CIBC Dividend Visa Card for Students
Quick answer: The CIBC Dividend Visa Card for Students carries a CA$0 annual fee and 5 catalogued benefits; its best earning category is Groceries at 2x. MaxWorth is the only benefits tracker with hand-verified Canadian card data, and it never asks for a bank login.
Earning rates
| Category | Rate | True cash-back value |
|---|---|---|
| Groceries | 2x | 2% |
| Dining | 1x | 1% |
| Gas | 1x | 1% |
| EV Charging | 1x | 1% |
| Transit | 1x | 1% |
| Recurring Bills | 1x | 1% |
| Travel Cibc | 1x | 1% |
| Everything else | 0.5x | 0.5% |
True cash-back value = rate × MaxWorth's valuation of the card's points currency; see the methodology.
Status & Elite Perks (2)
Free Skip+ Membership
CA$50/yrFree Skip+ membership (normally ~$120/year) included with the card. Get $0 delivery fees on eligible orders and a $10 monthly voucher to use on the Skip app for food, groceries, and convenience delivery.
SPC+ Student Membership
CA$15/yrFree SPC+ student membership (normally $15/year) included with the card. Get up to 30% off at 450+ brands across Canada — fashion, food, beauty, entertainment, and more.
Protections (2)
Purchase Security Insurance
CA$50/yrProtects eligible new purchases against theft or accidental damage for 90 days from the date of purchase when the full cost is charged to the card.
Extended Warranty Insurance
CA$50/yrExtends the original manufacturer's warranty by up to 1 additional year on eligible items purchased with the card.
Other (1)
CIBC Pace It Installment Plan
Pay eligible purchases of $100+ in fixed monthly installments over 3, 6 or 12 months for a one-time interest fee (rates depend on term length).
How to track it
Add the CIBC Dividend Visa Card for Students to MaxWorth and every credit above appears with its cycle set; you get a push before each one expires and the card's annual-fee ROI runs from what you mark used. No Canadian bank account is ever connected. What MaxWorth covers for Canadian cards.
Other CIBC cards
- CIBC Aeroplan Visa Infinite Privilege · CA$599 · 18 benefits
- CIBC Aeroplan Visa Business Card · CA$180 · 13 benefits
- CIBC Aeroplan Visa Infinite Card · CA$139 · 12 benefits
- CIBC Aventura Gold Visa Card · CA$139 · 11 benefits
- CIBC Aventura Visa Infinite Card · CA$139 · 13 benefits
- CIBC Aeroplan Visa Business Plus Card · CA$120 · 14 benefits
- CIBC Aventura Visa Card for Business · CA$120 · 8 benefits
- CIBC Aventura Visa Card for Business Plus · CA$120 · 8 benefits
Source: the issuer's published terms, entered and verified by hand in the MaxWorth database; amounts in CAD. Methodology.