CIBC Dividend Visa Infinite Card
VISACash back on everyday spending
CIBC Dividend Visa Infinite Card
7.4Canada Cards ScoreVery good10% cash back welcome bonus up to $200 plus $50 pre-authorized payment bonus
Why get this card
- ✓Earn 4% on gas, ev charging, and groceries
Pros
- +Strong 4% earn on gas, ev charging, and groceries
Cons
- -Steep $120 annual fee
- -Needs $60,000 minimum income
Earn rates
- gas, EV charging, and groceries4%
- transportation, dining, recurring payments, eligible travel via CIBC by Expedia2%
- all other purchases1%
Welcome offer
10% cash back welcome bonus up to $200 plus $50 pre-authorized payment bonus
- Bonus points
- —
- Minimum spend
- $2,000
- Spend window
- —
- Offer ends
- —
Earn a 10% cash back welcome bonus of up to $200 for the first 4 statements on net purchases up to $2,000; plus a $50 cash back bonus for setting up one pre-authorized payment within the first 4 monthly statements
Fees
- Annual fee
- $120
- Additional card
- $30
- Foreign transaction fee
- —
$120 annual fee (first year rebated); $30 (effective August 1, 2026: $50) each for up to 3 additional cards (first year rebated)
Interest rates
- Purchase APR
- —
- Cash advance APR
- —
- Balance transfer APR
- —
- Grace period
- —
- Rate effective date
- —
Benefits & insurance
- Lounge access
- —
- Insurance coverages
- 2
- travel insurance
- purchase security and extended protection insurance
Redemption & eligibility
- Reward currency
- Cash Back
- Redemption options
- statement credit / cash back redeemed via online or mobile banking once $10+
- Transfer partners
- —
- Min. personal income
- $60,000
- Min. household income
- $100,000
$60,000 individual, or $100,000 household minimum annual income
How we scored it
7.4Very good- Everyday earn rateWeight 30
4% on gas, EV charging, and groceries
- Welcome valueWeight 25
No current welcome offer
- Annual-fee valueWeight 20
$120 annual fee
- Benefits depthWeight 15
2 insurance coverages
- Interest costWeight 10
Rate not published
Our editorial rating, computed only from sourced figures. See the full methodology.
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Learn before you apply
Frequently asked
- Is the CIBC Dividend Visa Infinite Card worth it?
- It carries a $120 annual fee. Earn 4% on gas, ev charging, and groceries. Compare it against similar cards below before deciding.
- What is the annual fee and interest rate on the CIBC Dividend Visa Infinite Card?
- The annual fee is $120. The purchase interest rate is — and the cash advance rate is —. These are sourced from CIBC's official page.
- What rewards does the CIBC Dividend Visa Infinite Card earn?
- It earns up to 4% on gas, ev charging, and groceries, in Cash Back. See the full earn-rate breakdown above.
- What income do I need for the CIBC Dividend Visa Infinite Card?
- CIBC lists a minimum personal income of $60,000 or household income of $100,000.
More ways to compare
Official sources
Every figure on this page comes from CIBC's own pages. Last checked 2026-06-13.
Cited, never sponsored
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