CIBC Dividend® Visa* Card  🇨🇦

Welcome Bonus
Get 9.99% Purchase and 20.99% Cash annual interest rate for 10 months
  • No annual fee
Annual Fee
$0
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
Get 9.99% Purchase and 20.99% Cash annual interest rate for 10 months
Apply Now

Offer

Welcome offer: Get 9.99% Purchase and 20.99% Cash annual interest rate for 10 months.

Plus, 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%

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 an annual interest rate of 9.99% on purchases and 20.99% on cash for 10 months.

Plus, 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

This no-annual-fee CIBC credit card offers certain insurance coverages:

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

Frequently Asked Questions

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