CIBC Dividend® Visa Infinite* Card review
Apr 23, 2025
While we adhere to strict editorial guidelines, partners on this page may provide us earnings.
Overall rating
First year value
$878
Get this card if you:
- want high cash back rates on groceries, gas and recurring bills
- value comprehensive insurance benefits
- value a great welcome offer
Scores by category
Groceries 3.4
Cash Back 3.4
Welcome Bonus 3.2
At a glance
The CIBC Dividend® Visa Infinite* Card is a cash back credit card offering elevated earn rates on categories such as groceries, gas, transportation, dining, and recurring payments. Cardholders benefit from features like purchase security, extended protection, and optional insurance coverages. It's a good option for those seeking to maximize cash back on everyday spending.
Highlights
$878
First year value
10% cash back†
Welcome bonus
$120
Annual fee
First year rebated†. Each additional card is $30 per year, max 3 — first year rebated†
Interest Rates
20.99%
Purchase APR
22.99%
Balance transfer APR
22.99%
Cash advance APR
Eligibility
Good
Recommended credit score
$60,000
Required annual personal income
$100,000
Required annual household income
Quick overview of CIBC Dividend® Visa Infinite* Card
Unlike most cash back cards with hidden limitations, the CIBC Dividend Visa Infinite delivers real value. We love the 4% cash back on eligible gas, EV charging, and grocery purchases†, plus 2% cash back on eligible transportation, dining purchases and recurring payments†.
Even better, the spending caps are reasonable for most Canadians. Just pair it with the right travel card (as this one is a little weak on travel insurance) for the perfect combo.
Who’s the CIBC Dividend® Visa Infinite* Card Card for?
Perhaps unexpectedly, the CIBC Dividend Visa Infinite Card is perfect for the food-motivated individual. It’s one of the rare cards that offers an elevated cash back bonus on both grocery stores and dining. So, if (like me) you want a credit card for both your home chef creations and your fancy date nights — this card is made for you.
Others who will find value with the Dividend Visa Infinite Card include:
- Families with significant grocery and gas spending who can maximize the bonus cash back categories
- Commuters who use public transit, taxis, or rideshares regularly
- Canadians with multiple subscription services and recurring bills
Pros and cons of the CIBC Dividend® Visa Infinite* Card
Pros
- First-year annual fee rebate†
- 10% cash back welcome bonus up to $2,000† spend
- 4% cash back on gas, electric vehicle charging and grocery stores
- 2% cash back on transportation, dining and recurring payments
- High annual spending cap on benefits ($20,000 in bonus categories or $80,000 total)
Cons
- High income requirement
- Sparse travel insurance offering
A real user experience using the card | cash back, app and insurance
CIBC Dividend® Visa Infinite* Card welcome bonus
The CIBC Dividend® Visa Infinite* Card comes with a pretty straightforward sign-up bonus for new accounts:
- Earn 10% cash back for the first 4 statements on net purchases of up to $2,000.† Plus, get a first-year annual fee rebate for you and up to three Authorized Users.†
We estimate this welcome bonus to be valued at $320.
How to earn cash back on the CIBC Dividend® Visa Infinite* Card
Earning cash back on this card is simple:
- Earn 4% cash back on eligible gas, EV charging, and grocery purchases†
- Earn 2% cash back on eligible transportation, dining purchases and recurring payments†
- Earn 1% cash back on all other purchases†
Like I said, all you have to do is eat and drive (foodie road trip, anyone?). Keep this card at the front of your wallet for your weekly grocery store trips and gas station visits to get that generous 4% cash back bonus.
The elevated cash back rates apply up to $20,000 in purchases in these bonus categories, annually — after that it’s back to a 1% cash back. Not bad, all things considered.
- There's no need to wait for an annual payout date
- You control when to receive your rewards
- Cash back is calculated monthly based on net purchases during each statement period
- Cash back does not expire as long as your account remains open and in good standing
How to redeem cash back with the CIBC Dividend® Visa Infinite* Card
This card allows you to redeem your cash back rewards any time of the year - a great feature.
You can do that by accessing CIBC online banking or the mobile app, and clicking on the card to redeem your accumulated rewards. After that, your cash back rewards will show up as a credit on your statement.
The catch? You need to have accumulated at least $25 in cash back rewards to redeem.
