Find out the status of your application in as little as 60 seconds

Apply and you'll get a response in as little as 60 seconds!

Limited time offer

0% interest on balance transfers for up to 10 months**

2% fee applied on balance transfers. Hurry, offer ends
July 29**.

CIBC Dividend® Visa* Card

  • 2% cash back on groceries and up to 1% on everything else1
  • No annual fee
  • Shop confidently with Purchase Security and Extended Protection Insurance
  • Find out the status of your application in as little as 60 seconds10

The easy way to pay is here with Apple Pay

Pay with your CIBC debit and credit cards using
your Apple device.

Learn moreAbout Apple Pay.

Rewards

It's simple. Cash back just for using your card.

Earn cash back on every purchase1

2%2% cash back on your first $6,000 in net annual grocery purchases1

0.5%0.5% cash back on the first $6,000 in annual purchases1

1%1% cash back on all other annual purchases over $6,0001

Find out how much cash back you could earn in a year2

Use the sliders to indicate your approximate monthly credit card purchases9.

This tool is currently unavailable. Please see Overview and Advice.

Benefits

CIBC's everyday cash back card1

This card is perfect if you:

  • Want to earn cash back on every purchase, with no limit on the total cash back you can earn1
  • Don't want to pay an annual fee
  • Would like the added benefit of replacements for lost, stolen or damaged items with Purchase Security and Extended Protection® Insurance
  • Have a minimum household income of $15,000

Annual Fee: $0 Each Additional Card: $0 per year (3 card maximum)

Annual Interest Rate - Purchases8: % Annual Interest Rate - Cash4,8: %

Insurance Coverage

Shop with confidence

Included

  • $100,000 Common Carrier Accident Insurance3
  • Purchase Security and Extended Protection Insurance3

Optional

  • CIBC Payment Protector™ Insurance for credit cards
  • CIBC Emergency Travel Medical Insurance

Agreements and Insurance

Cardholder Agreement, Benefits Guide and Insurance Certificates

Why CIBC

Even more reasons to choose the CIBC Dividend Visa Card

Authorized User Spending Limits

Assign specific spending limits for purchases and cash to your authorized user(s)7 - at no cost.

CIBC CreditSmart®

Innovative tools to help you better manage and organize your credit card spending, plus protection features for greater security.

CIBC Mobile Banking®

On-the-go banking 24/7 with CIBC Mobile Banking Apps for iPhone®, iPad®, Android™ and other smartphones.

CIBC Mobile Payment™ App5

Make secure credit card purchases of up to $100 at participating vendors using an eligible smartphone.

CIBC Online Banking®

View electronic statements, make payments and transfers, increase credit limits, request additional cards and more.

Visa payWave*7

Contactless payments for small purchases of up to $100: a fast, safe and convenient alternative to paying with cash.

Ratings and Reviews

** To qualify for this offer, you must apply on CIBC.com. Offer applies to the CIBC Dividend Visa* Card (an “Eligible Card”). The CIBC Dividend Visa* Card for Students is not included in the offer. If you apply and are approved for an Eligible Card between May 10, 2016 and July 29, 2016, you can receive 0% for up to 10 months on any balances transferred (the “Offer”), if the below criteria are met:

A. the Balance Transfer must be processed by CIBC between May 10, 2016 and July 29, 2016;
B. your CIBC credit card account (“Account”) must be in good standing at the time the Balance Transfer is processed; and
C. the Balance Transfer amount must be $1 or more. Otherwise, the regular annual interest rate for cash advances will apply to the Balance Transfer amount. If the Balance Transfer amount exceeds the approved credit limit determined at the point of credit adjudication, it will not be processed.

The Offer applies until the last day of your March 2017 monthly statement. The promotional interest rate is charged on Balance Transfer amounts from the date they are posted to your Account. After the promotional period, any remaining Balance Transfer amounts will be charged interest at the regular annual interest rate for cash advances, until the amount is repaid in full. During the promotional period, the regular annual interest rate for purchases will apply to purchase transactions and the regular annual interest rate for cash advances will apply to Balance Transfer(s) that do not qualify for the promotional interest rate.

