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Cibc

CIBC Dividend® Visa* Card

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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

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

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

Card Type

Credit

Reward Type

Cash Back

Our Rating

2.6/5

Institution

CIBC

Insurance & Benefits

3 insurance

2 benefits

Insurance

Coverage

Common Carrier Travel Accident Insurance

$500,000

Purchase Protection

90 days

Extended 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 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

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