Head to head
CIBC Dividend Platinum Visa Card vs National Bank Platinum Mastercard
Fees, rates, rewards, and welcome offers side by side. Every figure links to the issuer's own page.
| Issuer | CIBC | National Bank |
| Network | Visa Platinum | Mastercard Platinum |
| Annual fee | $99 | — |
| Purchase APR | 21.99% | 20.99% |
| Cash advance APR | 22.99% | 22.49% |
| FX fee | n/a | n/a |
| Welcome (est. value) | See offer | See offer |
| Top earn rate | 3% gas, EV charging, and groceries | 2x Groceries and restaurants |
| Lounge visits | n/a | n/a |
| Min. income | n/a | n/a |
Frequently asked
- Is the CIBC Dividend Platinum Visa Card or the National Bank Platinum Mastercard better?
- Neither is universally better. The CIBC Dividend Platinum Visa Card charges a $99 annual fee at 21.99% purchase APR, while the National Bank Platinum Mastercard charges — at 20.99%. 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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