A fee of 2% ("Fee") of the Balance Transfer amount will be charged to your Account when the Balance Transfer amount is posted to your Account. If the Balance Transfer amounts plus the Fee exceeds the approved credit limit, you will be charged an Overlimit Fee of $29.If you do not pay off your Account balance in full by the due date, interest will be charged on the Fee at the regular annual interest rate for purchases from the date the Fee is posted to your Account.

If you do not pay your minimum payment by the payment due date in any month during the promotional period, you will lose the benefit of this promotional interest rate offer and, effective the first day of the next monthly statement period, the regular annual interest rate for cash advances will apply to any remaining Balance Transfer amounts.

Payments will be applied to your Account as set out in the "Application of Payments" section of your CIBC Cardholder Agreement. You cannot choose to apply your payments to your regular annual interest rate amount and leave your promotional interest rate Balance Transfer amount outstanding. If you make a payment greater than your minimum monthly payment amount, the excess amount is allocated to your regular annual interest rate amounts and your promotional interest rate Balance Transfer amount in the proportion that each represents of the remaining balance. For example, if you have a regular annual interest rate purchase amount of $800 and a promotional interest rate Balance Transfer amount of $200, 80% of your payment will be allocated to your regular annual interest purchase amount and 20% will be allocated to your promotional interest rate Balance Transfer amount.

If there are two or more promotional interest rate Balance Transfer amounts with the same promotional interest rate, your payment will be allocated to those Balance Transfer amounts in the reverse order that they were posted to the Account, starting with the Balance Transfer amount that was last posted to the Account. For example, if promotional interest rate Balance Transfer amounts with the same promotional interest rate are posted to your Account in January, February and March of any year, your payment will first be allocated to the Balance Transfer amount posted in March, then to the Balance Transfer amount posted in February and lastly, to the Balance Transfer amount posted in January of the same year.

Interest on the Balance Transfer amount may be charged on both your Account and the non-CIBC account(s) from which you are transferring a balance until the transferred amount is credited to the non-CIBC account(s). You are responsible for any payments due on the non-CIBC account(s) from which you are transferring a balance. Balance Transfer(s) do not result in the cancellation of your non-CIBC account(s). Balance Transfers cannot be used to make a payment on any other CIBC credit card or loan product and do not qualify to earn loyalty points, rebates or cash back rewards. You cannot dispute Balance Transfer transactions and we are unable to assist you with merchant disputes in respect of those transactions for which you have used a Convenience Cheque as the method of payment.

1 Cash back is earned on a tiered basis on card purchases less returns and not on cash advances, interest, fees, balance transfers, payments or CIBC Convenience Cheques. Cash back is calculated as follows: on the first $6,000 in net annual card purchases excluding grocery on your account, the cash back earned is 0.5%; on amounts greater than $6,000 in net annual purchases excluding grocery the cash back earned is 1%.

Earn 2% cash back on purchases (excluding returns) at merchants classified by the credit card network as grocery stores. All other purchases earn cash back at the regular tiered rate. The 2% cash back offer is only available on the first $6,000 in net annual card purchases at grocery merchants on your account; after that, net card purchases at grocery merchants will earn cash back at 1%. The $6,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchant categories may change without notice.

Credits for returns made on your account may result in a deduction of cash back at a higher earn rate, even though the return may relate to a purchase that earned cash back at a lower rate.

2 The cash back is accumulated each month, beginning with the January Visa statement, and awarded at the end of the year as a credit on the December statement. Credit card account must be open and in good standing at the time the cash back is awarded. Cash back will be credited to the primary cardholder's account.

3 Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). Different cards will have different coverage(s). To learn about which coverage(s) are included with a specific card, and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, see www.cibc.com/ca/credit-card/agreements-insurance.html and the insurance certificate(s) in your card package. Some insurance coverage(s) require purchase(s), auto rentals, common carrier fares, hotel/motel and other trip costs to be charged to the card to activate coverage. Other conditions may also apply. Certain RSA coverages are "excess insurance" (all other sources of insurance and recovery must be exhausted before coverage is available). For more information, call RSA toll-free at 1 866 363 3338 in Canada, continental U.S and Hawaii or collect from elsewhere at 905 403 3338.

