Maximize your savings and enjoy exclusive perks with our top-rated cash back card.

Save on everyday purchases

Earn 4% cash back on gas and groceries, and up to 2% on everything else.1, 2

Redeem when you want

Get your cash back anytime through CIBC Online and Mobile Banking®.2

Enjoy comprehensive coverage

Get valuable insurance coverage, including mobile device and emergency travel medical.3


Annual fee
$120 (first year rebated)
Each additional card (up to 3): $30

Interest rate
RDS%rate[2].VWDIV.Published(null,null,6,null)(#O2#)% for purchases4
RDS%rate[2].VWDIV.Published(null,null,3,null)(#O2#)% (21.99% for Quebec residents)
for cash4, 5

Minimum annual income
$60,000 individual, or
$100,000 household

Earn more cash back1

4% cash back

on gas and groceries.1

Want to save even more on gas? Get up to 10 cents off per litre at participating gas stations with Journie Rewards.

2% cash back

on transportation, dining and recurring payments.1

1% cash back

on everything else.1

No limit on the total cash back you can earn.1

Named the #1 cash back credit card for 2020 by Rewards Canada.

Calculate your cash back potential2

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

More to love about this card

Fuel up for less

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

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Send money abroad

Get 0.25% cash back for every $1 spent on a CIBC Global Money Transfer™.‡, 7 There are no transaction fees and you won’t be charged interest, as long as you pay your balance by the payment due date.8

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Enjoy exclusive offers

Access hotel benefits, unique dining events and 24-hour complimentary concierge services with the Visa Infinite® program Opens in a new window..9

Couple sitting on the floor looking at paint samples

CIBC Pace It™

Some purchases can't wait. CIBC Pace It helps you manage your finances with Installment Plans on your credit card at lower interest rates. Start paying for the big things that matter at a pace you choose.

Learn more about CIBC Pace It.

Valuable insurance included with your card3

Mobile Device Insurance
Purchase Security & Extended Protection Insurance
Out-of-Province Emergency Travel Medical Insurance
$500,000 Common Carrier Accident Insurance
Car Rental Collision/Loss Damage Insurance

CIBC Dividend Visa Infinite Card

Ready to cash in on your purchases?