CIBC Dividend® Visa* Card

CIBC Dividend® Visa* Card

Welcome Bonus

Up to $100 cash back

Best For

Value
Year 1

$375

Years 2 and +

$275

Annual Fee

$0

Interest rates
Purchase Rates

20.99 %

Cash Advance Rates

22.99 %

21.99 % (QC)

Balance Transfer Rates

Your Monthly Spending

Offer

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:

  • 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®
  • Save on gas with CIBC and Journie Rewards Link your CIBC Dividend® Visa* Card to Journie Rewards and use it to automatically save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations†.
  • 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%

Value

Year 1
Years 2 and +
Welcome bonus
0 $
Annual credit
Travel benefits
VIP Lounges
First-Year Offer Value
Accumulated rewards
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 2 %
Dining and Food delivery 2 %
Convenience Stores 0.5 %
Drugstores 0.5 %
Local Transport 2 %
Travel 0.5 %
Entertainment 0.5 %
Recurring Payments 0.5 %
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 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

Other Insurance

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