{"id":478702,"date":"2026-01-22T08:43:51","date_gmt":"2026-01-22T13:43:51","guid":{"rendered":"https:\/\/milesopedia.com\/?p=478702"},"modified":"2026-02-03T11:42:21","modified_gmt":"2026-02-03T16:42:21","slug":"comparison-tangerine-money-back-world-mastercard-vs-cibc-dividend-visa","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/comparison-tangerine-money-back-world-mastercard-vs-cibc-dividend-visa\/","title":{"rendered":"Head-to-Head: Tangerine Money-Back World Mastercard vs. CIBC Dividend Visa"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>&nbsp;<\/p>\n<p>Earning cash back on all your purchases is one of the most straightforward ways to be rewarded with a credit card.<\/p>\n<p>In this article, we&#8217;re going to compare two widely accepted cash back credits cards (one Visa and one Mastercard) to see which one stands above the other.<\/p>\n<p>Read on to find out which card will come out on top in our match up of the <a title=\"Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*\" href=\"https:\/\/milesopedia.com\/en\/go\/tangerine-world-mastercard\/\" rel=\"noindex\">Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*<\/a> vs. the <a title=\"CIBC Dividend<sup>&reg;<\/sup> Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-dividend-visa-card\/\" rel=\"noindex\">CIBC Dividend<sup>&reg;<\/sup> Visa* Card.<\/a><\/p>\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=\"22697,71355\"\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 css=&#8221;&#8221; el_class=&#8221;links&#8221;]<\/p>\n<p>Both the Tangerine card and the CIBC card offer the ability to get a percentage of your purchase price back each time you make a purchase, offering an easy way to earn and save.<\/p>\n<p>In this article, we\u2019ll compare the following categories to see which of these two cards is the best:<\/p>\n<ul>\n<li><a href=\"#prime\">Welcome Bonus<\/a><\/li>\n<li><a href=\"#revenu\">Minimum Income Requirement<\/a><\/li>\n<li><a href=\"#frais\">Annual Fee<\/a><\/li>\n<li><a href=\"#accumulation\">Earning Rewards<\/a><\/li>\n<li><a href=\"#utilisation\">Redeeming Rewards<\/a><\/li>\n<li><a href=\"#assurances\">Additional Perks<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Bonus&#8221;][vc_column][vc_custom_heading text=&#8221;Welcome Bonus&#8221; el_id=&#8221;welcome_bonus&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Both the\u00a0<a title=\"Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*\" href=\"https:\/\/milesopedia.com\/en\/go\/tangerine-world-mastercard\/\" rel=\"noindex\">Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*<\/a> and the\u00a0<a title=\"CIBC Dividend<sup>&reg;<\/sup> Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-dividend-visa-card\/\" rel=\"noindex\">CIBC Dividend<sup>&reg;<\/sup> Visa* Card<\/a> typically offer new cardholders a welcome bonus that provides increased cash back for set period of time.<\/p>\n<p>Keeping in mind that these offers change regularly, we&#8217;ll compare the two current offers to see how they stack up.<\/p>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;470114&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>When signing up for the\u00a0<a title=\"Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*\" href=\"https:\/\/milesopedia.com\/en\/go\/tangerine-world-mastercard\/\" rel=\"noindex\">Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*<\/a>, you can enjoy a the following welcome offer:<\/p>\n<ul>\n<li>Get a <strong>bonus of $120 after you spend $1,500 in the first 3 months<\/strong> as a cardholder<\/li>\n<\/ul>\n<p>Note that this bonus amount is in addition to the regular and elevated-category earning rates offered by the card.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"476249\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;167866&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The\u00a0<a title=\"CIBC Dividend<sup>&reg;<\/sup> Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-dividend-visa-card\/\" rel=\"noindex\">CIBC Dividend<sup>&reg;<\/sup> Visa* Card<\/a> also comes with a welcome offer, but it&#8217;s structured differently. Rather than getting a lump sum for meeting a spending requirement, CIBC offers the following:<\/p>\n<ul>\n<li><strong>Earn an elevated rate of 5% cash back on all your purchases for the first 4 monthly card statements, up to a maximum of $100 cash back<\/strong> (earned after spending $2,000 within the 4 months)<\/li>\n<\/ul>\n<p>Once you reach either the end of the promotional time frame or the maximum of $100 cash back, your earning rates will revert to the card&#8217;s standard rates.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"203559\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579492398{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: Tangerine Money-Back World Mastercard&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; css=&#8221;&#8221; el_id=&#8221;advantage_tangerine_money-back_world_mastercard&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The\u00a0<a title=\"Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*\" href=\"https:\/\/milesopedia.com\/en\/go\/tangerine-world-mastercard\/\" rel=\"noindex\">Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*<\/a> wins here, offering a lump sum cash bonus for a reasonable spending requirement.