CIBC Dividend® Visa Infinite* Card

CIBC Dividend Visa infinite front en
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Conditions apply
Best Cash Back Credit Card

CIBC Dividend® Visa Infinite* Card

Welcome Bonus

Up to $250 cash back

Best For

Value
Year 1

$881

Years 2 and +

$391

Annual Fee

$120

First Year Annual Fee Rebate (terms apply)
Interest rates
Purchase Rates

20.99 %

Cash Advance Rates

22.99 %

21.99 % (QC)

Balance Transfer Rates

22.99 %

21.99 % (QC)

Best Cash Back Credit Card
Your Monthly Spending

Offer

Offer

Get a first-year annual fee rebate for you and up to three Authorized Users† and 10% cash back for the first 4 statements on net purchases of up to $2,500.†

After that, get 4% cash back on eligible gas 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 automatically 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, you must apply for a new eligible card using the “Apply Now” link available on this webpage.†

Card Awards

Best Cash Back Credit Card
Best Cash Back Credit Card Grocery
Best Visa Cash Back Credit Card for Gas & Transit

Fees & Conditions

Personal Income $60,000
Household Income $100,000
Annual Fee $120
First Year Annual Fee Rebate
First Additional Card $30
First Year Annual Fee Rebate - First Additional Card
Other Additional Card $30
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

Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First Year Annual Fee Rebate
-
First year offer value
Accumulated rewards
Annual fee
Net value

Advantages

Welcome Bonus amount Up to $250 cash back
Minimum Spending Required $2,500
Minimum Spending Timeframe (Months) 4 month(s)
Concierge

Earnings

Per dollar of purchases

All Spending 1 %
Groceries 4 %
Gas 4 %
Dining and Food delivery 2 %
Convenience Stores 1 %
Drugstores 1 %
Local Transport 2 %
Travel 1 %
Entertainment 1 %
Recurring Payments 1 %
Telecom/Internet 1 %
Streaming services 1 %
Online transactions 1 %
Office Supplies 1 %

Insurance

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

Other Insurance

Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
$1,000
1 year
Price Protection
4.75 Milesopedia Rating