For the truly lazy (clicking a few buttons is a lot of work!), you can also wait until your January statement each year — after which, the cash back rewards will be automatically redeemed as a statement credit.
- Only primary cardholders can redeem cash back (not authorized users)
- Minimum redemption amount is $25
- Redemptions process within 5 days
- Unredeemed cash back automatically applies as credit after December statement
- Account must be open and in good standing to earn and redeem cash back
CIBC Dividend® Visa Infinite* Card key benefits
- Earn 4% cash back on eligible gas, EV charging, and grocery purchases†
- Earn 2% cash back on eligible transportation, dining purchases and recurring payments†
- Earn 1% cash back on all other purchases†
-
Generous welcome bonus of up to 10% cash back†
What makes this card particularly attractive is its flexible redemption system. Unlike many competitors that restrict redemptions to once annually, CIBC allows cardholders to access their cash back whenever they want throughout the year, provided they've accumulated at least $25. This gives you greater control over your rewards.
We rate the CIBC Dividend Visa infinite credit card because of the impressive value for money it provides. We estimate that the card provides up to $878 in first-year value (including the welcome bonus that we value at $320).
CIBC Dividend® Visa Infinite* Card insurance coverage
| Insurance | Coverage amount |
|---|---|
| Extended warranty | For items bought on this card with warranty, an extra 1 year following the expiry of the original warranty will be added |
| Purchase protection | Provides coverages for certain items bought with the card, if these items are lost, stolen and damaged (up to 90 days from date of purchase). |
| Mobile device | Provides coverage for mobile devices that are lost, stolen or accidentally damaged up to $1,000 per occurrence, per insured person. Either the full device cost was paid with this card, or any portion of the price is financed with the card through a Canadian wireless service provider |
| Travel accident insurance | Coverage for accidental death or dismemberment, resulting from riding as a passenger on a common carrier are covered up to $500,000 |
| Emergency medical insurance | Up to $5 million of coverage for 10 consecutive days, for cardholders under 65. No coverage for cardholders over 65 |
| Car rental insurance | Rental cars charged to this card will be covered for a rental period of 48 days (for rental cars up to $65,000 in value) |
- Save up to 10 cents per litre at participating gas stations (e.g. On the Run, Pioneer, Fas Gas, Ultramar and Chevron locations) by linking the CIBC Dividend® Visa Infinite* Card with Journie Rewards
- Get 25% off auto rentals at participating Avis and Budget locations worldwide
- Send money abroad with $0 transfer fee (cash advance fees don’t apply)
The online community raved about this card’s compatibility with Journie rewards — a program that allows you to save three cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations (plus an additional seven cents/litre each time you earn 300 Journie points).
While not a “make or break” benefit, it’s a nice addition that cements the CIBC Dividend Visa Infinite as a great daily spending card.
CIBC Dividend Visa Infinite is also great particularly if you drive a lot as it works with Journie Rewards to save on gas.
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How CIBC Dividend® Visa Infinite* Card compare
up to $650 in value†
Welcome Bonus
$1,220
First Year Value
$570
Annual Value
Welcome Bonus: Get up to $650 in value including $40 cash back each month in your first year. Plus get the $120 annual fee waived in the first year.†
Get this card if you...
- are a high-earner looking to earn cash back
- want great perks like travel insurance and concierge services
- value a great welcome offer
Annual Fee & Annual Interest Rates
$120
Annual Fee
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
Our Take
The BMO CashBack® World Elite®* Mastercard®* is a premium credit card offering elevated cash back rates on categories such as groceries, transit, gas, and recurring bill payments. Cardholders benefit from complimentary roadside assistance, comprehensive insurance coverage, and flexible cash back redemption options, so you can maximize your rewards on everyday spending.
