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CIBC Aventura® Visa* Bill of fare for Students

Welcome offering

Annual fee

Minimum annual income

Minimum credit limit

Interest rate

†Conditions apply for the CIBC Aventura Visa Menu for Students..

Option 2 Item 2 of 3

CIBC Dividend® Visa* Menu for Students

Welcome offer

Almanac fee

Minimum annual income

†Atmospheric condition utilize near the CIBC Dividend Visa Bill of fare for Students..

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CIBC Aeroplan® Visa* Card for Students

Welcome offer

Annual fee

Minimum annual income

Minimum credit limit

Interest rate

†Atmospheric condition apply for the CIBC Aeroplan Visa Menu for Students..

Find the right student credit menu for you

Rewards

If you like the thought of using rewards to redeem for travel, souvenir cards, merchandise and more, go with a card that helps you earn points. Plus, you can collect extra points when you spend on certain categories. If you prefer to get a pct of your spending back, go with a cash dorsum menu.

Annual fees

Some of our credit cards come up with a low annual fee but consider the card's value. Information technology may be worth paying the annual fee if you'll earn plenty rewards and perks to more than brand up for the cost.

Interest rates

If you think you'll bear a residuum every month, get with a bill of fare with a lower involvement rate. If you become paid regularly and can pay off your balance in full, you may exist able to manage a higher interest rate and earn rewards.

Welcome offers

Welcome offers tin help you go extra value for your card. Depending on the promotion, you could earn more travel points, greenbacks back or savings on rates and fees. Make certain you lot review and understand the terms then you tin can take advantage of the offering.

Benefits of CIBC student credit cards

Build your credit score

Using a student credit carte du jour responsibly is a great way to build your credit score. A adept credit history is important, peculiarly if you want to make major purchases, like buying a auto or dwelling after y'all graduate.

Access more cash flow

If you're short on cash, a credit carte is a convenient way to concur you over until your pay cheque comes in. Just brand sure you can pay back what you spend in full.

Enjoy reward points

Get rewarded every time you lot employ your card. Whether you like earning points or getting cash back, cull the credit card that suits your lifestyle while y'all're in school.

SPC logo.

Become a complimentary SPC membership††

Your free SPC membership provides exclusive access to SPC+. Get improve discounts, special experiences and more. Save instantly when you lot shop over 450 deals in-store and online. Pay no membership fee as a CIBC client with an eligible student product.

Learn more thanwell-nigh this offer.

Use at present for a student credit card

To qualify

  • Yous're currently a post-secondary pupil.
  • Y'all're a Canadian resident and you've reached the historic period of majority in your province. The historic period of majority is 18 in Alberta, Manitoba, Ontario, Quebec, Prince Edward Island and Saskatchewan. The historic period of majority is 19 in British Columbia, New Brunswick, Newfoundland and Labrador, the Northwest Territories, Nova Scotia, Nunavut and Yukon.
  • You haven't declared bankruptcy in the past 7 years.

Apply online

Applying takes about v minutes, and y'all'll get a response in as fiddling as 60 seconds.◇

Only professional students†† get admission to exclusive premium travel and cash dorsum credit cards with no proof of income required. Medical, dental, optometry, police force, veterinary and pharmacy students get this offer when they packet a credit card with a CIBC Professional Edge Student Line of Credit.

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Option 1 Detail ane of 3

CIBC Dividend Platinum® Visa* Card

Welcome offer

Annual fee

Involvement rate

No minimum annual income required††

Credit limit for medical and dental students

Credit limit for all other professional person students

†Conditions utilize Opens a new window in your browser..

Selection ii Item 2 of iii

CIBC Aventura® Gold Visa* Carte du jour

Welcome offer

Annual fee

Interest rate

for purchases three and

No minimum annual income required††

Credit limit for medical and dental students

Credit limit for all other professional person students

†Weather condition apply Opens a new window in your browser..

Option iii Particular 3 of three

CIBC Aeroplan® Visa* Card

Welcome offering

Annual fee

Involvement rate

for purchases iv and

No minimum annual income required††

Credit limit for medical and dental students

Credit limit for all other professional students

†Conditions apply Opens a new window in your browser..

Ready to get started?

Check out the services you can personalize to better protect yous and your credit.

Set alerts

Sticking to a budget? Gear up up Spend Alerts and we'll notify y'all when you exceed your set budget or when yous're nearing your credit limit.✦

Track your spending

Desire to detect out where your money goes? We'll help you detect trends in your spending by category.

Visa's Zip Liability Policy

Should someone steal your card, your card number, or other carte du jour details, y'all volition not be held responsible for fraudulent purchases processed through the Visa network equally long as you run across your obligations.✧

We're the first Canadian fiscal establishment to offer all three leading mobile wallets.

Smartphone displays a credit score.

Looking for more data?

Your student credit bill of fare questions answered

To qualify for a CIBC student credit carte, meet these eligibility requirements showtime:

  • Y'all're currently a post-secondary student
  • You lot're a Canadian resident and you've reached the age of majority in your province — if you're an international student, you'll qualify when you prove us your proof of international pupil status
  • Yous haven't alleged bankruptcy in the by 7 years

If y'all have questions about all the eligibility requirements, contact us.

Yeah, you tin can even so apply your student credit card after graduation, only you may want to consider upgrading your bill of fare to take advantage of higher credit limits and more advantage perks.

The minimum historic period to get a credit card depends on where you lot live. In Alberta, Saskatchewan, Manitoba, Ontario, Quebec and PEI, the minimum age is eighteen. In all other provinces and territories, the minimum age is 19.

Yous can build your credit history by using your student credit carte du jour to comprehend everyday expenses but utilize it responsibly. Don't spend more than you can afford to repay and pay off your rest each month in full — or at least make the minimum payment.

Building a strong credit history when you're a pupil is of import for your time to come goals. When you're ready to purchase a car or home, a skillful credit score tin mean the difference between beingness approved or denied for a loan. Plus, a strong credit score can assist you go a lower interest rate.

Maintaining a strong credit score is all near practicing responsible credit carte habits all the time.

Hither are some tips to help you maintain your credit score:


A belatedly credit carte du jour payment tin injure your payment history and credit rating, especially if it'southward a pattern. Plus, you lot'll have to pay involvement on the residual and other belatedly fees.


If yous take trouble remembering to pay your credit carte bill, set upward a scheduled payment from your chequing account to your credit carte du jour every month. Make certain you have plenty funds in your account to cover the corporeality due.


Paying merely the minimum rest will continue your account in good standing just information technology won't save you on interest fees. Plus, conveying a residue each calendar month means you'll exist in debt longer. Don't spend more than you can afford to repay, and stick to a budget.


Going over your credit limit can lower your credit score. Try non to utilize all of your available credit at once.


If you don't accept a regular source of income or enough coin in the bank to cover your credit card bills, a student credit card may not exist correct for yous. Only utilise your credit card when y'all demand it and if y'all can pay off the balance in full.

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