With the ability to earn up to 4% cash back and no limits on the total amount you can earn, the CIBC Dividend Visa Infinite card could fill your pockets with great cash back rewards.

Annual Fee
$99
Extra Card Fee
$30
Card Type
Credit
Purchase
19.99%
Cash Advance
22.99%
Balance Transfer
22.99%
Personal Income
$60,000
Household Income
$100,000
Canadian resident who has reached the provincial age of majority.
Extended Warranty 1 year
Purchase Protection 90 days
Travel Accident $500,000
Emergency Medical Term 15 days
Trip Interruption $2,000
Flight Delay $700
Baggage Delay $500
Lost or Stolen Baggage $500
Rental Car Theft & Damage Yes

Please review your insurance certificate for details, exclusions and limitations of your coverage.

If we find your match, we’ll give you up to $25 when you refer your friends.*

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Our Review

Big gas and grocery spender? The CIBC Dividend Visa Infinite will earn you plenty of cash back on those purchases and more, for an annual fee of $99 (which is rebated for the first year).

Here's what you need to know about this card.

CIBC Dividend Visa Infinite cash back earn rates

So just what will you earn for cash back? There are some great earn rates with this card:

  • 4% cash back on gas and groceries,
  • 2% cash back on Tim Hortons and TELUS purchases, and
  • 1% cash back on all other purchases.

Not many credit cards are offering 4% cash back on 2 different categories. And there are also some bonus rewards at 2 merchants, while never earning less than 1% back on everything else.

You'll get your cash back rewards every December as a statement credit.

Other benefits included with the CIBC Dividend Visa Infinite

What else does this card include for an annual fee of $99?

There are 2 main perks this card offers.

Travel and purchase insurance

You'll get 9 types of travel and purchase insurance included. Some of the highlights include emergency medical coverage, trip interruption, and flight delay coverages.

Full details can be found by clicking on the insurance tab above.

Visa Infinite benefits

It's a Visa Infinite card, so you'll also receive the full suite of Visa Infinite benefits.

These benefits include:

  • Visa Infinite hotel collection,
  • Visa Infinite concierge, and
  • Visa Infinite dining series.

You can learn more about what the Visa Infinite program has to offer here.

Top alternative credit cards to consider

There's a lot to like with this card, but the 2% earning categories are a little restrictive.

Here are 2 other cards to take a look at.

The first is the , which also happens to be our top rated cash back card.

You'll earn more cash back at these earn rates:

  • 4% cash back on groceries and recurring bills,
  • 2% cash back on gas and transit, and
  • 1% cash back on all other purchases.

It does have a slightly higher annual fee of $120.

The other is the .

You'll earn 3% cash back on 3 different categories:

  • 3% cash back on gas, groceries, and recurring bills, and
  • 1% cash back on all other purchases.

Plus, it also offers free roadside assistance in case something happens to your ride while you're out on the road.

It has an annual fee of $120.

What are your thoughts?

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