Cash BackVisa

CIBC Dividend Visa Infinite Card

CIBC

Cash back card with 4% on gas and groceries (no cap), 2% on dining/transit/recurring, plus Journie fuel savings.

The CIBC Dividend Visa Infinite Card is a CIBC Visa card with a $120 annual fee. It earns 4% cash back on Eligible gas, EV charging, groceries. Listed welcome offer value: Up to $350 (or $850 with CIBC Smart Account bundle).

Last updated October 9, 2026Source: issuer page

Key facts

Annual fee: $120
Purchase interest rate: 21.99%
Cash advance rate: 22.99%
Earn rates: 4% cash back on Eligible gas, EV charging, groceries; 2% cash back on Transportation, dining, recurring payments; 2% cash back on Travel booked via CIBC by Expedia; 1% cash back on All other purchases
Welcome offer: Up to $350 (or $850 with CIBC Smart Account bundle)
Foreign transaction fee: 2.5%
Income requirement: $60,000 personal, or $100,000 household

How this score is calculated

Formula

Net annual value(50%)5.0
Welcome bonus(15%)4.4
Foreign transaction fee(10%)2.5
Insurance & perks(15%)3.1
Purchase interest rate(10%)2.5

What are the fees and rates?

Verified 2026-10-09

Annual Fee

$120

Additional card: $50

Purchase Interest Rate

21.99%

Cash advance: 22.99%

Minimum Income

$60,000 personal

or $100,000 household

Foreign Transaction Fee

2.5%

What rewards does this card earn?

The CIBC Dividend Visa Infinite Card earns 4% cash back on Eligible gas, EV charging, groceries.

Eligible gas, EV charging, groceries

4% cash back

Transportation, dining, recurring payments

2% cash back

Travel booked via CIBC by Expedia

2% cash back

All other purchases

1% cash back

Is there a welcome offer?

Yes. The listed welcome offer value is Up to $350 (or $850 with CIBC Smart Account bundle).

Up to $350 value: 10% cash back for first 4 statements (up to $200 on $2,000 spend) + $50 for setting up 1 recurring payment within 4 statements + first-year annual fee rebate ($120)

Value: Up to $350 (or $850 with CIBC Smart Account bundle)

New approvals from July 16, 2026. Not available if you opened/transferred/cancelled a Dividend card in last 12 months.

Pros

4% on gas and groceries - no annual cap
Strong welcome offer up to $350
First year fee rebated (plus up to 3 additional cards)
Journie gas savings stacks

Cons

$120 annual fee after first year
Balance transfers at cash advance rate (22.99%)

What perks are included?

4% on gas, EV, groceries - no limit on total cash back
Up to 10¢/L off at Pioneer, Fas Gas, Ultramar, Chevron via Journie Rewards
Free Skip+ membership + $10 monthly voucher
50% off Disney+ for 6 months
Up to 30% off Avis / 35% off Budget
Visa Infinite benefits: hotel, dining, concierge

What insurance is included?

Mobile Device Insurance

Travel Emergency Medical – Out-of-province

Purchase Security & Extended Protection

Car Rental Collision/Loss Damage

Common Carrier Accident – $500K

Frequently asked questions

What is the annual fee on the CIBC Dividend Visa Infinite Card?

The CIBC Dividend Visa Infinite Card has a $120 annual fee.

What rewards does the CIBC Dividend Visa Infinite Card earn?

4% cash back on Eligible gas, EV charging, groceries; 2% cash back on Transportation, dining, recurring payments; 2% cash back on Travel booked via CIBC by Expedia; 1% cash back on All other purchases

What is the purchase interest rate on the CIBC Dividend Visa Infinite Card?

The purchase interest rate is 21.99%. The cash advance rate is 22.99%.

Is there a welcome offer on the CIBC Dividend Visa Infinite Card?

Up to $350 value: 10% cash back for first 4 statements (up to $200 on $2,000 spend) + $50 for setting up 1 recurring payment within 4 statements + first-year annual fee rebate ($120) Listed value: Up to $350 (or $850 with CIBC Smart Account bundle).