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CIBC Dividend® Visa* 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: $0
Additional Cards: $0 up to 3 additional cards
Annual Income
Personal: N/A
Household: $15,000
Credit Score Estimate
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Card Type
Credit
Our Rating
2.6/5
Institution
CIBC
How You Earn Rewards
- 2% cashback on groceries if they are in the first $80k transactions of the year and $20k of categorical spends
- 1% cash back on eligible gas, electric vehicle charging, 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 eligible card purchases
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Common Carrier Travel Accident Insurance
$500,000
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
- No annual fee
- Decent grocery earnings
- Fuel savings
- Car rental discounts
- On-demand redemptions
Cons
- Low base earn rate
- Limited insurance coverage