CIBC Dividend Visa Infinite Card
Cash Back Premium / High-End

CIBC Dividend Visa Infinite Card

CIBC CIBC
Welcome Bonus: Join and earn up to $350 in value including an annual fee rebate.
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Annual Fee $0
$120 after first year
Purchase APR 21.99%
Cash Advance 22.99%
Bonus Value $350

RateBuddy Verdict

The Good
  • Offers an industry-leading 4% cash back on gas and groceries, making it ideal for daily essentials.
  • Provides highly flexible on-demand redemption; you can claim your cash back any time your balance is over $10.
  • Includes a comprehensive insurance suite for a cash back card, featuring both Travel Medical and Mobile Device insurance.
  • First-year annual fee is waived for the primary cardholder and up to three additional users.
The Trade-offs
  • Requires a minimum personal income of $60,000 or a household income of $100,000.
  • Does not include Trip Cancellation or Trip Interruption insurance, unlike CIBCs Aventura Infinite travel card.

Rewards & Earnings

Groceries 4%
Dining 2%
Gas 4%
Travel 2%
Recurring Bills 2%
Base Rate 1%
Rewards Summary: Gas, EV & Groceries: 4% 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 $350 in value including an annual fee rebate.

Estimated Value: $350

Features & Benefits

Travel Medical Insurance
Included (Out-of-Province Emergency Travel Medical)
First-Year Fee Waived
First-year fee rebated for primary and up to 3 authorized users
Mobile Device Insurance
Up to $1,000 coverage included
Car Rental Collision/Loss Damage Waiver
Included
Extended Warranty Insurance
Included
Purchase Security Insurance
Included
Concierge Service
24/7 complimentary concierge
Hotel Status Benefits
Visa Infinite Exclusive Offers
Common Carrier Accident Insurance
Up to $500,000 coverage

Insurance Coverage

Emergency Medical: Included; Mobile Device: Included ($1,000); Car Rental Collision: Included; Common Carrier: $500,000; Purchase Security & Extended Warranty: Included.

Rates, Fees & Eligibility

Purchase APR21.99%
Cash Advance APR22.99%
Annual Fee$120
Income Required Personal: $60,000
Household: $100,000
Recommended Credit Score—

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Filed Under

Cash Back Premium / High-End
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