{"id":227088,"date":"2026-02-09T08:40:00","date_gmt":"2026-02-09T13:40:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=227088"},"modified":"2026-03-24T10:47:28","modified_gmt":"2026-03-24T14:47:28","slug":"comparison-cibc-dividend-visa-infinite-vs-scotia-momentum-visa-infinite-card","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/avis\/cartes-credit\/comparison-cibc-dividend-visa-infinite-vs-scotia-momentum-visa-infinite-card\/","title":{"rendered":"Head-to-Head: CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card vs Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p><a href=\"https:\/\/milesopedia.com\/en\/cards\/cibc\/\">CIBC<\/a> and <a href=\"https:\/\/milesopedia.com\/en\/cards\/scotiabank\/\">Scotiabank<\/a> each have <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/cash-back\/\">cash back<\/a> credit cards offering up to 4% cash back:<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-dividend-visa-infinite-card\/\">CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22695,22637\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card-compare--offer-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--value-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--fee-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-2\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>In this analysis, we compare all their features: welcome bonus, requested income, annual fees, earning rate, insurance, benefits, etc.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Bonus&#8221;][vc_column][vc_custom_heading el_id=&#8221;&#8221; el_id=&#8221;&#8221; el_id=&#8221;&#8221; el_id=&#8221;&#8221; el_id=&#8221;&#8221; text=&#8221;Welcome Bonus&#8221; el_id=&#8221;prime_de_bienvenue&#8221;][vc_column_text]The welcome bonus offered by each of these cards varies according to the promotions.<\/p>\n<p> Here&#8217;s how the current offer is structured:[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;167868&#8243; alignment=&#8221;center&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>For a limited time, when you sign up for the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-dividend-visa-infinite-card\/\">CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card<\/a>, you earn:<\/p>\n<ul>\n<li><strong>10% cash back <\/strong>on all purchases up to <span class=\"nowrap\">$250<\/span> during the period covered by your first 4 statements;<\/li>\n<li><strong>$50 cash back<\/strong> when you set up a pre-authorized payment within the first 4 months of your membership;<\/li>\n<li>A <strong>refund<\/strong> of the first year&#8217;s annual fee ($120 value).<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;132013&#8243; alignment=&#8221;center&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>For a limited time, when you subscribe to the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card<\/a>, get&nbsp;:<\/p>\n<ul>\n<li><strong>10% cash back<\/strong> on all purchases for the first 3 months (up to $2,000 in total purchases)<\/li>\n<li><strong>No annual fee in the first year<\/strong>, including on supplementary cards.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1625129765214{padding-right: 1.5em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading el_id=&#8221;-1&#8243; el_id=&#8221;-1&#8243; el_id=&#8221;-1&#8243; el_id=&#8221;-1&#8243; el_id=&#8221;-1&#8243; text=&#8221;Advantage: CIBC&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;avantage_cibc&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>CIBC&#8217;s welcome offer gives more time to reach the ultimate goal (4 months instead of 3 at Scotia) and offers up to <span class=\"nowrap\">$300<\/span>, while Scotia&#8217;s stops at $200.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Income&#8221;][vc_column][vc_custom_heading el_id=&#8221;-2&#8243; el_id=&#8221;-2&#8243; el_id=&#8221;-2&#8243; el_id=&#8221;-2&#8243; el_id=&#8221;-2&#8243; text=&#8221;Minimum Income&#8221; el_id=&#8221;revenu_demand_&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;167868&#8243; alignment=&#8221;center&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-dividend-visa-infinite-card\/\">CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card<\/a> requires an annual personal income of $60,000 or $100,000 in annual household income.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;132013&#8243; alignment=&#8221;center&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotia Momentum<sup>&reg;<\/sup> Visa Infinite* Card<\/a> requires a $60,000 personal income or $100,000 household income.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1625130006692{padding-right: 1.5em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading el_id=&#8221;-3&#8243; el_id=&#8221;-3&#8243; el_id=&#8221;-3&#8243; el_id=&#8221;-3&#8243; el_id=&#8221;-3&#8243; text=&#8221;It&#039;s a tie&nbsp;!&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;match_nul&#8221;][vc_column_text]<\/p>\n<p>Both CIBC and Scotia cards require a similar income.<\/p>\n<p>If you don&#8217;t have this level of income, you&#8217;ll have to turn to these other cards:<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-dividend-platinum-visa-card\/\">CIBC Dividend Platinum<sup>&reg;<\/sup> Visa* Card<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotia-momentum-visa-card\/\">Scotia Momentum<sup>&reg;<\/sup> VISA* Card<\/a><\/li>\n<\/ul>\n<p>Or opt for a card that requires no minimum income, such as the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/simplycash-from-american-express\/\">American Express SimplyCash Card<\/a>.