CIBC Dividend Visa Card for Students

2% on groceries; 1% on eligible gas, electric vehicle charging, transportation/transit, dining, recurring payments and travel booked through CIBC by Expedia; 0.5% on everything else. CIBC states on the product page 'No limit on the total cash back you can earn' and that cash back does not expire, so there is no published category or annual cap. Note that the accelerated categories on the student card are materially weaker than the non-student CIBC Dividend Visa Infinite (which pays 4% on groceries and gas), same brand, different earn table.

Headline 'up to $125 cash back'. Tier 1: $25 after the first purchase, which must occur within the first 4 statement periods (no spend threshold beyond one purchase, so bonus_tier1_spend is NOT PUBLISHED as a dollar figure). Tier 2: a 10% bonus on net purchases up to $1,000 made within the first 4 statement periods, i.e. A maximum of $100. Reaching the full $125 therefore requires $1,000 of spend inside four statement periods. CIBC does not publish an offer end date on the product page.

Purchase Security Insurance (90 days) and Extended Protection Insurance (extends manufacturer's warranty up to one additional year). CIBC Travel Medical Insurance and CIBC Payment Protector Insurance are OPTIONAL PAID products, not embedded benefits. Credit limit is capped at $5,000 for Canadian students and $2,000 for international students. Income figure is genuinely published as $0: the product page says 'No minimum income requirement' AND the CIBC student card comparison hub displays '$0' in the income-requirement field. This is one of the few Canadian cards where a literal $0 is issuer-stated rather than merely absent. APRs are NOT printed on the product page. CIBC renders them as client-side placeholders ('RDS%rate[2].VSDIV.Published'). The 21.99% / 22.99% figures come from CIBC's rate summary PDF row 'All CIBC Personal Credit Cards (except CIBC Select Visa, CIBC Costco Mastercard and CIBC Costco World Mastercard)', which is a catch-all covering this card; CIBC does not name the student cards individually in that PDF. Quebec residents pay 21.99% on cash advances and balance transfers instead of 22.99%, and the per-transaction cash advance fee ($5 in Canada / $7.50 outside) does not apply to Quebec residents. Credit limit is hard-capped at $5,000 (Canadian students) / $2,000 (international students), well below the non-student Dividend card. Name similarity trap: this is NOT the CIBC Dividend Visa Infinite. Groceries earn 2% here vs 4% on the paid Infinite version.