Independent ClearFin review · CIBC
Full earn rates, fees and benefits for the CIBC Dividend Visa.
Offers can change without notice
Confirm with the issuer
💸 No-Fee CashbackIts strongest published earn rate in our data is 2.0% on groceries. With no annual fee, it can be easier to keep long term without needing rewards to offset a yearly cost.
Checked 2026-08-09 · Official issuer catalogueIssuer promotions change frequently. Check the card's official page before applying.
Confirm final approval criteria and current rates directly with the issuer.
The CIBC Dividend Visa Infinite Card is a premium cashback product intended for applicants with strong credit profiles and stable income. It offers higher earn rates on everyday spending categories compared to lower-tier Dividend cards.
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 is subject to full credit underwriting, including income verification, credit history, debt servicing capacity, and existing credit obligations. Meeting minimum income thresholds does not guarantee approval.
Reward limits: The CIBC Dividend Visa Infinite Card does not impose any cap on total cash back earnings. Cashback is earned at the stated category rates on eligible purchases without an annual or lifetime limit.
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.
Consider these extras by the value they add to purchases and experiences you already use.
Purchase Security Insurance
Provides protection against loss, theft, or damage of eligible items purchased with the card for a limited period after purchase.
Extended Warranty Insurance
Extends the manufacturer’s warranty by up to one additional year on most eligible purchases.
Journie Rewards Fuel Savings
Save up to 10 cents per litre at participating gas stations when linking and using Journie Rewards with an eligible CIBC card.
Global Money Transfer Fee Waiver
Send money internationally with no transfer fee and no cash advance interest when the balance is paid by the due date.
Car Rental Discounts
Save up to 30% on Avis Pay Now and up to 35% on Budget Pay Now rentals at participating locations worldwide.
Visa Signature Benefits
Access to Visa Signature perks such as exclusive offers, experiences, and partner discounts.
Skip+ Membership Offer
Eligible cardholders can receive a complimentary Skip+ membership with delivery fee savings and monthly voucher benefits.
Disney+ Statement Credit Offer
Eligible cardholders may receive statement credits on qualifying Disney+ Standard with Ads subscriptions for a limited promotional period.
Card Management Tools
Includes spend alerts, fraud monitoring, card locking, and digital dispute resolution through CIBC Online and Mobile Banking.
No included coverage is verified in ClearFin's current catalogue.
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 ↗What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
2% cashback on groceries. 1% on gas, EV, transport, dining, bills & travel. 0.5% everything else. No fee.
Groceries receive the strongest estimated return at 2.0%. Purchases outside the accelerated categories earn an estimated 0.50%.
There is no annual fee to recover, which can make the card easier to keep for credit-history length or occasional use. Interest and other transaction fees can still apply.
This card is most relevant for someone who spends consistently on groceries and dining and prefers to avoid a yearly fee.
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.
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.