Eligibility
Excellent (740+)
Recommended Credit Score
$80,000
Required Annual Personal Income
$150,000
Required Annual Household Income
Pros
- Valuable sign-up bonus
- High 5% cash back rate on groceries
- Free roadside assistance
- Excellent extended warranty and purchase protection terms
Cons
- Restrictive spending limits for most cash back categories
- Sign-up bonus structure is head-scratchingly complicated
- High minimum income requirements
Annual Interest Rates
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
Fees
$120
Annual Fee
2.50%
Foreign Transaction
Rewards cash back
5%
Groceries: 5% cash back up to $500 spent per month ($25 in cash back)*
4%
Transit: 4% cash back up to $300 spent per month ($12 in cash back)*
3%
Gas: 3% cash back up to $300 spent per month ($9 in cash back)*
2%
Recurring Bills: 2% cash back up to $500 spent per month ($10 in cash back)*
1%
Everything Else: 1% cash back, unlimited*
Insurance Benefits
$2,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$65,000
Rental car insurance amount
Get up to $650 in value including $40 cash back each month in your first year. Plus get the $120 annual fee waived in the first year.†
Plus, get a 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*
Also, enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
*Terms and Conditions apply,
Our Take
The BMO CashBack® World Elite®* Mastercard®* is a premium credit card offering elevated cash back rates on categories such as groceries, transit, gas, and recurring bill payments. Cardholders benefit from complimentary roadside assistance, comprehensive insurance coverage, and flexible cash back redemption options, so you can maximize your rewards on everyday spending.
Eligibility
Excellent (740+)
Recommended Credit Score
$80,000
Required Annual Personal Income
$150,000
Required Annual Household Income
Pros
- Valuable sign-up bonus
- High 5% cash back rate on groceries
- Free roadside assistance
- Excellent extended warranty and purchase protection terms
Cons
- Restrictive spending limits for most cash back categories
- Sign-up bonus structure is head-scratchingly complicated
- High minimum income requirements
Annual Interest Rates
21.99%
Purchase
23.99%
Cash Advance
23.99%
Balance Transfer
Fees
$120
Annual Fee
2.50%
Foreign Transaction
Rewards cash back
5%
Groceries: 5% cash back up to $500 spent per month ($25 in cash back)*
4%
Transit: 4% cash back up to $300 spent per month ($12 in cash back)*
3%
Gas: 3% cash back up to $300 spent per month ($9 in cash back)*
2%
Recurring Bills: 2% cash back up to $500 spent per month ($10 in cash back)*
1%
Everything Else: 1% cash back, unlimited*
Insurance Benefits
$2,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$65,000
Rental car insurance amount
Get up to $650 in value including $40 cash back each month in your first year. Plus get the $120 annual fee waived in the first year.†
Plus, get a 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*
Also, enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
*Terms and Conditions apply,
The CIBC Dividend Visa Infinite gives you 4% back on groceries and gas, while BMO's World Elite offers 5% on groceries and 3% cash back on gas and EV charging% on gas. BMO has a better welcome bonus worth around $650 in the first year compared to CIBC's $320.
The biggest practical difference? CIBC lets you redeem your cash back whenever you want, but BMO makes you wait for an annual January payout. CIBC is also easier to qualify for with a $60K income requirement versus BMO's $80K.
If you spend more on groceries than gas and don't mind waiting for your rewards, go with BMO. If you value flexibility and spend heavily on gas, CIBC is your better bet.
Disclosures:
- *Terms and conditions apply.
-
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.
10% cash back
Welcome Bonus
$914
First Year Value
$594
Annual Value
Get this card if you...
- want high cash back rates
- value a great welcome offer
- want comprehensive insurance benefits
Annual Fee & Annual Interest Rates
$120
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The Scotiabank Momentum® Visa Infinite* Card is a cash back credit card offering elevated earn rates on purchases in categories such as groceries, recurring bill payments, gas, and daily transit. Cardholders benefit from a competitive welcome bonus, comprehensive insurance coverage, and the potential to have the annual fee waived by bundling the card with certain Scotiabank chequing accounts.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- High earn rate on everyday spending categories
- Comprehensive travel and purchase insurance
- Visa Infinite perks such as concierge, events, and special offers
- 25% Car rental discounts at Avis and Budget
- Mobile device insurance
- Up to $200 welcome bonus
Cons
- Income requirements are higher: $60k personal or 100k household
- Cash back can only be redeemed once a year
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$120
Annual Fee
2.50%
Foreign Transaction
$5
Cash Advance
$29
Over The Limit Penalty
Rewards cash back
4%
For every $1 you spend on grocery store purchases, recurring bill payments and subscription purchases
2%
For every $1 you spend on gas and daily transit purchases
1%
Cash back on all other purchases with no cash back limit
Insurance Benefits
$1,000
Mobile device insurance amount
$500,000
Travel accident insurance amount
$65,000
Rental car insurance amount
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on additional cards.
To qualify for these offers make sure to open a new Scotiabank Momentum® Visa Infinite* credit card account between March 3, 2025 and October 31, 2025.
