CIBC · Visa · cash back
Dividend Visa Infinite
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Terms read from CIBC's page on Oct 16, 2026.
Year 1, after fees
$1,087
Year 2+, after fees
$767
every year after
3 years, after fees
$2,620
Break-even
Month 1
Earn rate by category
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
On each spending preset
After fees; points at their cash value. "~" marks estimates.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student ($985/mo) | $475 | $155 | $784 | Month 1 |
| Couple ($2,555/mo) | $865 | $545 | $1,956 | Month 1 |
| Family ($3,350/mo) | $1,087 | $767 | $2,620 | Month 1 |
| Frequent traveller ($3,880/mo) | $1,030 | $710 | $2,451 | Month 1 |
| Big spender ($7,960/mo) | $1,906 | $1,586 | $5,079 | Month 1 |
Who it suits
- People who spend a lot on groceries and gas, where it earns above its base rate.
- Even light spenders: on a student's $985 a month it still earns back its fee.
Who should skip it
- Spending abroad: 2.5% on every foreign-currency purchase.
- Anyone below the published income minimum ($60,000 personal or $100,000 household).
Fees and rates
- Annual fee
- $120, waived in year 1
- Additional card
- $50
- Foreign transaction fee
- 2.5%
- Purchase APR
- 21.99%
Rewards
- 4% on gas, EV charging and groceries, on the first $80,000 a year in all
- 2% on transportation, dining and recurring payments, on the first $80,000 a year in all
- 2% on travel through CIBC by Expedia, on the first $80,000 a year in all
- 1% on everything else
Eligibility and availability
- Income
- $60,000 personal or $100,000 household
- Provinces
- All (no restriction stated)
Published requirements only. We don't estimate approval odds.
Assumptions
- Cash back: Paid in cash, so the value is exact, not an estimate.
- Welcome bonus: 10% back on up to $2,000 in purchases in the first 4 statements. Your spending meets it in month 1.
- Travel portal: Portal-only rates aren't counted, since you book directly.
- Note: The first-year fee is rebated.
- Note: The welcome offer is 10% back on up to $2,000 in the first 4 statements; it's counted once you reach $2,000. A further $50 bonus has conditions and isn't counted.
- Note: CIBC's site doesn't state every term; the ones it doesn't are from third-party sites, cited in the sources.
- Note: The 4% and 2% rates stop after $80,000 of purchases a year; here the cap counts only spending in those categories, so it's slightly generous for very high spenders.
Earns more every year after year 1
On a family's spending, these keep more value from year 2 than this card's $767.
Scotiabank Gold American ExpressYear 2+ $940
American Express SimplyCash PreferredYear 2+ $936
Head to head
Frequently asked questions
Is the CIBC Dividend Visa Infinite worth it?
On a family's spending ($3,350 a month, points at their cash value), it's worth $1,087 in year 1 and $767 a year after that, after a $120 annual fee, waived in the first year. It covers its fee by month 1.
What is the CIBC Dividend Visa Infinite welcome offer?
10% back on up to $2,000 in purchases in the first 4 statements.
Does the CIBC Dividend Visa Infinite charge foreign transaction fees?
Yes, 2.5% of each purchase in a foreign currency.
What income do you need for the CIBC Dividend Visa Infinite?
CIBC publishes a minimum of $60,000 personal income or $100,000 household income. Approval depends on more than income, and we don't estimate approval odds.
Sources
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Compare it with 39 other cards on the Canadian card comparison or read how cards are valued.