Head to head
BMO CashBack World Elite Mastercard vs CIBC Dividend Visa Infinite Card
Fees, rates, rewards, and welcome offers side by side. Every figure links to the issuer's own page.
| Issuer | BMO | CIBC |
| Network | Mastercard World Elite | Visa Visa Infinite |
| Annual fee | $139 | $120 |
| Purchase APR | 21.99% | — |
| Cash advance APR | 23.99% | — |
| FX fee | 2.5% | n/a |
| Welcome (est. value) | See offer | See offer |
| Top earn rate | 5% Groceries | 4% gas, EV charging, and groceries |
| Lounge visits | n/a | n/a |
| Min. income | $80,000 | $60,000 |
Frequently asked
- Is the BMO CashBack World Elite Mastercard or the CIBC Dividend Visa Infinite Card better?
- Neither is universally better. The BMO CashBack World Elite Mastercard charges a $139 annual fee at 21.99% purchase APR, while the CIBC Dividend Visa Infinite Card charges $120 at —. The right pick depends on how you spend and whether you carry a balance. Confirm all details on each issuer's page before applying.
- Where do these numbers come from?
- Every fee, rate, and offer here is pulled from the card issuer's own product and application pages, never an affiliate feed. Rates and offers change, so always verify on the official issuer page before you apply.
- Is this financial advice?
- No. This is an educational comparison to help you weigh two cards. It is not financial advice.
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