To earn 10% cash back, make sure to use your new card to make everyday eligible purchases and earn 10% cash back on the first $2,000 you spend in your first 3 months from account opening.
Once you qualify, we’ll credit your account in 2 instalments:
Bonus Cash Back: The amount earned under the Cash Back Bonus Rate will be credited to your Account within approximately 7 months from the account open date; and
Regular Cash Back: The amount earned under your regular Cash Back Program Rate will be credited to your Account according to the regular cash back payment schedule as set out under the Program (i.e., November).
Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for these offers.
See terms and conditions for full details.
Rates, fees and other information are effective as of July 2, 2025. Subject to change.
Our Take
The Scotiabank Momentum® Visa Infinite* Card is a cash back credit card offering elevated earn rates on purchases in categories such as groceries, recurring bill payments, gas, and daily transit. Cardholders benefit from a competitive welcome bonus, comprehensive insurance coverage, and the potential to have the annual fee waived by bundling the card with certain Scotiabank chequing accounts.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- High earn rate on everyday spending categories
- Comprehensive travel and purchase insurance
- Visa Infinite perks such as concierge, events, and special offers
- 25% Car rental discounts at Avis and Budget
- Mobile device insurance
- Up to $200 welcome bonus
Cons
- Income requirements are higher: $60k personal or 100k household
- Cash back can only be redeemed once a year
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$120
Annual Fee
2.50%
Foreign Transaction
$5
Cash Advance
$29
Over The Limit Penalty
Rewards cash back
4%
For every $1 you spend on grocery store purchases, recurring bill payments and subscription purchases
2%
For every $1 you spend on gas and daily transit purchases
1%
Cash back on all other purchases with no cash back limit
Insurance Benefits
$1,000
Mobile device insurance amount
$500,000
Travel accident insurance amount
$65,000
Rental car insurance amount
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on additional cards.
To qualify for these offers make sure to open a new Scotiabank Momentum® Visa Infinite* credit card account between March 3, 2025 and October 31, 2025.
To earn 10% cash back, make sure to use your new card to make everyday eligible purchases and earn 10% cash back on the first $2,000 you spend in your first 3 months from account opening.
Once you qualify, we’ll credit your account in 2 instalments:
Bonus Cash Back: The amount earned under the Cash Back Bonus Rate will be credited to your Account within approximately 7 months from the account open date; and
Regular Cash Back: The amount earned under your regular Cash Back Program Rate will be credited to your Account according to the regular cash back payment schedule as set out under the Program (i.e., November).
Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for these offers.
See terms and conditions for full details.
Rates, fees and other information are effective as of July 2, 2025. Subject to change.
The Scotia Momentum is a great cash back option, thanks to its balanced approach, with 4% cash back on both groceries and recurring payments—ideal for households with numerous subscription services and utility bills.
It offers the most comprehensive travel insurance package, including 25-day emergency medical coverage (10 days longer than CIBC) plus trip cancellation/interruption protection.
Disclosures:
-
Conditions Apply. Visit here for the Scotiabank Momentum® Visa Infinite* Card to learn more.
10% cash back
Welcome Bonus
$767
First Year Value
$468
Annual Value
Welcome Bonus: Get a first-year annual fee rebate for you and up to three Authorized Users† and earn 10% cash back for the first 4 statements on net purchases of up to $2,000†.
Get this card if you...
- want to earn cash back on everyday purchases
- value a generous welcome offer
- want additional perks such as travel insurance
Annual Fee & Annual Interest Rates
$99
Annual Fee
20.99%†
Purchase
22.99%†
Cash Advance
22.99%†
Balance Transfer
Our Take
The CIBC Dividend Platinum® Visa* Card is a cash back credit card that rewards cardholders for everyday purchases, particularly in categories like gas, EV charging, and groceries. It also offers additional benefits such as car rental savings and access to the CIBC Mobile Banking App for convenient account management.
