Dividend Visa Card.

Get up to 10 cents off per litre at participating gas stations with Journie Rewards.

Apply now
   for the CIBC Dividend Visa Card. Opens a new window.

$15,000 minimum annual household income

This card has a minimum credit limit. Learn more about the minimum credit limit for this card.

Fees and interest rates

Annual fee

$0

$0 for up to 3 additional cards

Purchase interest rateⓘ

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Cash interest rateⓘ, ⓘ

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non-Quebec residents
RDS%rate[2].VSDIV.Published(null,null,90,null)(#O2#)%
Quebec residents

Earn more cash backⓘ 

2%

Groceries

1%

Gas

Electric Vehicle Charging

Transportation

Dining

Recurring Payments

0.5%

Everything Else

Earn maximum rewards

No limit on the total cash back you can earn.3

Award-winning cash back

Milesopedia Best No-Fee Cash Back Credit Card 2025 logo.

Winner of the Best Visa Cash Back Credit Card with No Annual Fee for 2025 by Milesopediaⓘ 

Milesopedia Best Visa Cash Back Credit card with No Annual Fee 2022 logo.

Winner of the Best Visa Cash Back Credit Card with No Annual Fee for 2022 by Milesopediaⓘ 

Your top cash back card benefits

Redeem when you want

There’s no limit on the total amount of cash back you can earn, and it doesn’t expire! Your cash back will grow over time, and once it reaches $10 or more, you can easily redeem it through CIBC Online Banking® or CIBC Mobile Banking® App.ⓘ

Access valuable insurance coverage

When you charge eligible purchases to your card, you can enjoy Purchase Security Insurance. Plus, with Extended Warranty Insurance, extend the period of the original manufacturer’s warranty up to one additional year on most purchases charged to your card.ⓘ 

Fuel up for less

Save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations when you link your card with Journie Rewards.

Apply now
   for the CIBC Dividend Visa Card. Opens a new window.

$15,000 minimum annual household income

This card has a minimum credit limit. Learn more about the minimum credit limit for this card.

More to love about this card

Send money abroad

Send money abroad to over 120 countries with a $0 transfer fee. Cash advance fees don’t apply and there’s no interest if you pay your balance by the payment due date.ⓘ, ⓘ, ⓘ

Save on car rentals

Get up to 30% off base rates with Avis® Pay Now or up to 35% off base rates with Budget® Pay Now at participating locations worldwide when you pay with your CIBC Dividend Visa card.ⓘ Learn more about auto rental discounts at Avis Opens a new window. and Budget Opens a new window.. 

Know when it’s time to redeem with e-alerts

Set up an alert in online or mobile banking to let you know as soon as your cash back balance reaches an amount of your choice for the first time. Plus, get an alert every 90 days if your cash back balance is at or above your chosen amount.ⓘ 

Get a 12-month Skip+ free trial when you link your CIBC credit card with your Skip accountⓘ

Plus, enjoy exclusive savings and rewards with your Skip+ membership.ⓘ

Learn more about our partnership with Skip.

Calculate your cash back potentialⓘ, ⓘ 

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

Protecting your card

Visa’s Zero Liability Policy

Fraud alerts

Digital Disputes Platform

Valuable insurance included with your cardⓘ

 

Insurance certificates for the Dividend Visa Card (PDF, 360 KB) Opens in a new window.

To view the Statutory Conditions that apply to certain insurance coverages, please visit https://cibc.client.insure Opens a new window..

For Quebec residents: Product Summaries and Fact Sheets (PDF, 1 MB) Opens in a new window.

Optional insurance for your card

 

Security features included with your card

 Manage your card online

 Spend alerts

 Fraud alerts

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Documents

   Benefits Guide (PDF, 400 KB) Opens in a new window.

Cardholder Agreement (PDF, 140 KB) Opens in a new window.

CIBC Credit Card Summary of Annual Interest Rates and Fees (PDF, 110 KB) Opens in a new window.

Credit Card Privacy Disclosures, Terms and Conditions (PDF, 125 KB) Opens in a new window.

On Demand Redemption Terms and Conditions (PDF, 135 KB) Opens in a new window.

Couple sitting on the floor looking at paint samples

CIBC Pace It™

CIBC Dividend Visa Card

Ready to earn as you shop?

Apply now   for the CIBC Dividend Visa Card. Opens in a new window.
Dividend Visa Card.

Get started

Call us:  1-866-525-8622 Opens your phone app.
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