CIBC Dividend Visa Infinite Card
Last updated:
$99/year
Earn 10% cashback for 4 months
10% cash back on all purchases for the first 4 months, up to $2,000 in spend.
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Key Details
Annual Fee
$99
Network
visa
Credit Required
good, excellent
Reward Type
cashback
Rewards Earn Rates
4x
Groceries
4x
Gas
2x
Dining
1x
Travel
1x
Everything Else
Highlights
- $99 annual fee
- 4% cashback on groceries and gas
- 2% on dining, Tim Hortons, and transit
- 1% on everything else
Pros & Cons
Pros
- + Excellent 4% on groceries and gas
- + 2% on dining and transit
- + Visa Infinite insurance and perks
- + Good all-around category coverage
Cons
- – $99 annual fee
- – Only 1% base rate
- – $60,000 minimum income
- – Cashback cap of $20,000 per category per year
Who Is This Card For?
The CIBC Dividend Visa Infinite Card is best suited for Canadians who prioritize cashback, groceries, gas spending. At $99/year, it's worth it for those who spend enough in bonus categories to offset the fee.
Benefits Breakdown
Extended Warranty
Purchase Protection
90 days
Rental Car Insurance
Insurance Coverage Details
Ways to Reduce the Annual Fee
- Product-switch from a no-fee CIBC card
- Ask for first-year fee waiver in-branch
- 4% on gas alone can offset the fee if you spend $200+/mo
Multi-Card Strategy
Strong competitor to Scotia Momentum. Pair with a no-FX card for travel.
See full multi-card strategies →Is this card worth it for you?
Use our rewards estimator to see how much you'd earn based on your spending.
Frequently Asked Questions
Ready to Apply?
Visit the issuer's website to confirm current terms and apply.
Apply for CIBC Dividend Visa Infinite CardAffiliate link · Disclosure
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Sources
Last verified: 2026-03-01. Offers and terms can change. Always confirm details on the issuer's website before applying.