◊◊ NO PURCHASE NECESSARY. Open January 1 to December 31, 2026 to legal residents of
Canada who (i) are 16 years of age or older in their province or territory of residence and have
received the permission of a parent or legal guardian; (ii) are currently registered students in
good standing at an accredited Canadian university, college, CEGEP or high school. One (1)
Grand Prize available to be won consisting of: a $8,750 cheque; one (1) 1-year GIC in the
amount of $8,750; one (1) 2-year GIC in the amount of $8,750 and one 3-year GIC in the
amount of $8,750 (approx. retail value: $35,000). Odds of winning depend on number of entries
received. Math skill-testing required. Full rules
‡ Cash reward offer begins on November 20, 2025, at 12:01 am ET. Offer available to residents of Canada and international students who meet the eligibility requirements for the CIBC Smart Start or CIBC Smart for Students benefit and, from 2022 to the time of opening the account, are not holders or joint holders of a CIBC chequing account, all as determined by CIBC in its sole discretion. To qualify for this offer, open a CIBC Smart™ Account with Smart Start or Smart for Students benefits. Within 2 months after the month of opening the account, earn a $125 cash reward when you complete 5 eligible Visa* Debit purchases within the same calendar month. Eligibility of transactions will be determined by CIBC in its sole discretion. This offer can be combined with the CIBC Refer-a-Friend Program. Offer cannot be combined with any other chequing account offer, reward or rebate unless otherwise indicated by CIBC. The cash reward will be deposited into your account within 7 months after the month that you have opened the account. Other conditions apply. Review the review the terms and conditions (PDF, 135 KB)Opens a new window.
††You can qualify for this offer if you apply and are approved for a new CIBC Dividend® Visa* Card for Students beginning December 10, 2025. If you apply and are approved for a new CIBC Dividend® Visa* Card for Students, you will receive $50 cash back if you make your first purchase within the first 4 monthly statement periods. Plus, you will receive 10% cash back on the net purchases posted to your account within the first 4 monthly statement periods or $1,000 in total net purchases (equal to $100 cash back), whichever comes first.
Regular cash back rate(s) do not apply on purchases on which the promotional rate of 10% applies. Cash back is earned on purchases less returns and credits. For this offer, the following do not qualify as purchases: cash advances, CIBC Global Money Transfers™, interest, fees, balance transfers, payments or CIBC Convenience Cheques. Promotional cash back will appear on your statement no later than 8 weeks after the end of the fourth monthly statement period.
Cash back is awarded at the end of the year as a credit on your December statement.
Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Dividend® Visa* Card for Students are excluded. This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. 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 may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion.
† Cash reward offer begins on November 20, 2025, at 12:01 am ET. Offer available to residents of Canada and international students who meet the eligibility requirements for the CIBC Smart Start or CIBC Smart for Students benefit and, from 2022 to the time of opening the account, are not holders or joint holders of a CIBC chequing account, all as determined by CIBC in its sole discretion. To qualify for this offer, open a CIBC Smart™ Account with Smart Start or Smart for Students benefits. Within 2 months after the month of opening the account, earn a $125 cash reward when you complete 5 eligible Visa* Debit purchases within the same calendar month. Eligibility of transactions will be determined by CIBC in its sole discretion. This offer can be combined with the CIBC Refer-a-Friend Program. Offer cannot be combined with any other chequing account offer, reward or rebate unless otherwise indicated by CIBC. The cash reward will be deposited into your account within 7 months after the month that you have opened the account. Other conditions apply. Review the review the terms and conditions (PDF, 135 KB) Opens a new window.
◊ CIBC Smart™ Account Refer-a-Friend $50 Reward Offer (the “Offer”) is part of the CIBC Smart™ Account Refer-a-Friend Program (the “Program”). To be eligible as a referrer (a “Referrer”), individuals must: (i) be residents of Canada, (ii) have reached the age of majority in their province and territory of residence, (iii) hold a CIBC Canadian dollar chequing or savings account that is open, active and in good standing, and (iv) have registered for CIBC mobile or online banking. To be eligible as a friend (a “Friend”), an individual must: (i) at the time of account open, not be a holder (or joint holder) of a CIBC Smart™ Account as determined by CIBC on the basis of its official records, (ii) have a personal or family relationship with the Referrer, and (iii) meet the eligibility requirements to open an eligible CIBC Smart Account including CIBC Smart Account, CIBC Smart Start, CIBC Smart for Students, CIBC Smart Account for Newcomers, CIBC Smart for Seniors or CIBC (the “Account”). To qualify to receive a $50 referral reward (the “Reward”), a Referrer must refer a Friend and the Friend must open an eligible Smart Account and complete all qualifying actions in accordance with the CIBC Smart Account Refer-a-Friend Program Terms (PDF, 170 KB). Limit of one (1) Reward payable to a Referrer per qualifying Friend and one (1) Reward payable to a qualifying Friend, regardless of how many CIBC Smart accounts are opened by the Friend. Referrer may receive up to fifty (50) Rewards per calendar year. Referrals containing the “Refer and Earn” link must be created and distributed in a personal manner that is appropriate and customary for communications with friends and family members and must not appear to be sent by or on behalf of CIBC. Bulk email distribution, distribution to strangers, or individuals with whom the Referrer does not have a personal or family relationship may be grounds for immediate termination from the referral program, revocation of Rewards and further legal action by CIBC. CIBC reserves the right to end, cancel, change or suspend this Offer or the Program, or change these terms for any reason without notice. Other conditions apply. To learn more, refer to the CIBC Smart Account Refer-a-Friend Program Terms (PDF, 170 KB).
