CIBC Dividend Platinum Visa Card
Cash Back

CIBC Dividend Platinum Visa Card

CIBC CIBC
Welcome Bonus: Join and earn up to $300 in value including an annual fee rebate.
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 APR21.99%
Cash Advance APR22.99%
Annual Fee$99
Income Required Household: $15,000
Recommended Credit Score—

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