Annual Fee
$0
Extra Card Fee
$0
Purchase
19.99%
Cash Advance
22.99%
Balance Transfer
22.99%
Personal Income
$0
Household Income
$0
Canadian resident who has reached the provincial age of majority.
  • No annual fee.
  • No minimum income required.
  • Ability to set up CIBC CreditSmart spend alerts.
  • Get extra protection on your purchases with the included insurance, as well as accident coverage.
Extended Warranty 1 year
Purchase Protection 90 days
Travel Accident $100,000

Please review your insurance certificate for details, exclusions and limitations of your coverage.

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