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CIBC Dividend® Visa Infinite Card review

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Advertiser Disclosure

Annual Fee
$120.00
Interest Rate: Purchases
20.99%
Interest Rate: Purchases
20.99%
Balance Transfer
22.99%
Balance Transfer
22.99%
Rewards
1 - 4% cashback
Rewards
1 - 4% cashback
Signup Bonus
-
Signup Bonus
-


8.7/10
Informr score
The CIBC Dividend® Visa Infinite Card currently has an Informr score of 8.7 out of 10. This score is based on our evaluation of 5 sources including reviews from users and the web's most trusted critics.

Am I eligible?


CIBC Dividend® Visa Infinite Card is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be at least 18 years of age (AB, MB, ON, PE, QA, SK). 19 in all other provinces.
Yes Be a permanent or temporary resident of Canada
Yes Have a minimum personal income of $60000.

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Money.ca
Money.ca

The CIBC Dividend® Visa Infinite* Card is particularly well suited for families and long-distance commuters, given its high cash back rates on eligible gas and groceries and electric vehicle charging. The $120 annual fee is comparable to competing cash back cards with a similar level of benefits. We...

- Money.ca
Yore Oyster
Yore Oyster

The CIBC Dividend Visa Infinite Card is an award-winning credit card that offers 4% cash back on eligible everyday purchases. This credit card is best for frequent travelers who also want to earn cash back and access discounts on car rentals and gas stations. With an annual fee of $120, the CIBC Div...

- Victor, Yore Oyster
Forbes
Forbes

With some of the highest earn rates available in Canada, the CIBC Dividend Visa Infinite will put cash back in your pockets when you spend on essentials like groceries, gas, recurring bills and much more. Journie Rewards add even more value with fuel discounts that can save hundreds of dollars every...

- Candice Reeves, Aaron Broverman, Forbes
Rewards Canada
Rewards Canada

The CIBC Dividend Visa Infinite Card is a formidable cash back credit card that should be given consideration. The valuable welcome bonus offer coupled with strong accelerated earn rates make it an excellent choice for a cash back card in your wallet.. It doesn't hurt that it even has some travel in...

- Rewards Canada
Offerhub.ca
Offerhub.ca

With the insurance connected to the card, the CIBC Dividend Visa Infinite Card is a great choice for those who travel frequently. The auto rental, Out-of-Province emergency medical insurance, and travel protection insurance plans will help you if you experience problems while traveling.

- Offerhub.ca

Details


Interest Rates
Regular APR Interest Rate 20.99%
Balance Transfer Interest Rate 22.99%
Cash Advance Interest Rate 22.99%
Rates & Fees
Annual Fee $120.00

First year rebated

Balance Transfer Fee 3%

Maximum

Cash Advance Fee $5.00
Foreign Transaction Fee 2.5%

Transactions made in a foreign currency will be converted and posted to your account in Canadian currency.

Over Limit Fee $29.00

Fee not applicable to Quebec residents.

Late Payment Fee $0.00
Promotions
Sign up bonus
  • Earn 10% cash back for the first 4 statements on net purchases of up to $2,000
  • Get a first-year annual fee rebate for you and up to three Authorized Users
Rewards
All Purchases 1% cash back
Restaurants 2% cash back
Gas 4% cash back

Including electric vehicle charging stations

Groceries 4% cash back
Hotels No
Travel No
Pharmacy No
Bills 2% cash back

On payments made for recurring payments

Additional Details
  • 2% cash back on transportation
  • The 4% and 2% cash-back offers are only available on the first $80,000 in net annual card purchases, meaning all card purchases by all cardholders, at any type of merchant, or $20,000 on grocery stores, supermarkets, gas service stations and automated fuel-dispensers, commuter transportation, eating and drinking places and restaurants or on recurring payments on your account, whichever comes first
  • Get 0.25% cash back for every $1 spent on a CIBC Global Money Transfer. There are no transaction fees and you won’t be charged interest, as long as you pay your balance by the payment due date.
  • Save up to 10 cents per litre at Chevron, Ultramar and Pioneer gas stations when you link your card with Journie Rewards.
Features & Benefits
Additional Card Holders

$30 per year for each card

Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount Yes
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees No
Emergency Assistance Yes
Concierge Service Yes
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Google Pay
Virtual Cards No
Additional Benefits
  • Trip Interruption Insurance
  • Flight Delay and Baggage Insurance
  • Out-of-Province Emergency Travel Medical Insurance
  • Visa Infinite Dining Series
  • Visa Infinite Music Series
  • Visa Infnite Luxury Hotel Collection
  • Visa Sports Benefits
  • Emergency Card Replacement
  • Mobile Device Insurance

Eligibility
Minimum Security Deposit $0
Minimum Age

18 years in AB, MB, ON, PE, QA, SK. 19 years in all other provinces.

Minimum Personal Income $60,000 per year
Temporary Residents No
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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