s). To learn about included insurance(s), and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, see www.cibc.com/ca/credit-card/agreements-insurance.html and the insurance certificate(s) in your card package. Some insurance(s) require purchases, common carrier fares and other trip costs to be charged to the card to activate coverage (other conditions may also apply). Certain RSA coverages are “excess insurance” (all other sources of insurance and recovery must be exhausted before benefits are available). For more information, call RSA toll-free at 1-866-363-3338 in Canada, continental U.S. and Hawaii or collect from elsewhere at 905-403-3338.
4 Primary cardholder may assign and change the Authorized User Spending Limits on your credit card account for any authorized user(s) by contacting CIBC. CIBC may make adjustments to the spending limits any time following a decrease in the credit limit or cash limit of the card. “Cash” refers to cash advances, Convenience Cheques and balance transfers. Visit www.cibc.com/ca/credit-cards/budgeting-spend/spending-limits.html for full details.
5 We may withdraw approval if we become aware of any unfavourable information regarding your financial position or account status, or if you are unable to provide any additional information reasonably requested by CIBC. The application response time may take longer than 60 seconds in the event of technology issues. If you supply your email address, an application status email will be sent as soon as the technology issues are resolved. Otherwise, you will receive a response to your credit card application within 7 to 10 business days.
6 The Authorized User Spending Limit and the CIBC Mobile Payment App features cannot be used on the same credit card account.
7 Subject to merchant transaction limits.
All information is valid at the time of publication and is subject to change without notice.
No Annual Fee
Balance Transfer: 16.99%
Cash Advance: 16.99%
Sign-up BonusBalance Transfer: 3.99% for the first 6 months*
Cash Advance: 22.99%
Sign-up Bonus5,000 Aventura Points after first purchase
Cash Advance: 22.99%
Sign-up Bonus5,000 Aeroplan Miles