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CIBC Dividend® Visa Infinite* Card
Cash Back Calculator
Card Details
Interest Rates
Purchase: 20.99%
Cash Advance: 22.99%□
Balance Transfer: 22.99%
□ Cash advance rate for Quebec residents is 21.99%
Annual Fees
Main Card: $120
$0
First Year Rebated
Additional Cards: $30 (first year waived)
Welcome Bonus
- Earn a 10% cash back welcome bonus of up to $300 for the first 4 statements on net purchases up to $3,000†
- A $50 cash back bonus for setting up one pre-authorized payment within the first 4 monthly statements†
- Plus, get a first-year annual fee rebate valued at $120†
Annual Income
Personal: $60,000
Household: $100,000
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Card Type
Credit
Our Rating
3.4/5
Institution
CIBC
How You Earn 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.
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Travel Medical Insurance
$5 Million per person, per trip. 10 day coverage.svg)
Car Rental Damage & Theft
$65K
Common Carrier Travel Accident Insurance
$500K
Mobile Device Insurance
$1000 per person, per occurrence
Purchase Protection
90 days
Extended Warranty
Up to a year
Benefits
Details
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Gas Discount
save up to 10¢/L on fuel at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations
Car Rental Discount
Get up to 25% off auto rentals at participating Avis and Budget locations worldwide.
Pros & Cons
Pros
- First-year fee rebate
- High cashback rates
- Unlimited cashback earnings
- Fuel savings
- Car rental discounts
Cons
- High income requirements
- Annual fee
- Lower insurance coverage
Legal
†This offer applies to the following Eligible Cards: CIBC Dividend® Visa Infinite* Card and CIBC Dividend Platinum® Visa* Card. You can qualify for this offer if you apply and are approved for a new eligible card beginning on October 29, 2025.
To be eligible for this offer:
- this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and
- 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.
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.
If you apply and are approved for a new eligible card, you will receive 10% cash back on the net purchases posted to your account within the first 4 monthly statement periods or $3,000 in total net purchases (equal to $300 cash back), whichever comes first.
To qualify for a $50 cash back bonus, the primary cardholder must set up one (1) recurring bill payment within the first four (4) monthly statements. Recurring bill payments are automatically billed by a specific merchant to your credit card account on a regular basis (annually, monthly, biweekly, or weekly). If the payment is not set up as a recurring bill payment and the first payment is not posted to your account within the first four (4) monthly statements, it will not qualify for this offer. Please allow 8 to 12 weeks after the first recurring bill payment is posted for the cash back to appear on your credit card account. Authorized users are not eligible for this offer. The credit card account must be open and in good standing at the time the cash back is awarded. Limit of one $50 cash back bonus per account. Existing terms of your credit card account continue to apply. This offer is non-transferable and cannot be combined with any other offer. This offer may be withdrawn or changed without prior notice at any time. This offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion.
Regular cash back rate(s) do not apply on purchases on which the promotional rate of 10% applies. Cash back is earned on purchases less returns and credits. For this offer, the following do not qualify as purchases: cash advances, CIBC Global Money Transfers™, interest, fees, balance transfers, payments or CIBC Convenience Cheques. Promotional cash back will appear on your statement no later than 8 weeks after the end of the fourth monthly statement period.
Offer applies to newly approved card accounts only. Transfers and product changes from other CIBC credit cards are excluded from this offer. This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. 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. This offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion.
A one-time annual fee rebate for you (the primary cardholder) and up to three authorized users added at the time of the application. This offer does not apply to annual fees for authorized users that are added after you submit your application. This offer applies for the first year only. If your application for an eligible card is not approved, you may be considered for another card (as disclosed in your credit card application). If you are approved for that card, this annual fee rebate offer will apply in the amount of the annual fee, if any, of the alternate card. If you qualify, the rebate will be awarded to you and will appear as a credit against the applicable annual fee(s) within two statements. Your new credit card account must be open and in good standing at time the rebate is awarded.