CIBC Dividend® Visa Infinite* Card

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

Welcome Offer

Get a first-year annual fee rebate for you and up to three Authorized Users^ⓘand earn 10% cash back for the first 4 statements on net purchases of up to $2,000^ⓘ.

Apply now

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

Fees and interest rates

Annual fee

$120 — first year rebated^ⓘ

$30 each for up to 3 additional cards — first year rebated^ⓘ

Enjoy an annual fee rebate every year for the primary cardholder of up to $120 if you have a CIBC Smart Plus™ Account.

Purchase interest rate^ⓘ

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Cash interest rate^ⓘ, ^ⓘ

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non-Quebec residents

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Quebec residents

Earn more cash back^ⓘ

cash back on eligible gas, electric vehicle charging, and groceries.^ⓘ

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

Gas

Electric Vehicle Charging

Groceries

cash back on transportation, dining and recurring payments.^ⓘ

Transportation

Dining

Recurring Payments

cash back on everything else.^ⓘ

Everything Else

Earn maximum rewards

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

Award-winning cash back

Winner of the Best Cash Back Credit Card for 2024 by Milesopedia^ⓘ

Winner of the Best Cash Back Credit Card for 2023 by Milesopedia^ⓘ

Winner of the Best Cash Back Credit Card for 2023 by Prince of Travel

Winner of the Best Cash Back Credit Card for 2022 by Milesopedia^ⓘ

Winner of the Best Cash Back Credit Card for Grocery for 2022 by Milesopedia^ⓘ

Winner of the Best Visa Cash Back Credit Card for Gas and Transit for 2022 by Milesopedia^ⓘ

Your top cash back card benefits

Redeem when you want

Get your cash back anytime through CIBC Online Banking® and the CIBC Mobile Banking® App.^ⓘ

Access valuable insurance coverage

Your CIBC Dividend Visa Infinite Card comes with valuable insurance including Mobile Device Insurance and Out-of-Province Emergency Travel Medical Insurance.^ⓘ

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

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

More to love about this card

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..^ⓘ

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 25% off auto rentals at participating Avis® and Budget® locations worldwide when you pay with your Dividend card.^ⓘ Learn more about auto rental discounts at Avis Opens in a new window. and Budget Opens in a new window..

Calculate your cash back potential^ⓘ, ^ⓘ

Use the sliders to estimate your monthly credit card spending.^ⓘ

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

Learn how to get more from your cash back card

Protecting your card

Visa’s Zero Liability Policy

Should someone steal your card, your card number, or other card details, you will not be held responsible for fraudulent purchases processed through the Visa network as long as you meet your obligations and use care to protect your card and PIN.

CIBC is committed to upholding the Visa Zero Liability policy, which sets the standard for what you can expect when you do business with us. To learn more, visit Visa Purchase Protection Opens in a new window..

Fraud alerts

We monitor fraud trends and typical debit and credit card activity. When we detect various factors that indicate a transaction may be fraudulent, we’ll notify you by text, email or phone to authenticate the transaction. To learn more, visit Fraud alerts.

Digital Disputes Platform

Have a transaction you don’t recognize? Contact us about it immediately by submitting a digital dispute. Simply sign on to your online or mobile banking, select the transaction you don’t recognize, select “Report an issue” and follow the instructions to submit your dispute.

Valuable insurance included with your card^ⓘ

Mobile Device Insurance

Purchase Security and Extended Protection Insurance

Out-of-Province Emergency Travel Medical Insurance

$500,000 Common Carrier Accident Insurance

Auto Rental Collision and Loss Damage Insurance

Insurance certificates for the Dividend Visa Infinite Card (PDF, 805 KB) Opens in a new window.

For Quebec residents: Product Summaries and Fact Sheets (PDF, 990 KB) Opens in a new window.

Optional insurance for your card

CIBC Payment Protector™ Insurance for Credit Cards

Help keep your finances on track by reducing the burden of your credit card payments if you’re unable to work due to disability, job loss, critical illness or in the event you pass away.^ⓘ

Protect your balance

Security features included with your card

Manage your card online

Activate a new or replacement card, lock a missing card or report a lost or stolen card with just one click through the CIBC Mobile Banking App and CIBC Online Banking.

Spend alerts

Set up alerts through the CIBC Mobile Banking App and CIBC Online Banking. Get notified by phone, email or online message when you've exceeded your customized budget or are nearing your credit limit.^ⓘ

Fraud alerts

Set up alerts and get notified as soon as possible about potential unauthorized use of your credit card through alerts by email or online message.

Credit report alerts

Stay up to date on key changes to your personal credit report so you're aware of any unusual activity.^ⓘ You can also schedule other alerts and reminders so that you are notified when your payment is due, when your eStatement is ready and much more.

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™

Some purchases can't wait. CIBC Pace It helps 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 Installment Plans.

CIBC Dividend Visa Infinite Card

Ready to cash in on your purchases?

Applying takes about 5 minutes, and you’ll get a response in as little as 60 seconds.^ⓘ

Apply now

Get started

Call us: 1-866-525-8622

Find a Banking Centre

Meet with us

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CIBC Dividend® Visa Infinite* Card

Fees and interest rates

Annual fee

Purchase interest rateⓘ

Cash interest rateⓘ, ⓘ

Earn more cash backⓘ

Earn maximum rewards

Award-winning cash back

Your top cash back card benefits

Redeem when you want

Access valuable insurance coverage

Fuel up for less

More to love about this card

Enjoy exclusive offers

Send money abroad

Save on car rentals

Calculate your cash back potentialⓘ, ⓘ

Protecting your card

Visa’s Zero Liability Policy

Fraud alerts

Digital Disputes Platform

Valuable insurance included with your cardⓘ

Optional insurance for your card

Security features included with your card

Manage your card online

Spend alerts

Fraud alerts

Credit report alerts

Documents

CIBC Pace It™

Ready to cash in on your purchases?

Get started

Not the right card for you?

Purchase interest rate^ⓘ

Cash interest rate^ⓘ, ^ⓘ

Earn more cash back^ⓘ

Calculate your cash back potential^ⓘ, ^ⓘ

Valuable insurance included with your card^ⓘ