Cash Back
CIBC Dividend Platinum Visa Card
CIBC
Welcome Bonus:
Join and earn up to $300 in value including an annual fee rebate.
Secure RateBuddy connection · Application completed on CIBC’s site
Annual Fee
$0
$99 after first year
Purchase APR
21.99%
Cash Advance
22.99%
Bonus Value
$300
RateBuddy Verdict
The Good
- Highly accessible entry point for a premium cash back card, requiring only a $15,000 household income.
- Features flexible on-demand redemption once your balance reaches $10, rather than waiting for an annual payout.
- The first-year annual fee rebate applies to both the primary cardholder and up to 3 authorized users.
The Trade-offs
- Lacks Travel Medical and Mobile Device insurance, which are included in the higher-tier Infinite version.
- The 3% grocery and gas rate is 1% lower than the Dividend Visa Infinite.
Rewards & Earnings
Groceries
3%
Dining
2%
Gas
3%
Travel
2%
Recurring Bills
2%
Base Rate
1%
Rewards Summary:
Gas, EV & Groceries: 3% cash back; Dining, Transit & Recurring Bills: 2% cash back; CIBC by Expedia: 2% cash back; Base Earn: 1% unlimited cash back; Redemption: On-demand (min. $10).
Welcome Bonus Details
Join and earn up to $300 in value including an annual fee rebate.
Estimated Value: $300
Features & Benefits
First-Year Fee Waived
First-year fee rebated for primary and up to 3 authorized users
Car Rental Collision/Loss Damage Waiver
Auto Rental Collision and Loss Damage Insurance included
Extended Warranty Insurance
Included
Purchase Security Insurance
Included
Common Carrier Accident Insurance
Up to $500,000 coverage
Insurance Coverage
Auto Rental Collision: Included; Common Carrier: $500,000; Purchase Security: 90 days; Extended Warranty: +1 Year; Note: Does not include Travel Medical or Mobile Device insurance.
Rates, Fees & Eligibility
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $99 |
| Income Required | Household: $15,000 |
| Recommended Credit Score | — |
Cardholder Reviews
A detailed view of approved RateBuddy community feedback for this card.
Be the first to share a cardholder perspective.
Approved reviews build this card’s score and detailed ratings breakdown.
No approved reviews yet
No public user reviews yet. Share your experience to help others compare this card.
Reviews are moderated before publication. RateBuddy does not publish reviewer email addresses or sensitive financial information.
Filed Under
Cash Back
Secure RateBuddy connection