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Income&#8221;][vc_column][vc_custom_heading text=&#8221;Minimum Income Requirement&#8221; css=&#8221;&#8221; el_id=&#8221;minimum_income_requirement&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;470114&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The\u00a0<a title=\"Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*\" href=\"https:\/\/milesopedia.com\/en\/go\/tangerine-world-mastercard\/\" rel=\"noindex\">Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*<\/a> has a minimum income requirement of $50,000 personal income or $80,000 household income.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;167866&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The\u00a0<a title=\"CIBC Dividend<sup>&reg;<\/sup> Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-dividend-visa-card\/\" rel=\"noindex\">CIBC Dividend<sup>&reg;<\/sup> Visa* Card<\/a> has a minimum income requirement of only $15,000 annual household income.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579508645{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: CIBC Dividend Visa&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; css=&#8221;&#8221; el_id=&#8221;advantage_cibc_dividend_visa&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>We&#8217;re awarding this category to the\u00a0<a title=\"CIBC Dividend<sup>&reg;<\/sup> Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-dividend-visa-card\/\" rel=\"noindex\">CIBC Dividend<sup>&reg;<\/sup> Visa* Card<\/a> for it&#8217;s accessible minimum income requirement of only $15,000 annual household income.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Fees&#8221;][vc_column][vc_custom_heading text=&#8221;Annual Fee&#8221; el_id=&#8221;annual_fee&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;470114&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The\u00a0<a title=\"Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*\" href=\"https:\/\/milesopedia.com\/en\/go\/tangerine-world-mastercard\/\" rel=\"noindex\">Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*<\/a> lets cardholders earn cash back on all purchases for <strong>no annual fee<\/strong>.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;167866&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The\u00a0<a title=\"CIBC Dividend<sup>&reg;<\/sup> Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-dividend-visa-card\/\" rel=\"noindex\">CIBC Dividend<sup>&reg;<\/sup> Visa* Card<\/a> also lets you earn cash back with <strong>no annual fee<\/strong>.<\/p>\n<p>&nbsp;<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579508645{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Draw&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; css=&#8221;&#8221; el_id=&#8221;draw&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Since both cards offer their earning rates and perks with no annual fee attached, this category is a tie.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Earning Points&#8221;][vc_column][vc_custom_heading text=&#8221;Earning Points&#8221; el_id=&#8221;earning_points&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Both the <a title=\"Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*\" href=\"https:\/\/milesopedia.com\/en\/go\/tangerine-world-mastercard\/\" rel=\"noindex\">Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*<\/a> and the\u00a0<a title=\"CIBC Dividend<sup>&reg;<\/sup> Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-dividend-visa-card\/\" rel=\"noindex\">CIBC Dividend<sup>&reg;<\/sup> Visa* Card<\/a> give you the ability to earn cash back on all your purchases; however, the category earning rates are different for each card.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Earning Rewards&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;earning_rewards&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;470114&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the\u00a0<a title=\"Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*\" href=\"https:\/\/milesopedia.com\/en\/go\/tangerine-world-mastercard\/\" rel=\"noindex\">Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*<\/a>, you get a <strong>base rate of 0.5% cash back<\/strong> on your purchases.<\/p>\n<p>You also get to <strong>choose two spending categories that will earn the elevated cash back rate of 2%<\/strong>. Your category options are as follows:<\/p>\n<ul>\n<li>Grocery<\/li>\n<li>Restaurants<\/li>\n<li>Gas<\/li>\n<li>Entertainment<\/li>\n<li>Furniture<\/li>\n<li>Hotel-Motel<\/li>\n<li>Drug store<\/li>\n<li>Recurring bill payments<\/li>\n<li>Home improvement<\/li>\n<li>Public transportation and parking<\/li>\n<li>E-games<\/li>\n<li>Fitness and sports clubs<\/li>\n<li>Foreign currency spend<\/li>\n<\/ul>\n<p>Additionally, if you choose to have your cash back deposited into your <a title=\"Tangerine Savings Account\" href=\"https:\/\/milesopedia.com\/en\/go\/tangerine-savings-account\/\" rel=\"noindex\">Tangerine Savings Account<\/a>, you can <strong>choose a third category that will earn 2% back<\/strong>.<\/p>\n<p>It&#8217;s also important to note that you can change the categories that earn 2% every 90 days to best adapt to your current spending habits.