CIBC Dividend® Visa* Card

CIBC Dividend® Visa* Card

CIBC's best no-fee cash back credit card.

Get 5% cash back for the first 4 statements (Up to $100 cash back)†

Welcome Bonus

Up to $100 cash back

Value

$100

Best For

Annual Fee

$0

Purchase Rates

20.99 %

Cash Advance Rates

22.99 %

21.99 % (QC)

Balance Transfer Rates


Offer

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

After that, get 2% cash back on eligible grocery purchases and up to 1% on everyday purchases like books, movies, food and more†!

  • 2% cash back on eligible grocery purchases
  • 1% cash back on eligible gas, 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®
  • Ongoing Purchase APR: 20.99%†
  • Cash Advance APR: 22.99% (21.99% QC only)

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%
Cash Advance Rate (QC) 21.99%

Advantages

Welcome Bonus Up to $100 cash back
Minimum Spending Required $2,000
Minimum Spending Timeframe 120 day(s)
Rewards Type Cash Back
Transfer Partners Cashback
Loyalty Program Cashback
All Spending 0.5
Travel 0.5
Local Transport 2
Dining and Food delivery 2
Groceries 2
Convenience Stores 0.5
Gas 2
Drugstores 0.5
Office Supplies 0.5
Telecom/Internet 0.5
Entertainment 0.5
Online transactions 0.5
AIR MILES partners 0.5
Air Canada 0.5
Streaming services 0.5
Recurring Payments 0.5

Value

Value
We estimate the value of the welcome offer during the first year for all the credit card offers. Are taken into consideration:

  • The value of cash back or points earned
  • The value of the benefits or credits earned with the Card
  • The annual fee value (offered or not)

More info on our points and miles evaluation page.

Insurance

Purchase Protection
Extended Warranty
4.1 Milesopedia Rating