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CIBC credit cards

Verified Oct 16, 2026CAD

2 CIBC cards ranked on a family's spending, each with Year 1 against every year after. Annual fees run from $0 to $139.

Advertiser disclosure: we may earn a commission when you apply through some links on this page. It never affects rank: cards are ordered by the value worked out from your spending. How we make money · Methodology

  1. #1CIBC Dividend Visa Infinite

    CIBC

    Dividend Visa Infinite

    $120 fee · yr 1 freeGroceries 4%Gas 4%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$1,087
    Year 2+$767

    3 years $2,620 after fees· pays for itself in month 1

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,087
    Year 2+$767
    Welcome or anniversary bonus$200 / $0Rewards on spending$887 / $887Fees (taken off the end)-$0 / −$120
    Pays for itself in month 1 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    4%
    Groc
    Groceries
    2%
    Dine
    Dining and takeout
    4%
    Gas
    Gas and EV charging
    1%
    Air
    Flights
    1%
    Hotel
    Hotels and car rentals
    2%
    Transit
    Transit and rideshare
    2%
    Stream
    Streaming
    1%
    Drug
    Drugstores
    1%
    Online
    Online shopping
    2%
    Bills
    Phone, internet and utilities
    1%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #1 of 2. By 3-year value on the family preset's spending. Over 3 years it's worth $2,620 after fees.
    2. Year 1. $1,087 = welcome bonus $200 + rewards $887.
    3. Each year after. $767 = rewards $887 − fee $120.
    4. Against #2. Beats CIBC Aventura Visa Infinite by $833 over 3 years, mostly on rewards on spending (+$1,255).
    Verified Oct 16, 2026Every term and assumption
  2. #2CIBC Aventura Visa Infinite

    CIBC

    Aventura Visa Infinite

    $139 fee · yr 1 freeGroceries 1.5xGas 1.5x
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$1,089
    Year 2+$350

    3 years $1,788 after fees· pays for itself in month 1Mostly first-year value

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$1,089
    Year 2+$350
    Welcome or anniversary bonus$600 / $0Rewards on spending$469 / $469Credits$20 / $20Fees (taken off the end)-$0 / −$139
    Pays for itself in month 1 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    1.5x
    Groc
    Groceries
    1x
    Dine
    Dining and takeout
    1.5x
    Gas
    Gas and EV charging
    1x
    Air
    Flights
    1x
    Hotel
    Hotels and car rentals
    1x
    Transit
    Transit and rideshare
    1x
    Stream
    Streaming
    1.5x
    Drug
    Drugstores
    1x
    Online
    Online shopping
    1x
    Bills
    Phone, internet and utilities
    1x
    Other
    Everything else
    Why it's ranked here
    1. Ranked #2 of 2. By 3-year value on the family preset's spending. Over 3 years it's worth $1,788 after fees.
    2. Year 1. $1,089 = welcome bonus $600 + rewards $469 + credits $20.
    3. Each year after. $350 = rewards $469 + credits $20 − fee $139.
    4. Against #1. Trails CIBC Dividend Visa Infinite by $833 over 3 years, mostly on rewards on spending (−$1,255).

    Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.

    Verified Oct 16, 2026Every term and assumption

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.

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.

Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.

3-year value on each preset

points at their cash value, after fees. "~" marks estimates.

CardStudentCoupleFamilyFrequent travellerBig spender
CIBC Dividend Visa Infinite$784$1,956$2,620$2,451$5,079
CIBC Aventura Visa Infinite$646$1,444$1,788$1,903$3,536

Frequently asked questions

Which CIBC card is best?

On a family's spending, CIBC Dividend Visa Infinite is worth the most over 3 years ($2,620).

What do CIBC cards cost?

Annual fees from $120 to $139 across the 2 cards listed here.

What rewards do CIBC cards earn?

Cash back, CIBC Aventura. Points are shown in dollars at the program's cash or statement-credit value unless you choose another redemption.

Sources

Estimates for information only; not financial advice. See how cards are ranked.