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Canada · personal card · CIBC

CIBC Classic Visa Card review

No-annual-fee basic card with 90-day purchase protection and no rewards.

By · Card data read October 7, 2026 · How we rank Canadian cards

Apply on issuer siteTerms apply
CIBC Classic Visa Card

Key facts

Issuer
CIBC
Network
Visa
Annual fee
$0
Foreign transaction fee
2.5%
Minimum personal income
Not stated
Minimum household income
$15,000
Available in Quebec
Not stated

Perks

CIBC Pace It installment plans; gas savings via Journie Rewards

How we put this page together

Every figure here was read on CIBC’s own page on October 7, 2026; fields the page did not state are shown as “not stated” rather than estimated. The net value estimate uses the method on our Canada methodology. Card rules and your rights as a cardholder: FCAC. Note: Purchase/cash APR not shown in static HTML (page placeholder filled by script) so left null. FX fee not stated. FX fee read on issuer document: https://www.cibc.com/content/dam/cibc-public-assets/personal-banking/credit-cards/documents/cibc-creditcard-annual-interest-rate-fees-11995-en.pdf

Frequently asked questions

What is the annual fee on the CIBC Classic Visa Card?

$0, as read on CIBC’s website on October 7, 2026.

Is there a foreign transaction fee on the CIBC Classic Visa Card?

The issuer states a 2.5% foreign currency conversion fee.

What income do I need for the CIBC Classic Visa Card?

The issuer states a minimum household income of $15,000.

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Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.