CIBC Dividend Visa Infinite Card
C$120 annual fee · 1% on everything else · 2.5% foreign transaction fee
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Groceries | 4% | uncapped |
| Gas | 4% | uncapped |
| EV charging | 4% | uncapped |
| Transit | 2% | uncapped |
| Dining | 2% | uncapped |
| Recurring | 2% | uncapped |
| Everything else | 1% | uncapped |
| Issuer travel portal portal only — pays only if you book through the issuer's own site, so it is excluded from every ranking on this site |
2% | uncapped |
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Signup bonus: C$200 back after C$2,000 in 4 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. 10% cash back on net purchases up to $2,000 for the first 4 statements (up to $200), plus a $50 cash back bonus for setting up one pre-authorized payment (not counted).
Non-cash perks
- First year fee rebated on current offer
- No annual cash-back cap
- Fuel savings at Journie/Pioneer partners
Does the fee earn out? · how we got this
The C$120 fee minus C$0 in printed credits leaves C$120/yr to earn back through rewards — roughly C$3,000 of groceries spending at 4%. Whether that clears depends on your actual spending.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- Anyone who spends abroad. Every purchase in a foreign currency carries a 2.5% foreign transaction fee. On a card earning 1.0¢ per dollar at the base rate, that fee costs more than the rewards on the same purchase.
More from CIBC
- CIBC Aventura Visa Infinite Card C$139/yr
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-15 against issuer terms · sources: www.cibc.com. Spot an error? Tell us.