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Fees&#8221;][vc_column][vc_custom_heading el_id=&#8221;-4&#8243; el_id=&#8221;-4&#8243; el_id=&#8221;-4&#8243; el_id=&#8221;-4&#8243; el_id=&#8221;-4&#8243; text=&#8221;Annual Fee&#8221; el_id=&#8221;frais_annuels&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;167868&#8243; alignment=&#8221;center&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-dividend-visa-infinite-card\/\">CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card<\/a> has an annual fee of $120.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;132013&#8243; alignment=&#8221;center&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card<\/a> has an annual fee of $120.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1625130006692{padding-right: 1.5em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading el_id=&#8221;-5&#8243; el_id=&#8221;-5&#8243; el_id=&#8221;-5&#8243; el_id=&#8221;-5&#8243; el_id=&#8221;-5&#8243; text=&#8221;It&#039;s a tie&nbsp;!&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;match_nul&#8221;][vc_column_text]<\/p>\n<p>These two cards offered by CIBC and Scotia have a similar $120 annual fee.<\/p>\n<p>However, both cards offer a first-year annual fee rebate.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Earning Points&#8221;][vc_column][vc_custom_heading el_id=&#8221;-6&#8243; el_id=&#8221;-6&#8243; el_id=&#8221;-6&#8243; el_id=&#8221;-6&#8243; el_id=&#8221;-6&#8243; text=&#8221;Earning cash back&#8221; el_id=&#8221;accumulation_de_remise_en_argent&#8221;][vc_column_text]<\/p>\n<p>Both cards offer different cash back earning rates.<\/p>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;167868&#8243; alignment=&#8221;center&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-dividend-visa-infinite-card\/\">CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card<\/a>, you earn:<\/p>\n<ul>\n<li><strong>4% cash back<\/strong> on eligible gas and grocery purchases<\/li>\n<li><strong>2% cash back<\/strong> on eligible expenses related to transportation, dining, and everyday spending<\/li>\n<li><strong>1% cash back<\/strong> on all other purchases<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;132013&#8243; alignment=&#8221;center&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card<\/a>, you earn:<\/p>\n<ul>\n<li><strong>4% cash back<\/strong> on groceries and recurring payments<\/li>\n<li><strong>2% cash back<\/strong> on gas and daily transit<\/li>\n<li><strong>1% cash back<\/strong> on all other purchases<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=&#8221;-7&#8243; el_id=&#8221;-7&#8243; el_id=&#8221;-7&#8243; el_id=&#8221;-7&#8243; el_id=&#8221;-7&#8243; text=&#8221;Annual Limit&#8221; el_id=&#8221;limite_annuelle&#8221;][vc_column_text]<\/p>\n<p>For both cards, there are annual purchase limits beyond which the cashback rate drops to 1%, instead of 2% or 4%.<\/p>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;167868&#8243; alignment=&#8221;center&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-dividend-visa-infinite-card\/\">CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card<\/a>, if you exceed either of these two annual limits, you will earn 1% cash back on subsequent purchases:<\/p>\n<ul>\n<li>$80,000 in annual purchases charged to the card<\/li>\n<li><strong>or $20,000 in annual purchases<\/strong> from grocery stores, supermarkets, service stations and gas, public transit, food and beverage outlets and restaurants, or in recurring payments<\/li>\n<\/ul>\n<p>This annual limit will reset to zero after the day your <strong>December<\/strong> statement is printed.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;132013&#8243; alignment=&#8221;center&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotia Momentum<sup>&reg;<\/sup> Visa Infinite* Card<\/a>, if you exceed this annual limit by category, you will earn 1% cash back on subsequent purchases:<\/p>\n<ul>\n<li><strong>$25,000 in annual purchases<\/strong> from grocery stores, supermarkets, and for recurring bill payments<\/li>\n<li><strong>$25,000 in annual purchases<\/strong> on gas and daily transit<\/li>\n<\/ul>\n<p>This annual limit is reset to zero after the day following the printing of your <strong>November<\/strong> statement.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579508645{padding-right: 1.5em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading el_id=&#8221;-8&#8243; el_id=&#8221;-8&#8243; el_id=&#8221;-8&#8243; el_id=&#8221;-8&#8243; el_id=&#8221;-8&#8243; text=&#8221;Advantage: Scotia&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;avantage_scotia&#8221;][vc_column_text]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotia Momentum Visa Infinite Card<\/a> offers a higher purchase limit, especially as it is per category (4% \/ 2%), whereas CIBC&#8217;s limit covers all categories.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;use&#8221;][vc_column][vc_custom_heading el_id=&#8221;-9&#8243; el_id=&#8221;-9&#8243; el_id=&#8221;-9&#8243; el_id=&#8221;-9&#8243; el_id=&#8221;-9&#8243; text=&#8221;Redeeming your cash back balance&#8221; el_id=&#8221;obtention_de_la_remise_en_argent&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;167868&#8243; alignment=&#8221;center&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-dividend-visa-infinite-card\/\">CIBC Dividend<sup>MD<\/sup> Visa Infinite* Card<\/a>, you can redeem your cash back <strong>whenever you like<\/strong>, provided you have a balance of at least $25 at the time the application is submitted.