BMO® CashBack Mastercard®
4.3·No-fee grocery cash back — a great first or student card
- Annual fee
- No annual fee
- Welcome bonus
- ~$125
- Top reward
- 3% groceries
- Strong no-fee grocery rate
- Easy approval, good for students
studenttravelno fee
CIBC® Aventura® Visa® Card for Students review
3.5Rated by the CreditCardGuru Editorial Team
One of the better student cards in Canada thanks to the SPC+ perk and welcome points, even if earn rates are modest.
At a glance
- Annual fee
- No annual fee
- Welcome bonus
- ~$125
- Foreign tx fee
- 2.5%
- Network
- VISA
- Rewards
- points
- Purchase APR
- 21.99%
Rewards & earn rates
| Gas & EV charging | 1x |
| Groceries | 1x |
| Drug stores | 1x |
| Travel via CIBC Rewards Centre (CIBC by Expedia) | 1x |
| Everything else1 point per $2 spent | 0.5x |
Welcome offer: Up to 12,500 Aventura Points (up to $125 in travel value) (2,500 points for completing five onboarding activities within 60 days; 10,000 bonus points with $1,000 in net purchases in first 4 statement periods).
Pros & cons
Pros
- No income requirement makes approval accessible for students
- Free SPC+ membership adds real student value
Cons
- Low 0.5x base earn rate
- Sparse insurance coverage
Perks & insurance
Key perks
- No annual fee and no minimum income requirement
- Free SPC+ membership with discounts at 450+ brands
- Builds credit history while earning travel points
- Credit limit up to $5,000 for Canadian students
- Points never expire while the account is open
Insurance
- Common carrier accident ($100,000)
- Purchase security and extended protection
Rates & fees
- Annual fee
- None
- Purchase interest
- 21.99%
- Cash advance
- 22.99%
- Foreign transactions
- 2.5%
Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team
Similar cards to consider
Scotiabank® Scene+® Visa® Card
4.0·No-fee Scene+ points — a solid first or student card
- Annual fee
- No annual fee
- Welcome bonus
- ~$50
- Top reward
- 2x groceries (sobeys group)
- No-fee Scene+ earning
- Good for groceries and movies
Disclaimer: This page is for informational purposes only and does not constitute financial, tax or legal advice. Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions. CreditCardGuru may earn a commission from cards featured on this site; this never influences our editorial ratings. See our advertiser disclosure.
Written by
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CreditCardGuru Editorial Team
Rewards & Cards Research
Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.
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Cite this page
“CIBC® Aventura® Visa® Card for Students Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/cibc-aventura-visa-students, updated June 7, 2026.