CIBC Dividend® Visa Infinite* Card

Welcome Bonus
Up to $300 cash back
  • First Year Annual Fee Rebate
  • Digital Exclusive Offer†
  • 4% cash back on gas, EV charging, and grocery purchases†
Annual Fee
$120
First Year Annual Fee Rebate (terms apply)
Interest rates
Purchase Rates
21.99%
Cash Advance Rates
22.99%
21.99% (QC)
Balance Transfer Rates
22.99%
21.99% (QC)
The Best CIBC Credit Cards – May 2026 - 2025 Milesopedia Awards Best Cashback Credit Card
CIBC Dividend® Visa Infinite* Card
CIBC Dividend® Visa Infinite* Card
Up to $300 cash back
Apply Now

Offer

Welcome Offer: Join and earn over $400 in value including a first year annual fee rebate.

Here's how you can earn over $400 in value:

  • Earn a 10% cash back welcome bonus of up to $250 (first 4 statements)
  • A $50 cash back bonus for setting up one pre-authorized payment within the first 4 monthly statements.
  • First year annual fee rebate valued at $120.

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 $10 through CIBC Online and Mobile Banking®

Get a free Skip+ membership when you link your eligible CIBC credit card

Plus, enjoy $0 delivery fees and earn a $10 monthly voucher.

Fuel up for less

Link your card with Journie Rewards to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.

Card Awards

The Best CIBC Credit Cards – May 2026 - 2025 Milesopedia Awards Best Cashback Credit Card
Milesopedia's Best Credit Cards in Canada for 2024 - CashBack BestCreditCard Milesopedia 2024
Best Credit Cards in Canada in 2023 - Best Cash Back Credit Card
Ranking of the Best Credit Cards in Canada in 2022 - Best Cash Back Credit Card
Ranking of the Best Credit Cards in Canada in 2022 - Best Grocery Cash Back Credit Card
Ranking of the Best Credit Cards in Canada in 2022 - Best Visa Gas and Transportation Cash Back Credit Card

Fees & Conditions

Personal Income $60,000
Household Income $100,000
Annual Fee $120
First Year Annual Fee Rebate
First Additional Card $50
First Year Annual Fee Rebate - First Additional Card
Other Additional Card $50
Foreign Transaction Fee 2.5%

Value

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

Advantages

Welcome Bonus amount Up to $300 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 2 %
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

This section sets out the maximum coverage amounts or periods. Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.

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
Insurance Document

Our review

The CIBC Dividend® Visa Infinite* Card is one of Canada’s best Visa cash back credit cards.

With this offer, get up to $400 in value:

  • A 10% cash back welcome bonus of up to $250 (first 4 statements)
  • A $50 cash back when setting up a pre-authorized payment (first 4 months)
  • A first year annual fee rebate (worth $120)

With this CIBC cash back credit card, you earn:

  • 4% cash back on eligible gas, electric vehicle charging, and grocery purchases
  • 2% cash back on eligible transportation and dining purchases and on eligible recurring bill payments
  • 1% cash back on all other purchases

For example, if you spend $1,000 per month on groceries and/or gas and/or electric vehicle charging, you’ll earn $40 cash back per month or $480 cash back per year with this card for this category of purchases!

This CIBC cash back credit card offers many insurance coverages:

  • Auto Rental Collision/Loss Damage Insurance
  • $500,000 Common Carrier Accident Insurance
  • Out-of-Province Emergency Travel Medical Insurance
  • Purchase Security and Extended Protection Insurance

Frequently Asked Questions

Alternative Cards

4.75

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