CIBC Dividend^® Visa Infinite^* Card (QC)

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.

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Rates & fees
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$203^◊

Welcome bonus

10% cash back

$456^◊
Annual rewards
Learn more

Find your top card|Read our disclosure

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Credit estimate:

(660 - 724)

Instant approval: Yes

CIBC Dividend^® Visa Infinite^* Card (QC)

3.5 Genius Rating

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Apply Now Add to wallet

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.

See rates

Rates & fees
Learn more

$203^◊

Welcome bonus

10% cash back

$456^◊
Annual rewards
Learn more

Credit estimate:

(660 - 724)

Instant approval: Yes

Find your top card |Read our disclosure

Monthly Spending:

View Breakdown

Pros & cons

Pros

10% cash back for the first 4 months, up to $2,500 in spend
4% cash back on gas and groceries.
2% cash back restaurants, transportation, and recurring bill payments.
Save up to 10 cents per litre on fuel at Journie Rewards gas stations.

Cons

Lower insurance coverage compared to similar credit cards.
High income requirements of either $60,000 personal or $100,000 household.

Your rewards

Getting your welcome bonus

Based on $2,000 in monthly spending, you can get up to 10% in your first 4 months on up to $2,500 in spending which translates to an estimated $203.^◊

For all welcome bonus details click here.

How you earn rewards

Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With CIBC Dividend Visa Infinite Card (QC), here's how you earn rewards:

4% cash back on eligible gas , EV charging , and groceries
2% cash back on eligible restaurants , transportation , EV charging , and recurring bills
1% cash back on all other purchases

For all reward details click here.

How much your rewards are worth

The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For CIBC Dividend Visa Infinite Card (QC) in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose:

Statement credits

$456

Statement credits

$456

Calculating your annual rewards

$24,000 annual spending x 1.90% return on spending = $456 annual rewards

$456 annual rewards − $120.00 annual fee = $336 net annual rewards

Details and eligibility

Do I qualify?

Estimated Credit Score: 660 - 724
Personal Income: $60,000
Household Income: $100,000

Fees

Annual Fee: $120.00
Extra Card Fee: $30
Card type: Credit

Interest rates

Purchase: 21.99%
Cash Advance: 21.99%
Balance Transfer: 21.99%

Insurance coverage

Extended Warranty: 1 year
Purchase Protection: 90 days
Mobile Device: $1,000
Travel Accident: $500,000
Emergency Medical Term: 10 days
Rental Car Theft & Damage: Yes

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

Learn more about the value of credit card insurance coverage.

Genius Rating

CIBC Dividend Visa Infinite Card (QC)'s 3.5 Genius Rating is based on the weighted average of the following scores:

Methodology

All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.

Learn more about our rating methodology.

Key benefits

Welcome Offer: Join and earn over $400 in value including a first year annual fee rebate. Here's how you can earn over $400 in value.^†
Earn a 10% cash back welcome bonus of up to $250 (first 4 statements).^†
A $50 cash back bonus for setting up one pre-authorized payment within the first 4 monthly statements.^†
First year annual fee rebate valued at $120.^†
After that, get 4% cash back on eligible gas, EV charging, and grocery purchases.^†
2% cash back on eligible transportation, dining purchases and recurring payments.^†
1% cash back on all other purchases.^†
Get cash back on demand - redeem your cash back at any time when you have a minimum of $10 through CIBC Online and Mobile Banking^®.^†

Offer Terms

† Terms and Conditions Apply. Select Apply Now to learn more.

This offer is only available to residents of Quebec. For residents of other provinces/territories, please click here.

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Province:

200 Champlain St. Suite 210, Dieppe, NB E1A 1P1

^◊ The creditcardGenius algorithm, based on our Rating Methodology, calculates an estimated dollar value for all rewards and bonuses by combining typical monthly spending with well-researched reward point value estimates. "Annual Rewards" is calculated by combining our default $2,000 in monthly spending ($24,000 annually) spread across 8 different spending categories (gas, groceries, travel, etc) with our point value estimates. "Welcome Bonus" is calculated by combining all one-time bonuses available to new cardholders within the first year with our point value estimates. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. "Annual Interest Savings" is based on a credit card balance of $8,000 and a standard credit card interest rate of 19.99%. Annual Rewards, Welcome Bonus, and Annual Interest Savings values will change if the person adjusts their monthly spending away from the $2,000 monthly default or changes their reward preferences.

*,^† Terms and conditions apply.

CIBC Dividend^® Visa Infinite^* Card (QC)

CIBC Dividend^® Visa Infinite^* Card (QC)

Pros & cons

Pros

Cons