CIBC Dividend® Visa* Card  🇨🇦

CIBC Dividend® Visa* Card  🇨🇦
Welcome Bonus
Up to $100 cash back
Annual Fee
$0
  • No annual fee
Interest rates
Purchase Rates
20.99 %
Cash Advance Rates
22.99 %
21.99 % (QC)
Balance Transfer Rates
22.99 %
21.99 % (QC)

CIBC Dividend Visa classic front en
CIBC Dividend® Visa* Card
Up to $100 cash back
Apply Now

Offer

Welcome Offer: Get 5% cash back for the first 4 statements on net purchases of up to $2,000 (up to $100 cash back).

After that, get 2% cash back on eligible grocery purchases!

  • 1% cash back on eligible gas, EV charging, transportation, dining purchases and recurring payments
  • 0.5% cash back on all other purchases
  • Get cash back on demand – redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking®

Save on gas with CIBC and Journie Rewards

Link and use your CIBC Dividend Visa Card with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†

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. 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.

Fees & Conditions

Personal Income $15,000
Household Income $15,000
Annual Fee $0
First Additional Card $0
Foreign Transaction Fee 2.5%
Purchase Rates 20.99%
Cash Advance Rates 22.99%
Balance Transfer Rates 22.99%
Cash Advance Rate (QC) 21.99%
Balance Transfer Rates (QC) 21.99%

Value

Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Rewards Earned
Annual fee
Net value

Advantages

Welcome Bonus amount Up to $100 cash back
Minimum Spending Required $2,000
Minimum Spending Timeframe (Months) 4 month(s)

Earnings

Per dollar of purchases

All Spending 0.5 %
Groceries 2 %
Gas 1 %
Dining and Food delivery 1 %
Convenience Stores 0.5 %
Drugstores 0.5 %
Local Transport 1 %
Travel 0.5 %
Entertainment 0.5 %
Recurring Payments 1 %
Telecom/Internet 0.5 %
Streaming services 0.5 %
Online transactions 0.5 %
Office Supplies 0.5 %

Insurance

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$100,000
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
Price Protection

Our review

The CIBC Dividend® Visa* Card is one of the best no-fee Visa cashback credit cards in Canada.

For a limited time, earn 5% cash back (up to $100 cash back).

With this no annual fee CIBC Credit Card, you get:

  • 2% cash back on eligible grocery purchases
  • 1% cash back on eligible gas, EV charging, transportation, dining purchases and recurring payments
  • 0.5% cash back on all other purchases†

And this no-annual-fee CIBC Credit Card offers some insurance coverage:

  • $100,000 Common Carrier Accident Insurance
  • Purchase Security and Extended Protection Insurance

Frequently Asked Questions

Alternative Cards

  • Digital Exclusive Offer†
  • 4% cash back on gas, EV charging, and grocery purchases†
  • Visa Infinite Benefits
Learn More
Best Cash Back Credit Card in 2023

Welcome Offer: Get a first-year annual fee rebate and earn 10% cash back welcome bonus of up to $250 (first 4 statements)!

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 $25 through CIBC Online and Mobile Banking®

Save on gas with CIBC and Journie Rewards

Link and use your CIBC Dividend® Visa Infinite* Card with Journie Rewards to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.

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. 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

Terms and Conditions apply

Annual Fee
  • Primary card $120
  • Additional card $30
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries4%
  • Gas4%
  • Dining and Food delivery2%
Value
  • Year 1 $881
  • Year 2+ $391
Best For
Transfer Partners
  • Cash back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
10 day(s)
Travel medical insurance up to 64 years old
$5,000,000
10 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
  • No annual fee
  • Purchase Insurance
  • Free SPC+ membership
Learn More
Best student credit card in 2023

Welcome Offer: Get $50 cash back after you make your first purchase within the first 4 months!

Plus, earn 2% cash back on eligible grocery purchases!

  • 1% cash back on eligible gas, EV charging, transportation, dining purchases and recurring payments
  • 0.5% cash back on all other purchases
  • Get cash back on demand – redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking®

Get all the student-life essentials on a budget

Eligible student clients can get a free SPC+ membership, and receive over 450 deals on everyday purchases, bigger discounts, special experiences and exclusive giveaways. Start banking with CIBC and make student life more rewarding.

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. 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

Terms and Conditions apply

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries2%
  • Gas1%
  • Dining and Food delivery1%
Value
  • Year 1 $288
  • Year 2+ $238
Best For
Transfer Partners
  • Cash back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$100,000
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

Welcome Offer: Join and get up to $100 in value for no annual fee.

Here’s how it adds up:
  • Get up to 10,000 Aventura Points (up to $100 in travel value)
    • 2,500 Aventura Points when you complete all five activities within 60 days of your CIBC Aventura® Visa* account approval.
    • 7,500 Aventura Points after you make your first purchase within first 4 months.
  • Redeem your Aventura points for more than travel with our Shop With Points/Pay with Points features
  • Travel local – Aventura points can be redeemed for more than just flights – use your points for hotels and car rentals for a weekend getaway
  • 1 point for every $1 spent on travel purchased through the CIBC Rewards Centre
  • 1 point for every $1 spent at eligible gas stations, EV charging, grocery stores and drug stores
  • 1 point for every $2 spent on all other purchases

Save on gas with CIBC and Journie Rewards

Link your CIBC Aventura® Visa* Card to Journie Rewards and use it to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.

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. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Aventura card within the last 12 months.

Legal

Terms and Conditions apply

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $15,000
  • Household $15,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries1Point
  • Gas1Point
  • Drugstores1Point
Value
  • Year 1 $314
  • Year 2+ $194
Best For
Transfer Partners
  • CIBC Aventura

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$100,000
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
4.1 Milesopedia Rating