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Pros & Cons
Pros
- +First Year Annual Fee Rebate ($120 annual fee rebated)
- +Welcome Bonus: Up to $300
- +Up to 4x on gas & EV charging
Cons
- –Foreign Transaction Fee (2.5%)
- –No airport lounge access despite fee
Our Review
The CIBC Dividend® Visa Infinite* Card is one of Canada’s best Visa cash back credit cards.
With this offer, get up to $400 in value:
- A 10% cash back welcome bonus of up to $250 (first 4 statements)
- A $50 cash back when setting up a pre-authorized payment (first 4 months)
- A first year annual fee rebate (worth $120)
With this CIBC cash back credit card, you earn:
- 4% cash back on eligible gas, electric vehicle charging, and grocery purchases†
- 2% cash back on eligible transportation and dining purchases and on eligible recurring bill payments†
- 1% cash back on all other purchases†
For example, if you spend $1,000 per month on groceries and/or gas and/or electric vehicle charging, you’ll earn $40 cash back per month or $480 cash back per year with this card for this category of purchases!
This CIBC cash back credit card offers many insurance coverages:
- Auto Rental Collision/Loss Damage Insurance
- $500,000 Common Carrier Accident Insurance
- Out-of-Province Emergency Travel Medical Insurance
- Purchase Security and Extended Protection Insurance
Rewards
All Spending
1x
Cash Back pts per dollar
Gas
4x
Cash Back pts per dollar
Groceries
4x
Cash Back pts per dollar
Restaurants
2x
Cash Back pts per dollar
Recurring
2x
Cash Back pts per dollar
Transit
2x
Cash Back pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$702
$/yr
Estimated Value
$702
After Fees
+$702
1st Year Value
$1,002
incl. welcome bonus
Annual rewards breakdown
- Earn $250 Cash Back
- Earn $50 Cash Back
First-year advantages
- $120
Perks & Benefits
Concierge Service
24/7
Travel Insurance
Travel medical (under 55)
Up to $5,000,000 / 10 days
Travel medical (55-64)
Up to $5,000,000 / 10 days
Travel Accident
Up to $500,000
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Mobile Device
Up to $1,000 / 2 year(s)
Auto Rental
Up to $65,000 / 48 days
Fees and interest rates
- Annual Fee$120
First Year Annual Fee Rebate
- Additional card fee$50
First Year Annual Fee Rebate
- Foreign currency conversion fee2.5%
- Purchase Rate21.99%
- Balance transfer rate22.99%Quebec21.99%
- Cash advance rate22.99%Quebec21.99%
Eligibility
Personal Income
$60,000
Household Income
$100,000
Terms & Conditions
Card Features
Welcome Offer: Join and earn over $400 in value including a first year annual fee rebate.†
Here’s how you can earn over $400 in value:
- Earn a 10% cash back welcome bonus of up to $250 (first 4 statements†)
- A $50 cash back bonus for setting up one pre-authorized payment within the first 4 monthly statements.†
- First year annual fee rebate valued at $120.†
After that, get 4% cash back on eligible gas, EV charging, and grocery purchases.†
- 2% cash back on eligible transportation, dining purchases and recurring payments†
- 1% cash back on all other purchases†
- Get cash back on demand – redeem your cash back at any time when you have a minimum of $10 through CIBC Online and Mobile Banking®†
Get a free Skip+ membership when you link your eligible CIBC credit card
Plus, enjoy $0 delivery fees and earn a $10 monthly voucher.†
Fuel up for less
Link your card with Journie Rewards to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
Get 50% off Disney+ for 6 months
Use an eligible CIBC credit card to pay for your Disney+ Standard with Ads subscription, and automatically receive $4.50 each month in statement credits.†
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.†
Legal
This is a digital-exclusive offer.† To be eligible for this offer: 1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and 2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you. † This offer is reserved for you. Please do not forward it to anyone else.
This offer is reserved for you. Please do not forward it to anyone else. 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.†
† Terms and conditions apply. Click on Apply Now to learn more.
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FAQ
What is the cash back rate on grocery and gas purchases with the CIBC Dividend® Visa Infinite* Card?
The CIBC Dividend® Visa Infinite* Card offers 4% cash back on eligible gas, electric vehicle charging, and grocery purchases.
How are cash back for other CIBC Dividend® Visa Infinite* Card purchase categories distributed?
The CIBC Dividend® Visa Infinite* Card offers 2% cash back on eligible transportation and dining purchases, as well as on eligible recurring bill payments, and 1% cash back on all other purchases.
How can I redeem my cash back with the CIBC Dividend® Visa Infinite* Card?
You can redeem your cash back at any time, provided you have a balance of at least $10, via CIBC Online Banking or CIBC Mobile Banking.
How to save on gas with the CIBC Dividend® Visa Infinite* Card and Journie Rewards?
By linking your CIBC Dividend® Visa Infinite* Card to Journie Rewards, you can save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar, and Chevron gas stations.
How to link the CIBC Dividend® Visa Infinite* Card? to Journie Rewards to save on gas?
To save on gas, link your CIBC Dividend® Visa Infinite* Card? to Journie Rewards and use it at participating gas stations to get the discount.
What is the cashback percentage on recurring payments with the CIBC Dividend® Visa Infinite* Card?
The CIBC Dividend® Visa Infinite* Card offers 2% cash back on eligible recurring bill payments.
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 CIBC. All trademarks are property of their respective owners.