◊NO PURCHASE OR PRODUCT NECESSARY. Open October 15, 2026 to October 30, 2026 to eligible current students who are legal residents of Canada 16 years of age or older. Thirty (30) prizes available to be won, consisting of a voucher redeemable for a Nintendo Switch 2 Console. The total approximate retail value of all Prizes is $20,370 CAD. Random draws on November 16, 2026. Odds of winning depend on the number of eligible entries. Math skill-testing question required. Parental consent required if participation is a minor. See full contest rules.
‡ Cash reward offer begins on October 01, 2026, 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 60 days from (and including) the date of opening the account, earn a $125 cash reward when you complete 5 eligible Visa* Debit purchases. 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 terms and conditions.
†CIBC Smart® Account Refer-a-Friend $50 cash reward (the “Reward”) 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 or 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, have not held (or jointly held) 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 Smart Account for Apprentices (each an “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, 110 KB) Opens a new window.
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 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 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, 110 KB) Opens a new window.
1 You can qualify for this offer if you apply and are approved for a new CIBC Dividend® Visa* Card for Students beginning on July 16, 2026.
If you apply and are approved for a new CIBC Dividend® Visa* Card for Students, you will receive $25 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.
Offer applies to newly approved card accounts only. Transfers and product changes from other CIBC credit cards are excluded from this offer. 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. 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.
2 You can qualify for this offer if you apply and are approved for a new CIBC Adapta™ Mastercard ® for Students beginning October 1, 2026.
If you apply and are approved for a new eligible card, you can receive:
i. A welcome bonus of 3,000 Adapta Points when you make your first purchase within the first 4 monthly statement periods.
ii. An additional bonus of 9,000 Adapta Points if you have at least $1,000 in net purchases posted to your account during the first 4 monthly statement periods.
iii. Plus, get a 3,000 Adapta Points bonus for setting up your first recurring bill payment and payment is posted within the first 4 monthly statements.
The up to $280 in value is based on the combined total value for 15,000 Adapta Points redeemed towards select CIBC financial products ($125 value), and Roadside Assistance ($50 value), and a first year value of $110 for a Skip+ membership.. If you choose to redeem 15,000 Adapta Points as payment to your outstanding credit card balance, the total value of the redemption will be $100.
To qualify for a 3,000 Adapta Points bonus, the primary cardholder must set up one (1) recurring bill payment within the first four (4) monthly statements. Recurring bill payments are automatically billed by a specific merchant to your credit card account on a regular basis (annually, monthly, biweekly, or weekly). If the payment is not set up as a recurring bill payment and the first payment is not posted to your account within the first four (4) monthly statements, it will not qualify for this offer. Please allow 8 to 12 weeks after the first recurring bill payment is posted for the Adapta Points to appear on your credit card account. Authorized users are not eligible for this offer. The credit card account must be open and in good standing at the time the Adapta Points is awarded. Limit of one 3,000 Adapta Points bonus per account. Existing terms of your credit card account continue to apply. This offer is non-transferable and cannot be combined with any other offer. This offer may be withdrawn or changed without prior notice at any time. 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.
Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Adapta™ Mastercard ® are excluded. Card account must be open and in good standing at the time the bonus Adapta Points are awarded. Adapta Points are awarded to you within 8 weeks after all qualifying purchase(s) are posted to your Credit Card Account, less all returns and credits. For this offer, the following do not qualify as purchases: Cash advances, CIBC Global Money Transfers™, optional credit card insurance premiums, fees, interest, balance transfers, payments, CIBC Convenience Cheques, adjustments or Adapta Points redemptions. It may take up to several business days for purchases to be posted to your account. 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 Adapta™ 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.