Eligibility
Very Good (671 - 739)
Recommended Credit Score
$15,000
Required Annual Household Income
Pros
- Very impressive welcome offer
- Elevated cash back rates (2-3%) in five everyday spending categories†
- No limit in total cash back you can collect
- The $15,000 minimum annual income requirement† is very low for a cash back card of this calibre
Cons
- $99 annual fee may not be worthwhile for all consumers
- The $20K annual spending limit for earning cash back at the accelerated 2-3% rates is lower than the limits offered by some competing cash back credit cards
Annual Interest Rates
20.99%†
Purchase
22.99%†
Cash Advance
22.99%†
Balance Transfer
25.99%†
Penalty
Fees
$99
Annual Fee
2.50%†
Foreign Transaction
$29
Over The Limit Penalty
$42.5
Return Penalty
Rewards cash back
3%
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†
$500,000
common carrier accident insurance
$65,000
MSRP for rental cars for up to 48 consecutive days
Insurance Benefits
$500,000
Travel accident insurance amount
$65,000
Rental car insurance amount
Get a first-year annual fee rebate for you and up to three Authorized Users† and earn 10% cash back for the first 4 statements on net purchases of up to $2,000†.
Our Take
The CIBC Dividend Platinum® Visa* Card is a cash back credit card that rewards cardholders for everyday purchases, particularly in categories like gas, EV charging, and groceries. It also offers additional benefits such as car rental savings and access to the CIBC Mobile Banking App for convenient account management.
Eligibility
Very Good (671 - 739)
Recommended Credit Score
$15,000
Required Annual Household Income
Pros
- Very impressive welcome offer
- Elevated cash back rates (2-3%) in five everyday spending categories†
- No limit in total cash back you can collect
- The $15,000 minimum annual income requirement† is very low for a cash back card of this calibre
Cons
- $99 annual fee may not be worthwhile for all consumers
- The $20K annual spending limit for earning cash back at the accelerated 2-3% rates is lower than the limits offered by some competing cash back credit cards
Annual Interest Rates
20.99%†
Purchase
22.99%†
Cash Advance
22.99%†
Balance Transfer
25.99%†
Penalty
Fees
$99
Annual Fee
2.50%†
Foreign Transaction
$29
Over The Limit Penalty
$42.5
Return Penalty
Rewards cash back
3%
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†
$500,000
common carrier accident insurance
$65,000
MSRP for rental cars for up to 48 consecutive days
Insurance Benefits
$500,000
Travel accident insurance amount
$65,000
Rental car insurance amount
Get a first-year annual fee rebate for you and up to three Authorized Users† and earn 10% cash back for the first 4 statements on net purchases of up to $2,000†.
The Platinum version offers a more accessible entry point with its lower minimum income requirement and annual fees.
The main compromise is the lack of emergency travel medical insurance and slightly lower earn rates across categories. It's ideal for students or young professionals building their credit profile while still earning meaningful rewards.
Disclosures:
-
This is a digital-exclusive offer.†
To be eligible for this offer:
1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and
2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.†
This offer is reserved for you. Please do not forward it to anyone else.
CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months.†
Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by our advertising partners.
Is the CIBC Dividend® Visa Infinite* Card worth it?
Yes — the CIBC Dividend Visa Infinite is a fantastic cash back card with rewards that justify its annual fee. Like with any card, you should review your spending habits to make sure you’re getting the most of this card’s bonus categories.
Additionally, I recommend you pair this card with a separate travel credit card for your vacation purchases. You don’t want to get stuck relying on the CIBC card’s travel insurance policy.
CIBC Dividend® Visa Infinite* Card eligibility criteria
- $60,000 personal or $100,000 household income
- Good (760+) credit score
- The information for the CIBC Dividend® Visa Infinite* Card has been collected independently by Money.ca. The card details on this page have not been reviewed or provided by the card issuer.
-
This is a digital-exclusive offer.†
To be eligible for this offer:
1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and
2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you.†
This offer is reserved for you. Please do not forward it to anyone else.
CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months.†
Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by our advertising partners.
FAQs
Cameron Smonk
Freelance Writer
Cam is a content marketer with a passion for saving, financial independence, and pulling off elaborate credit card point schemes. He has worked in Fintech and Finserve (specifically Group Retirement) and loves researching and writing about finance.
Cory Santos
Senior Reporter
Cory Santos is a finance writer, editor and credit card expert with nearly a decade of experience in personal finance. Cory joined Wise Publishing from BestCards, with bylines in numerous print and digital publications across North America, including the Miami Herald, BlogTO, Debt.ca, AOL, MSN and Medium as well as financial podcasts like KOFE Talk. He's also the creator and author of the annual Money.ca Credit Card Awards.
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†Terms and Conditions apply.