CIBC Dividend Visa Infinite: Supplementary Card Fees Rise to $50
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CIBC is raising the annual fee for each supplementary card on the CIBC Dividend® Visa Infinite* Card from $30 to $50, a 66% increase in effect since August 1, 2026. For a family sharing a card with a spouse and an adult child, the bill for additional cards goes from $60 to $100 per year at renewal. No press release accompanied this change: it came through the account change notice sent to cardholders.
The New Supplementary Card Pricing
CIBC documented this increase in its notice on upcoming changes to your CIBC credit card account, as well as in the updated cardholder agreement, in effect since August 1, 2026. This is a pricing grid update, not a public announcement.
- The supplementary cardholder fee (authorized to use the primary cardholder’s account) rises from $30 to $50 per card, per year.
- The maximum number of supplementary cards remains unchanged, at 3 cards per account.
- The primary cardholder’s annual fee stays at $120, refunded the first year under the current welcome offer.
- As before the increase, the fee for supplementary card(s) is refunded the first year for a new account. The impact is mostly felt at renewal.
This $50 fee is not unique to CIBC: it’s the standard amount at several major Canadian banks for a supplementary card, including RBC (Avion Visa Infinite Card) and Scotiabank (Momentum Visa Infinite+ Card). CIBC was previously behind this rate at $30; the increase brings it in line with the market rather than setting it apart.
The Impact by Number of Cards
The increase is proportional to the number of active supplementary cards on the account. Here’s the annual bill, before and after August 1, 2026:
| Supplementary cards | Before ($30/card) | After ($50/card) | Annual increase |
|---|---|---|---|
| 1 card | $30 | $50 | +$20 (+66%) |
| 2 cards | $60 | $100 | +$40 (+66%) |
| 3 cards (maximum) | $90 | $150 | +$60 (+66%) |
For a typical family, a spouse sharing the card and a child in post-secondary studies with their own supplementary card, that’s 2 additional cards. The bill goes from $60 to $100 per year, or $40 more at each renewal, on top of the primary cardholder’s $120 annual fee.
Card Value Based on Spending
The card’s value varies depending on how the supplementary cards are used.
The CIBC Dividend® Visa Infinite* Card pays 4% cash back on groceries, gas and EV charging stations, 2% on transit, dining and recurring payments, and 1% on everything else, with no annual cap. On combined spending of $1,000 a month on groceries and gas, the 4% rate earns about $480 a year ($12,000 × 4%), regardless of which card on the account made the purchase. A family spending $1,500 a month in those categories instead earns about $720 a year ($18,000 × 4%). Either way, the increase in supplementary card fees ($20 to $60 a year depending on the number of cards) is marginal against the cash back earned.
The math is different for a supplementary card used mainly to track separate purchases rather than to earn cash back. In that case, the increase adds up with nothing to offset it.
- A cash back card with no annual fee and no supplementary card fee, like the Tangerine® Money-Back World Mastercard®*, for a family that mainly wants to give everyone their own card without a recurring cost.
- Stick with the CIBC Dividend® Visa Infinite* Card if spending eligible for the 4% rate largely exceeds $480 to $720 a year, which absorbs the increase without effort.
- Annual feeNo annual fee the first year
- $0 $120
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$250Annual fee rebated$120Total$370Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $370
- Welcome offerAfter $2,000 in 4 months
- Up to $250 cash back
Apply Now
on CIBC's website
Read Also
To compare the CIBC Dividend Visa Infinite Card to another cash back card: Comparison: CIBC Dividend Visa Infinite Card vs Scotia Momentum Visa Infinite+ Card.
CIBC Supplementary Card Fee – Frequently Asked Questions
Since when are supplementary card fees $50 on the CIBC Dividend Visa Infinite?
Since August 1, 2026. CIBC documented this change in the notice sent to cardholders and in the updated cardholder agreement, without a public press release.
How much does a supplementary card cost today?
$50 per card, per year, up to a maximum of 3 supplementary cards per account. Before August 1, 2026, this fee was $30 per card.
Are supplementary card fees refunded the first year?
Yes, for a new account opened under the current welcome offer, first-year fees for supplementary cards are refunded, just like the primary cardholder’s. The increase is mostly felt at renewal.
Did the primary cardholder’s annual fee also increase?
No. The primary cardholder’s annual fee remains at $120. Only the supplementary card fees increased.
How many supplementary cards can be added to this account?
A maximum of 3 supplementary cards, a number unchanged by this pricing update.
Is there a no-fee cash back card for supplementary cards?
Yes. Some no-annual-fee cards, like the Tangerine Money-Back World Mastercard, charge nothing for supplementary cards. They suit families who mainly want to give everyone their own card access, rather than maximize a high cash back rate.
