New enhancements are coming to the CIBC Dividend cards on February 1, 2021.

Find out what's changing

4% cash back on gas and grocery purchases

Get 1% cash back on everything else1

Earn maximum rewards

No limit on the total cash back you can earn1

Travel medical coverage

Get 15 days of out-of-province coverage4

Annual fee
$99 (first year rebated)
Each additional card (up to 3): $30 per year (first year rebated)

Interest rate
RDS%rate[2].VWDIV.rate(null,null,6,null)(#R#)% for purchases5
RDS%rate[2].VWDIV.rate(null,null,3,null)(#R#)% for cash5,6

(21.99% for Quebec residents effective the first day of the 2021 April statement period)

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

Rewards everyday spending with cash back1

4% cash back

on gas and grocery store purchases1

2% cash back

on Tim Hortons® and TELUS® purchases1

1% cash back

on all other purchases1

Calculate your cash back potential2

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

More to love about this card

Woman looks at tablet while holding Aventura Card

Access exclusive benefits

The Visa Infinite program gives you access to luxury worldwide travel and hotel benefits3


Fuel up for less, with 3 cents off per litre

Link your Journie Rewards card to save on every fill-up at Chevron, Ultramar and Pioneer gas stations.

Send money abroad

Get cash back when you send a CIBC Global Money Transfer™, 10. There are no transaction fees and you won’t be charged interest, as long as you pay your balance by the payment due date.11

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 moreabout CIBC Pace It.

Valuable insurance included with your card4

Emergency Travel 
Medical Insurance

Trip Interruption

Flight Delay
Baggage Insurance

Purchase Security and
Extended Protection

$500,000 Common
Carrier Accident

Auto Rental Collision
and Loss Damage

Optional insurance for your card

CIBC Payment Protector™ Insurance for Credit Cards 8

Protect your balance