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;132013&#8243; alignment=&#8221;center&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotia Momentum Visa Infinite Card<\/a>, you can <strong>redeem your cash back at any time<\/strong>, provided you have a minimum balance of $25, via the Scotia mobile app or online banking.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579610554{padding-right: 1.5em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading el_id=&#8221;-10&#8243; el_id=&#8221;-10&#8243; el_id=&#8221;-10&#8243; el_id=&#8221;-10&#8243; el_id=&#8221;-10&#8243; text=&#8221;Advantage: Tie&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; css=&#8221;&#8221; el_id=&#8221;avantage_cibc&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-dividend-visa-infinite-card\/\">CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card<\/a> and the <a href=\"https:\/\/milesopedia.com\/en\/go\/scotia-momentum-visa-infinite-card\/\">Scotia Momentum Visa Infinite Card<\/a> both offer flexible options to redeem your cash back, allowing you to access it throughout the year. The choice will mainly depend on your spending habits and preferred bonus categories, rather than the timing of redemption. <\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=&#8221;-11&#8243; el_id=&#8221;-11&#8243; el_id=&#8221;-11&#8243; el_id=&#8221;-11&#8243; el_id=&#8221;-11&#8243; text=&#8221;The Benefits&#8221; el_id=&#8221;les_avantages&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;167868&#8243; alignment=&#8221;center&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-dividend-visa-infinite-card\/\">CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card<\/a>, you receive the following benefits:<\/p>\n<ul>\n<li>Visa Infinite Program: hotel benefits, culinary events, complimentary concierge service<\/li>\n<li>Up to 25% off car rentals with Avis and Budget<\/li>\n<li><strong>Save up to 10 cents per litre<\/strong> at participating gas stations<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;132013&#8243; alignment=&#8221;center&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card<\/a> offers you the following benefits:<\/p>\n<ul>\n<li>Visa Infinite Program: hotel benefits, culinary events, complimentary concierge service<\/li>\n<li>Up to 25% off car rentals with Avis and Budget<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579523801{padding-right: 1.5em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading el_id=&#8221;-12&#8243; el_id=&#8221;-12&#8243; el_id=&#8221;-12&#8243; el_id=&#8221;-12&#8243; el_id=&#8221;-12&#8243; text=&#8221;Advantage: CIBC&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;avantage_cibc&#8221;][vc_column_text]<\/p>\n<p>Since these are Visa Infinite credit cards, you will have the classic benefits of this type of card.<\/p>\n<p>However, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-dividend-visa-infinite-card\/\">CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card<\/a> stands out thanks to its partnership with the Journie Rewards program: you can save <strong>up to 10 cents per litre<\/strong> at participating Pioneer, Fas Gas, Ultramar, and Chevron gas stations.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Insurance&#8221;][vc_column][vc_custom_heading el_id=&#8221;-13&#8243; el_id=&#8221;-13&#8243; el_id=&#8221;-13&#8243; el_id=&#8221;-13&#8243; el_id=&#8221;-13&#8243; text=&#8221;Insurance&#8221; el_id=&#8221;les_assurances&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 336px;\">\n<thead>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px;\">Insurance<\/td>\n<td style=\"width: 33.3333%; height: 24px;\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-167867 aligncenter\" title=\"CIBC Dividend Visa infinite front en\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/09\/CIBC_Dividend_Visa_infinite_front_fr-450x284.png\" alt=\"CIBC Dividend Visa infinite front en\" width=\"200\" height=\"126\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/09\/CIBC_Dividend_Visa_infinite_front_fr-450x284.png 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/09\/CIBC_Dividend_Visa_infinite_front_fr-1024x646.png 1024w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/09\/CIBC_Dividend_Visa_infinite_front_fr-200x126.png 200w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/09\/CIBC_Dividend_Visa_infinite_front_fr-768x485.png 768w, https:\/\/milesopedia.com\/wp-content\/uploads\/2021\/09\/CIBC_Dividend_Visa_infinite_front_fr.png 1536w\" sizes=\"auto, (max-width: 200px) 100vw, 200px\" \/><\/td>\n<td style=\"width: 33.3333%; height: 24px;\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-132012 aligncenter\" title=\"Scotia Momentum Visa Infinite\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2020\/09\/momentum-visa-infinite-fre-450x283.png\" alt=\"Scotia Momentum Visa Infinite\" width=\"199\" height=\"125\" srcset=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2020\/09\/momentum-visa-infinite-fre-450x283.png 450w, https:\/\/milesopedia.com\/wp-content\/uploads\/2020\/09\/momentum-visa-infinite-fre-200x126.png 200w, https:\/\/milesopedia.com\/wp-content\/uploads\/2020\/09\/momentum-visa-infinite-fre-768x483.png 