CIBC Dividend® Visa Infinite* Card

CIBC Dividend® Visa Infinite* Card

3.5/5

Up to $200

Apply Now

CIBC Dividend® Visa Infinite* Card

CIBC Dividend® Visa Infinite* Card

Apply Now

Rewards Calculator Algorithm

You can estimate your rewards by inputting your monthly or yearly spending habits.

Finly factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.


Your Spending

Modify your spending numbers and click update to get the most accurate reward estimates.

$2,000

Restaurant, Fast Food & Coffee Shop

$

Grocery

$

Recurring Purchases (Bills, Subscriptions, Rent via Chexy)

$

Gas

$

Transportation

$

Entertainment (Movies, Concerts, etc.)

$

Foreign Purchases (Non $CAD)

$

Travel (Flights, Hotels, etc.)

$

Pharmacy

$

Online Shopping

$

Home Improvement (Renovation, Furniture)

$

Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey

$

Other Purchases Not Specified

$

Card Details

Based on $2,000 spending

First Year Value

$655.3

$335.3 in years after

Annual Rewards

$455.3

First Year Bonus

$200

Annual Fee

$120

$0

First Year Waived

First Year Value

$655.3

$335.3 in years after

Interest Rates

Cash Advance: 22.99%

Purchase: 20.99%

Balance Transfer: 22.99%

Annual Fee

$120

Annual Income

Personal: $60,000

Household: $100,000

Credit Score

Very Good

Welcome Bonus

Get a first-year annual fee rebate for you and up to three Authorized Users and earn 10% cash back for the first 4 statements on net purchases of up to $2,000

Card Type

Cash Back

Our Rating

3.5/5

Institution

CIBC

Rewards


  • 4% cashback on Gas and Groceries if they are in the first $80K transactions of the year and $20K of categorical spends
  • 2% cashback on Transportation, Dining and Recurring payments if they are in the first $80K transactions of the year and $20K of categorical spends
  • 1% cashback on all other credit card purchases.

CIBC Dividend® Visa Infinite* Card Cash Back Calculator

Based on $2,000 spending


Rewards Breakdown

Groceries, Gas

$208.49


Transportation, Food and drinks, recurring transactions

$136.8


All other purchases

$110.01


Annual Fee

- $120


Net Annual Rewards

$335.3

(after fees)

Rewards Summary

Net Annual Rewards

$335.3

(after fees)


First Year Card Bonus

$200


First Year Card Value

$655.3

Insurance & Benefits


Insurance

Coverage

  • travel accident medical

    Emergency Out of province Medical

    $5 Million per person, per trip. 10 day coverage
  • car insurance

    Car Rental Damage & Theft

    $65K
  • heart lock

    Travel Accident

    $500K
  • mobile device insurance

    Mobile Device Insurance

    $1000 per person, per occurrence
  • purchase protection

    Purchase Protection

    90 days
  • extended warranty

    Extended Warranty

    Up to a year

Benefits

Details

  • gas station

    Gas Discount

    save up to 10¢/L on fuel at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations
  • car rental

    Car Rental Discount

    Get up to 25% off auto rentals at participating Avis and Budget locations worldwide.

Pros & Cons


Pros

  • High Cash Back Rates: Get 4% cash back on gas, EV charging, and groceries, plus 2% on restaurants, transportation, and recurring bill payments.
  • No Limit on Total Cash Back: No maximum limit on the amount of cash back you can earn annually.
  • Fuel Savings: Save up to 10 cents per litre at Journie Rewards gas stations like Ultramar, Pioneer, Fas Gas, and Chevron.

Cons

  • High Income Requirement: Personal income of $60,000 or household income of $100,000 is required to qualify.
  • Annual Fee: The card comes with a $120 annual fee, which might reduce the overall value for some users.
  • Lower Insurance Coverage: Compared to similar cards, the insurance offerings are less comprehensive.

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