CIBC Dividend Visa Infinite
CIBC · Cashback · Statement Credit
This comprehensive guide covers the CIBC Dividend Visa Infinite's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The CIBC Dividend Visa Infinite from CIBC offers cashback rewards credited directly to your statement at 4%. Top earning categories include 4% on groceries & gas and more. Annual fee is C$99 (waived for first year).
Best for: Grocery, Dining, Transit, General Online
Reward Examples
Spend C$1,000 on Grocery → earn C$40 (4%) · 4% on groceries & gas
Spend C$1,000 on Dining → earn C$20 (2%) · 2% on dining, drugstore & transportation
Spend C$1,000 on General online → earn C$10 (1%) · 1% on everything else
Official product page → Official rules →
Waiver: Waived for first year
Reward Rules
- 4% 4% on groceries & gas
- 2% 2% on dining, drugstore & transportation
- 1% 1% on everything else
Important Notes
- Grocery 4% earn capped at CAD 20,000 annual spend; gas 4% capped at CAD 5,000 annual spend.
- Cashback paid annually as statement credit on the anniversary date.
- Annual fee waived for first year; CAD 99 thereafter.
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
CIBC Dividend Visa Infinite vs Similar Cards
- Alterna Savings Cash Back Visa — 2% top rate · C$0
- BMO Cash Back Mastercard — 3% top rate · C$0
- BMO CashBack World Elite Mastercard — 5% top rate · C$120
Maximize Your Rewards
To earn the highest rewards, use the CIBC Dividend Visa Infinite for its bonus categories: Grocery, Dining, Transit, General Online, Online Retail.