768w, https:\/\/milesopedia.com\/wp-content\/uploads\/2020\/09\/momentum-visa-infinite-fre.png 1011w\" sizes=\"auto, (max-width: 199px) 100vw, 199px\" \/><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px;\">Travel cancellation insurance<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">None<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">Up to <strong>$1,500<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px;\">Trip interruption insurance<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">No<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">up to <strong>$2,000<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 48px;\">\n<td style=\"width: 33.3333%; height: 48px;\">Out-of-Province\/Country Emergency Medical Insurance<\/td>\n<td style=\"width: 33.3333%; height: 48px;\">Up to <strong>$5,000,000<\/strong><br \/>10 days<\/td>\n<td style=\"width: 33.3333%; height: 48px;\">Up to $1,000,000<br \/><strong>15 days<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px;\">Flight delay insurance<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">No<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">Up to $500<br \/>after 4 hours<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px;\">Misdirected Baggage Insurance<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">No<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">Up to <strong>$500<\/strong><br \/>after 4 hours<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px;\">Baggage loss or theft insurance<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">No<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">Up to <strong>$500<\/strong><br \/>after 4 hours<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px;\">Hotel burglary insurance<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">No<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">None<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px;\">Rental car theft and damage insurance<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">up to $65,000<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">up to $65,000<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px;\">Travel accident insurance<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">$500,000<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">$500,000<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px;\">Mobile Device Insurance<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">1&nbsp;000&nbsp;$<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">1&nbsp;000&nbsp;$<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px;\">Purchase Protection<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">1 additional year<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">1 additional year<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px;\">Purchase Guarantee<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">90 days<\/td>\n<td style=\"width: 33.3333%; height: 24px;\">90 days<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579523801{padding-right: 1.5em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading el_id=&#8221;-14&#8243; el_id=&#8221;-14&#8243; el_id=&#8221;-14&#8243; el_id=&#8221;-14&#8243; el_id=&#8221;-14&#8243; text=&#8221;Advantage: Scotia&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;avantage_scotia&#8221;][vc_column_text]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card<\/a> offers superior insurance coverage. It offers more coverage if you travel.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading el_id=&#8221;-15&#8243; el_id=&#8221;-15&#8243; el_id=&#8221;-15&#8243; el_id=&#8221;-15&#8243; el_id=&#8221;-15&#8243; text=&#8221;Bottom Line&#8221; el_id=&#8221;conclusion&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>So? Which credit card is the big winner?<\/p>\n<p>For all of its features and with the flexibility of earning cash back, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-dividend-visa-infinite-card\/\">CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card<\/a> wins the game! However, if you intend to use your credit card to book travel, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotia Momentum<sup>&reg;<\/sup> Visa Infinite* Card<\/a> may be a better option for you.<\/p>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;167868&#8243; alignment=&#8221;center&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-dividend-visa-infinite-card\/\">CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card<\/a> stands out thanks to:<\/p>\n<ul>\n<li>an excellent welcome offer;<\/li>\n<li>cash back that is easier to access and available more quickly&nbsp;;<\/li>\n<li>savings at partner service stations.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;132013&#8243; alignment=&#8221;center&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card<\/a> stands out thanks to:<\/p>\n<ul>\n<li>superior travel insurance&nbsp;;<\/li>\n<li>larger cash rebates for recurring payments&nbsp;;<\/li>\n<li>higher purchase limits to earn more cash back.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22695,22637\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-3\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Here&#8217;s our comparison between the CIBC Dividend\u00ae Visa Infinite* Card and the Scotia Momentum\u00ae VISA Infinite* Card. 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