CIBC Dividend® Visa Infinite* Card

CIBC Dividend® Visa Infinite* Card

CIBC's best cash back credit card.

Get a 10% cashback welcome bonus (up to $200)†

Welcome Bonus

up to $200 cash back

Value

$200

Best For

Annual Fee

$120First Year Annual Fee Rebate (terms apply)

Purchase Rates

19.99 %

Cash Advance Rates

22.99 %

Balance Transfer Rates


Our Review

The CIBC Dividend® Visa Infinite* Card is one of the best Visa credit cards with cash back in Canada. The minimum annual income required for this card is $60,000 (personal) or $100,000 (household).

With the CIBC Dividend® Visa Infinite* Card, you 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†

Currently, you will get 10% cash back for the first 4 statements on total purchases of up to $2,000. And you’ll get a first-year annual fee rebate!

And this card has comprehensive insurance:

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

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 total purchases of up to $2,000†.

After that, get cash back on eligible gas and grocery purchases.†

  • 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 Chevron, Ultramar and Pioneer gas stations.†
  • 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®†
  • Ongoing Purchase APR: 19.99%†
  • Cash Advance APR: 22.99% (21.99% QC only)

Fees & Conditions

Personal Income $60,000
Household Income $100,000
Annual Fee $120
First Year Annual Fee Rebate
First Additional Card $30
Other Additional Card $30
Foreign Transaction Fee 2.5%
Purchase Rates 19.99%
Cash Advance Rates 22.99%
Cash Advance Rate (QC) 21.99%

Advantages

Welcome Bonus up to $200 cash back
Rewards Type Cash Back
Transfer Partners Cashback
Loyalty Program Cashback
Online transactions 1
AIR MILES partners 1
Air Canada 1
Streaming services 1
Concierge

Value

Value

For all credit card offers, we estimate the value of the first year’s offer based on:

  • 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)
  • This calculation is made by milesopedia
Calculation of the offer value
for the first year
Value in points (according to milesopedia) 1.0 ¢
Welcome bonus $200
Estimated value $200

Insurance

Purchase Protection
Extended Warranty
4.75 Milesopedia Rating