4 Cash advances bear interest from the date they are taken from your credit card account and are subject to available credit and available cash. Cash advances do not earn cash back.

5 The CIBC Mobile Payment App is available right now for select Blackberry® smartphones and Android™ devices on the Bell, Rogers and TELUS network with an NFC SIM card from Bell, Rogers and TELUS respectively. More eligible phones and carriers will be added soon. Visit cibc.com/mobilepayment to learn more about the requirements to get started.

6 Subject to merchant transaction limits. The Authorized User Spending Limit and the CIBC Mobile Payment App features cannot be used on the same credit card account.

7 The primary cardholder may assign and change the authorized user spending limits on the credit card account for any authorized user(s) by contacting CIBC. CIBC may make adjustments to the spending limits any time following a decrease in the credit limit or cash limit of the card. The spending limits for authorized users will be subject to the overall credit limit and cash limit on the credit card account, so the funds available to an authorized user may be less than the spending limit set. An authorized user spending limit will reset monthly, or earlier if requested by the primary cardholder or if a payment on the credit card account is made by the applicable authorized user. "Cash" refers to cash advances, Convenience Cheques and balance transfers. For full details visit https://www.cibc.com/ca/credit-cards/budgeting-spend/spending-limits.html.

8 Interest rates will change from time to time on at least 30 days prior notice to primary cardholders. "Cash" means cash advances, balance transfers and Convenience Cheques.

9 The rewards calculator tool is only for general illustration purposes; your actual results may differ. Aeroplan Miles/Aventura Points/cash back/Tim Cash/PETRO-POINTS are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments, regular CIBC Convenience Cheques or Aeroplan Mile/Aventura Point redemptions (as applicable). For the Aerogold Visa Infinite Card, the Aventura Visa Infinite Card and the Aerogold Visa Card, 50% more Aeroplan Miles or Aventura Points on gas, grocery and drug store card purchases is only available on the first $80,000 in net annual card purchases on your account (meaning all card purchases by all cardholders, at any type of merchant); after that net card purchases at grocery, drug store and gas merchants will earn Aeroplan Miles or Aventura Points at the regular rate. For the Aerogold Visa Infinite Privilege Card, 50% more Aeroplan Miles on gas, grocery and drug store card purchases is only available on the first $100,000 in net annual card purchases on your account (meaning all card purchases by all cardholders, at any type of merchant); after that net card purchases at grocery, drug store and gas merchants will earn Aeroplan Miles or Aventura Points at the regular rate. For CIBC cash back credit cards, cash back is earned on a tiered basis and is dependent upon the net annual dollar amount spent on the card over the year to date. For details about earning and redeeming rewards, the Welcome Bonus and other card benefits, including terms and conditions, review the benefit guides found here.

10 We may withdraw approval if we become aware of any unfavourable information regarding your financial position or account status, or if you are unable to provide any additional information reasonably requested by CIBC. The application response time may take longer than 60 seconds in the event of technology issues. If you supply your email address, an application status email will be sent as soon as the technology issues are resolved. Otherwise, you will receive a response to your credit card application within 7 to 10 business days.

*Trademarks of Visa Int., used under license.

American Express Travellers Cheques® is a registered trademark of American Express Company; used under license from American Express.

Avis® is a registered trademark licensed to Avis car, Inc. for use in Canada.

Budget® is a registered trademark licensed to Budgetcar Inc. for use in Canada.

BlackBerry® and related trademarks, names and logos are the property of BlackBerry Limited and are registered and/or used in the U.S. and countries around the world. Used under license from BlackBerry Limited.

iPhone® and iPad® are trademarks of Apple Inc., registered in the U.S. and other countries.

Android™ is a trademark of Google, Inc.

All other trademarks are owned by CIBC or related entities.

Trademarks

Close