This student version of the Dividend Visa Card is quite similar to the regular Dividend card. But is available exclusively to students in post-secondary education. Though it has the same cash back structure as the regular Dividend Visa Card, its welcome offer is slightly different. New cardholders get an easy $30 in cash back after making their first purchase. As a matter of fact, this article will be focusing on CIBC Students Credit Card
The CIBC Dividend Visa Card for Students is a no-fee credit card. It is from the CIBC student credit card lineup and is specifically tailored to students who have low/no income.
It earns post-secondary students cash back on all purchases. There is no annual income required and the card will pay up to 2% cash back on grocery purchases and up to 1% cash back on everything else.
IBC appears to be one of the few banks where students are actually given preferential treatment. The welcome bonus that comes with this student version of the Dividend card makes the card perhaps even more appealing than the regular version.
With the regular version, it can take up to $600 in spending to earn that $30 in cash back during the welcome period. Plus it has the added advantages of SPC membership (normally $10 per year) and cardholders can register for a chance to win up to $35000 in-tuition. Overall it’s one of the strongest student cards in Canada
Pros of CIBC Dividend Visa Credit Card
The following are the list of possible pros of having this credit card in your wallet.
====> It is easy to earn a welcome bonus on CIBC Student Visa
====> Can book with any airline with no blackout periods and points don’t expire on CIBC Credit Card
====> You will earn points on all purchases made through CIBC Credit Card
Cons of CIBC Students Credit Card
====> Lower earn rate than some other travel cards on the market
CIBC Student Credit Card Cash Back Reward
Here are the actual details on the cash back as it is not as cut and dry as most non-student cards
====> You earn 1% cash back on all other purchases over $6000 via your CIBC credit card
====> You will earn 2% cash back on your first $6000 worth of groceries using credit cards for students
====> You earn 0.5% cash back on your first $6000 of all other purchases via CIBC Visa
It feels like there are some more restrictions to getting the higher rates of cash back, but this is a student card so likely we are talking about little to no income.
Key Features on CIBC Dividend Students Visa Card
The following features make it stand out among other CIBC Students credit card.
====> You will enjoy a $30 cash back welcome bonus offer after first purchase on CIBC Student Credit Card
====> This CIBC credit card has a$0 annual fee, this is a good one
====> You will enjoy free SPC membership for discounts at over 450 brands, this is a special feature
====> You earn rates of 2% cash back on groceries, 1% back on transportation, dining, and recurring payments, and 0.5% back on everything else
Benefits of CIBC Students Credit Card
The CIBC Dividend Visa Card for Students has the following amazing benefits, just read up as you explore these benefits.
====> Student credit card Canada award $100000 Common Carrier Accident Insurance for students
====> Purchase Security and Extended Protection Insurance is also enjoyable through CIBC credit card
====> On this credit card for the student(s), there is no limit on the total cash back you can earn
====> CIBC Student Visa helps establish your credit history
CIBC Students Credit Card Application Process
With what you have exploring about CIBC credit card, you have made up your mind to apply for this credit card. This part of the article will guide you on the application process.
Step 1 ====> You need to visit CIBC Students Credit Card official web page
Step 2 ====> On the page, locate and click on Apply Now button
Step 3 ====> After clicking on the button, you will be redirected to another page
Step 4 ====> On this page, scroll down and check box credit Bureau authorization. Scroll to the bottom and click next to continue the application process
Step 5 ====> Now click on I agree button
Step 6 ====> From here follow the onscreen instruction to complete the application process
Once you follow the onscreen instructional guide, you should be able to complete your application process. Now, we believed you have completed the application process. We will move to the next line of action, keep reading and enjoy exploring more on CIBC credit card.
CIBC Students Credit Card Login Guide
Once you set up your online account, you need to log in before you can do anything in your account. This part of the article will run through the complete process to login into your online account.
Step 1 ====> You need to Visit CIBC Visa Card official website
Step 2 ====> On the page, locate Colum to enter your login details
Step 3 ====> Now enter Dividend login details (username and password) in the space provided
Step 4 ====> Finally, click on the login button to access your account.
NOTE: If you enter the correct login details in the space provided, you will access your online account without any issues, if otherwise, you will not be able to access your online account.
Reset or Recover CIBC Credit Card Login Details
Sometimes, we forget the login details of our account. We get furious at our self, for this reason, this part of the article will guide you to recover CIBC Dividend Students Visa card login details. The process is very simple and easy to go about.
Step 1 ====> You need to Visit CIBC Credit Card official website
Step 2 ====> On the page, look just above the login button
Step 3 ====> Click whatever login detail you are to reset or recover
Once you click on the username link, another page will come up. Now enter your registration email address and primary phone number in the space provided. Click the submit button to complete the process.
If you have any issue with the account password, click on the password link on the login page. Enter your account username and primary phone number in the space provided and click submit button to recover the CIBC Students Credit card password.
This CIBC student credit card is a decent option for students. The bottom line? As a student, it can be hard to get credit, let alone a card that will give you rewards.
This card has no income requirements and I think it’s got pretty decent cash back. Even if you are only earning 0.5% cash back on the majority of your purchases, you are still ahead of the game.