The ClearFin bottom line
💵 4% Cashback
Its strongest published earn rate in our data is 4.0% on groceries. The $120 annual fee should be weighed against the rewards and benefits you expect to use.
Checked 2026-08-09 · Official issuer catalogueIndependent ClearFin review · CIBC
CIBC Dividend Visa Infinite
Start with up to $350 in value including first-year annual fee rebate.
Independent comparisonFees includedCanadian card data
- Annual fee
- $120
- Reward type
- Cash Back
- Welcome offer
- $370
- Insurance
- Not listed
Current new-cardmember offer
Confirm with the issuer
💵 4% Cashback
Welcome bonus
Up to $350 in value including first-year annual fee rebate
How to earn it
- 10% cash back up to $200Earn 10% cash back on net purchases during the first 4 monthly statement periods, up to $2,000 in purchases
- $50 cash backSet up and post at least 1 recurring bill payment within the first 4 monthly statements
- $120 annual fee rebateApproved for a new card account and maintain the account in good standing when the rebate is applied
Offer details
Offer available to new approved CIBC Dividend Visa Infinite cardholders. Transfers, product switches, and applicants who have opened, transferred, or cancelled a Dividend card within the previous 12 months are not eligible.
How you earn
- 4% cash back on eligible gas, electric vehicle charging, and grocery purchases
- 2% cash back on transportation, dining, recurring payments, and eligible travel booked through CIBC by Expedia
- 1% cash back on all other purchases
Costs and requirements
Fees & eligibility
Confirm final approval criteria and current rates directly with the issuer.
Annual fee$120
Purchase interest20.99%
Cash advance interest22.99%
Foreign transaction fee2.5%
Income requirement$60,000Issuer approval criteria apply
Household income$100,000Alternative minimum
Recommended credit score725+ Good to Excellent
The CIBC Dividend Visa Infinite Card is a premium cashback card that requires Visa Infinite income qualifications. It is generally best suited for applicants with established credit histories and strong credit profiles.
300Poor
560Fair
660Good
725+Very Good
760Excellent
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. Estimated approval range only and not published by CIBC. Approval depends on income, credit history, debt levels, payment history, existing credit relationships, and other underwriting factors. Meeting the income requirement alone does not guarantee approval.
Reward limits: The CIBC Dividend Visa Infinite Card does not impose a cap on the total amount of cash back that can be earned. Cashback is earned at the advertised category rates on eligible purchases.
Using your rewards
Redemption options
Redemption values and availability may vary by option and can change.
Redeem earned cash rewards using the issuer's available cash-back or statement-credit options.
Minimum redemption amounts, automatic payout timing, and eligible account credits vary by issuer; confirm the current program terms before applying.
Beyond the points
Benefits that come with the card
Consider these extras by the value they add to purchases and experiences you already use.
Mobile Device Insurance
Provides coverage for eligible mobile devices charged to the card, including protection against theft, loss, accidental damage, and mechanical breakdown.
Purchase Security Insurance
Protects eligible purchases against theft, loss, or damage for a specified period after purchase.
Extended Protection Insurance
Extends the original manufacturer's warranty by up to one additional year on eligible purchases.
Out-of-Province Emergency Travel Medical Insurance
Provides emergency medical coverage for eligible cardholders while travelling outside their province or territory of residence.
Car Rental Collision and Loss Damage Insurance
Provides coverage for eligible rental vehicles when the full rental cost is charged to the card and coverage conditions are met.
Common Carrier Accident Insurance
Provides up to $500,000 in coverage for accidental death or dismemberment while travelling on eligible common carriers.
Visa Infinite Benefits
Access to Visa Infinite privileges including concierge service, dining experiences, hotel benefits, and exclusive offers.
Journie Rewards Fuel Savings
Save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar, and Chevron locations when linked with Journie Rewards.
Show all 13 benefitsShow fewer
Avis and Budget Rental Discounts
Receive up to 30% off Avis Pay Now rates and up to 35% off Budget Pay Now rates at participating locations worldwide.
Global Money Transfer
Send money to over 120 countries with no transfer fee, no cash advance fee, and no interest when the balance is paid by the due date.
Skip+ Membership
Eligible cardholders can receive a complimentary Skip+ membership with delivery fee savings and monthly voucher benefits.
Disney Plus Statement Credit Offer
Eligible cardholders can receive statement credits on qualifying Disney+ Standard with Ads subscriptions during promotional periods.
CIBC Pace It Installment Plans
Convert eligible purchases into fixed monthly installment payments with predictable repayment terms.
Protection included
Insurance at a glance
No included coverage is verified in ClearFin's current catalogue.
Insurance is not currently listed for this product.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗The verdict
What we like
- High cashback rates on gas and groceries
- Comprehensive insurance coverage
- No cashback earning caps
Worth noting
- Annual fee after first year
- High income requirement
- Foreign transaction fee applies
ClearFin analysis
Our detailed review
A practical reading of where the card earns, what the fee buys, and which limits matter.
💵 4% Cashback
4% cashback on gas, EV & groceries. 2% on transport, dining, recurring bills & travel. 1% everything else.
How the rewards work
Groceries, Gas receive the strongest estimated return at 4.0%. Purchases outside the accelerated categories earn an estimated 1.0%.
What the annual cost means
Using the strongest estimated category return alone, roughly $3,000 in annual spending at that rate would equal the $120 fee before considering the value of insurance, partner benefits, or a welcome offer.
Who it may suit
This card is most relevant for someone who spends consistently on groceries and gas and can use enough of the included value to justify the yearly cost.
What to examine before applying
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
Other cards to examine
Browse all 126 cards →Compare your alternatives
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.