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"473883\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;167866&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The\u00a0<a title=\"CIBC Dividend<sup>&reg;<\/sup> Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-dividend-visa-card\/\" rel=\"noindex\">CIBC Dividend<sup>&reg;<\/sup> Visa* Card<\/a> lets cardholder earn cash back on all their purchases using the common tiered earning structure:<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<thead>\n<tr>\n<td style=\"width: 50%; text-align: center;\"><strong>Category<\/strong><\/td>\n<td style=\"width: 50%; text-align: center;\"><strong>Earn Rate<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"width: 50%; text-align: center;\">Groceries<\/td>\n<td style=\"width: 50%; text-align: center;\">2% cash back<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\">Gas, EV Charging, Transportation, Dining, and Recurring Bill Payments<\/td>\n<td style=\"width: 50%; text-align: center;\">1% cash back<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\"><a href=\"https:\/\/milesopedia.com\/en\/news\/programs\/cibc-by-expedia-expansion\/\">Travel book through CIBC by Expedia<\/a><\/td>\n<td style=\"width: 50%; text-align: center;\">1% cash back<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\">All other purchases<\/td>\n<td style=\"width: 50%; text-align: center;\">0.5% cash back<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>With the\u00a0<a title=\"CIBC Dividend<sup>&reg;<\/sup> Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-dividend-visa-card\/\" rel=\"noindex\">CIBC Dividend<sup>&reg;<\/sup> Visa* Card<\/a>, there are no limits on the total amount of cash back that you earn; however, the 2% and 1% categories are limited to the first $30,000 in net annual expenses in all categories or the first $20,000 in the 1% categories \u2014 whichever comes first.<\/p>\n<p>After you reach these limits, your earn rate will become 0.5% for all remaining purchases in that year, regardless of category.\u00a0The limits then reset after your December credit card statement each year.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579508645{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: CIBC Dividend Visa&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; css=&#8221;&#8221; el_id=&#8221;advantage_cibc_dividend_visa&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>This category is really close, and ultimately, the best card for you will depend on your personal spending habits. However, in the end, we chose CIBC as the winner because of it\u2019s simple earning structure and elevated rates across key spending categories.<\/p>\n<p>That said, if you have the capacity to change your spending categories with Tangerine and time bigger purchases to get the extra 1% back then you may be able to get even more cash back out of this card \u2014 it will just take a bit more work.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Redeeming Rewards&#8221; css=&#8221;&#8221; el_id=&#8221;redeeming_rewards&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;470114&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Gaining access to your accumulated cash back is incredibly easy with the\u00a0<a title=\"Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*\" href=\"https:\/\/milesopedia.com\/en\/go\/tangerine-world-mastercard\/\" rel=\"noindex\">Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*<\/a>.<\/p>\n<p>With this card, your cash back is <strong>automatically deposited monthly<\/strong> into your designated account, with no additional work required of you.<\/p>\n<p>&nbsp;<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"181906\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;167866&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Comparatively, the redemption process for the\u00a0<a title=\"CIBC Dividend<sup>&reg;<\/sup> Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-dividend-visa-card\/\" rel=\"noindex\">CIBC Dividend<sup>&reg;<\/sup> Visa* Card<\/a> is a bit more complicated.<\/p>\n<p>In this case, you need to request that your cash back be deposited in your account, and you can only make this request if you&#8217;re <strong>redeeming a minimum of $10<\/strong>.<\/p>\n<p>Redemption requests can be made through CIBC&#8217;s online banking or through their app, and cash back of $10 or more can be redeemed at any time during the year.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"242029\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579610554{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: Tangerine Money-Back World Mastercard&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; css=&#8221;&#8221; el_id=&#8221;advantage_tangerine_money-back_world_mastercard&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The winner of this category is\u00a0the\u00a0<a title=\"Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*\" href=\"https:\/\/milesopedia.com\/en\/go\/tangerine-world-mastercard\/\" rel=\"noindex\">Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*<\/a> since you don&#8217;t have to do anything to reap the benefits of your cash back.<\/p>\n<p>However, if you prefer to keep your cash back a little bit out of reach to help you save up for a bigger purchase\/redemption, you may like the access barrier that exists with the\u00a0<a title=\"CIBC Dividend<sup>&reg;<\/sup> Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-dividend-visa-card\/\" rel=\"noindex\">CIBC Dividend<sup>&reg;<\/sup> Visa* Card<\/a>.