CIBC Dividend® Visa* Card for Students (QC)

CIBC Dividend® Visa* Card for Students (QC)
3.4 Genius Rating
(0) Write your review
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Earn up to 2% cash back on eligible purcahses and get $50 cash back after you make your first purchase within the first 4 months.†

Rates & fees
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$50◊
Welcome bonus
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$204◊
Annual rewards
Learn more
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Monthly Spending:
$

Pros & cons

Pros

  • $50 cash back after the first purchase.
  • Up to 2% cash back on purchases.
  • Save up to 7 cents per litre at Journie Rewards gas stations..
  • Free SPC membership.
  • No annual fee.

Cons

  • Lower insurance coverage compared to similar credit cards.
  • Poor base earn rate of 0.5% cash back.

Your rewards

Getting your welcome bonus

Based on $2,000 in monthly spending, you can get up to an estimated $50.◊

For all welcome bonus details click here.

How you earn rewards

Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With CIBC Dividend Visa Card for Students (QC), here's how you earn rewards:

  • 2% cash back on eligible groceries
  • 1% cash back on eligible gas , EV charging , transportation , recurring bills , and dining
  • 0.5% on all other purchases

For all reward details click here.

How much your rewards are worth

The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For CIBC Dividend Visa Card for Students (QC) in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose:

Statement credits $204

Calculating your annual rewards

$24,000 annual spending x 0.85% return on spending = $204 annual rewards

$204 annual rewards − $0.00 annual fee = $204 net annual rewards

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Details and eligibility

Estimated Credit Score
760 - 900
Personal Income
N/A
Household Income
N/A
Canadian resident who has reached the provincial age of majority.
Annual Fee
$0.00
Extra Card Fee
$0
Card type
Credit
Purchase
21.99%
Cash Advance
21.99%
Balance Transfer
21.99%

Insurance coverage

Extended Warranty
1 year
Purchase Protection
90 days

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

Learn more about the value of credit card insurance coverage.

Genius Rating

CIBC Dividend Visa Card for Students (QC)'s 3.4 Genius Rating is based on the weighted average of the following scores:

Rewards
1.9
Fees
4.3
Insurance
0.6
Interest
1.6
Perks
1.2
Approval
1.4
Acceptance
4.6

Methodology

All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.

Learn more about our rating methodology.

Key benefits

  • Get $50 cash back after you make your first purchase within the first 4 months.†
  • Plus, get 2% cash back on eligible grocery purchases.†
  • 1% cash back on eligible gas, EV charging, transportation, dining purchases, and recurring payments.†
  • 0.5% cash back on all other purchases.†
  • Get cash back on demand - redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking®.†
  • Get all the student-life essentials on a budget.
  • Eligible student clients can get a free SPC+ membership, and receive over 450 deals on everyday purchases, bigger discounts, special experiences, and exclusive giveaways. Start banking with CIBC and make student life more rewarding.†
  • This is a digital-exclusive offer.† To be eligible for this offer: 1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and 2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you. This offer is reserved for you. Please do not forward it to anyone else. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months.†
This offer is only available to residents of Quebec. For residents of other provinces/territories, please click here.

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creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system.

Our ratings and rankings are strictly independent of compensation. Read our detailed disclosure about how CCG makes money.

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