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 Ranking
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
Emergency Out of province Medical
$5 Million per person, per trip. 10 day coverageCar Rental Damage & Theft
$65KTravel Accident
$500KMobile Device Insurance
$1000 per person, per occurrencePurchase Protection
90 daysExtended Warranty
Up to a year
Benefits
Details
Gas Discount
save up to 10¢/L on fuel at participating Pioneer, Fas Gas, Ultramar and Chevron gas stationsCar 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.