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Additional Perks&#8221; css=&#8221;&#8221; el_id=&#8221;additional_perks&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;470114&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>In terms of additional perks, the\u00a0<a title=\"Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*\" href=\"https:\/\/milesopedia.com\/en\/go\/tangerine-world-mastercard\/\" rel=\"noindex\">Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*<\/a> offers the following:<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/flexiroam-esim-mastercard\/\">Free 1GB FlexiRoam<\/a> Global Roaming Plan + 15% off additional eSIM data plans<\/li>\n<li>Purchase assurance and extended warranty<\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/finances-personnelles\/assurances\/insurance-mobile-devices\/\">Mobile device insurance<\/a>, up to $1,000<\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/theft-damage-car-rental-credit-cards\/\">Car rental collision\/loss damage insurance<\/a><\/li>\n<li>Save $30 on the first 3 months of a new Fubo subscription (not available in Quebec)<\/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='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"177641,116748,137724\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;167866&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The\u00a0<a title=\"CIBC Dividend<sup>&reg;<\/sup> Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-dividend-visa-card\/\" rel=\"noindex\">CIBC Dividend<sup>&reg;<\/sup> Visa* Card<\/a> also offers cardholders a handful of benefits, as follows:<\/p>\n<ul>\n<li>Send money abroad for $0 fees with <a target=\"_blank\" href=\"https:\/\/www.cibc.com\/en\/personal-banking\/ways-to-bank\/how-to\/global-money-transfer.html\">CIBC Global Money Transfer<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/rewards\/special-offers\/partnership-skip-cibc\/\">12-month Skip+ free trial<\/a> + exclusive savings and offers with membership<\/li>\n<li>Purchase security and <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/extended-warranty-credit-cards\/\">extended warranty<\/a><\/li>\n<li>Save on car rentals with Avis and Budget<\/li>\n<li>Save up to 10 cents\/litre on gas when you link your account to<a href=\"https:\/\/milesopedia.com\/en\/rewards\/journie-ultimate-guide\/\"> Journie Rewards<\/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='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"341610,132067,415401\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579610554{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: Tangerine Money-Back World Mastercard&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; css=&#8221;&#8221; el_id=&#8221;advantage_tangerine_money-back_world_mastercard&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>In this category, neither of the cards offer any particularly notable perks, but each of them does offer benefits that can save you money and keep your purchases safe.<\/p>\n<p>We&#8217;re going to say that the <a title=\"Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*\" href=\"https:\/\/milesopedia.com\/en\/go\/tangerine-world-mastercard\/\" rel=\"noindex\">Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*<\/a> eeks out the win here since the mobile device insurance and car rental insurance are likely the highest value perks on these lists.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Bottom Line&#8221; el_id=&#8221;bottom_line&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Now, after we&#8217;ve compared all the key categories, which of these two cash back cards is the winner?<\/p>\n<p>In our opinion, it&#8217;s not possible to objectively pick an overall winner since the category wins were fairly evenly divided, and choosing the best card really comes down to your spending habits, which perks make sense to you, and how you prefer to access your accumulated cash back.<\/p>\n<p>If you like the idea of getting your cash back automatically deposited each month, then the\u00a0<a title=\"Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*\" href=\"https:\/\/milesopedia.com\/en\/go\/tangerine-world-mastercard\/\" rel=\"noindex\">Tangerine<sup>&reg;<\/sup> Money-Back World Mastercard<sup>&reg;<\/sup>*<\/a> might be best for you.<\/p>\n<p>Alternatively, if you prefer the idea of keeping your cash back tucked away until you have a good use for it, the\u00a0<a title=\"CIBC Dividend<sup>&reg;<\/sup> Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-dividend-visa-card\/\" rel=\"noindex\">CIBC Dividend<sup>&reg;<\/sup> Visa* Card<\/a> is probably better suited.<\/p>\n<p>You&#8217;ll also want to closely consider each set of additional perks to see which combination is most useful to you and which fits best with your upcoming purchases and travel plans.<\/p>\n<p>Ultimately, whether you use your cash back rewards each month to help cover bills, or you save it up for a rainy day, each of the cards offers an earning structure that can suit any type of spender or saver, letting you take advantage of this straightforward rewards structure.<\/p>\n<p>Additionally, if you&#8217;re curious about an alternative accessible rewards option, you may want to consider an adaptable loyalty program like <a href=\"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/comparison-capital-one-smart-rewards-mastercard-vs-cibc-adapta-mastercard\/\">CIBC Adapta or Capital One&#8217;s Smart Rewards, which we compare in a helpful head-to-head<\/a>.<\/p>\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=\"71355,22697\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<!-- Card Image \/ 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class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>In this head-to-head, we compare two ways to earn cash back on all your purchases: the Tangerine Money-Back World 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