
CIBC Dividend® Visa Infinite* Card
on CIBC's website
Pros & Cons
Pros
- +First Year Annual Fee Rebate ($120 annual fee rebated)
- +Welcome Bonus: $300
- +Up to 4x on Gas
Cons
- –Foreign Transaction Fee (2.5%)
- –No airport lounge access despite fee
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
Rewards
All Spending
1x
Cash Back pts per dollar
Gas
4x
Groceries
4x
Restaurants
2x
Recurring
2x
Transit
2x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$702
$/yr
Estimated Value
$702
After Fees
+$702
1st Year Value
$1,002
incl. welcome bonus
Annual rewards breakdown
- Earn $250 Cash Back
- Earn $50 Cash Back
Travel Insurance
Travel Medical
Up to $5,000,000 / 10 days
Travel Accident
Up to $500,000
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Mobile Device
Up to $1,000
Auto Rental
Up to $65,000 / 48 days
Interest Rates
- Purchase Rate21.99%
- Cash Advance22.99%
- Cash advance rate (Quebec)21.99%
- Balance transfer rate22.99%
- Balance transfer rate (Quebec)21.99%
- Foreign Transaction Fee2.5%
Perks & Benefits
Concierge Service
24/7
Eligibility
Personal Income
$60,000
Household Income
$100,000
Terms & Conditions
Card Features
Welcome Offer: Apply for a card and get up to $400 in value, including a first year annual fee rebate†.
Here’s how you can earn up to $400:
- Earn a welcome bonus of 10% cash back, up to $250 (during your first 4 statements†).
- Earn a $50 cash back bonus when you set up a pre-authorized payment during your first 4 monthly statements†.
- Get a first year annual fee rebate worth $120†.
Then, get 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†
- Get cash back on demand – redeem your cash back at any time when you have a minimum of $10 through CIBC Online BankingMD and CIBC Mobile BankingMD†
Obtenez une adhésion gratuite à Skip+ quand vous liez votre carte de crédit CIBC admissible
De plus, profitez de la livraison gratuite et obtenez un bon mensuel de 10 $†.
Faites le plein à moindre coût
Économisez jusqu’à 10 cents le litre aux stations-service participantes de Pioneer, Fas Gas, Ultramar et Chevron lorsque vous liez votre carte avec Récompenses Journie†.
Legal
This is a digital-exclusive offer.† To be eligible for this offer: 1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and 2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you. † This offer is reserved for you. Please do not forward it to anyone else.
This offer is reserved for you. Please do not forward it to anyone else. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months.†
† Terms and conditions apply. Click on Apply Now to learn more.
Related Cards
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Un Accro du Voyage may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 CIBC. All trademarks are property of their respective owners.









