CIBC Dividend Platinum® Visa* Card

Reward your everyday spending with the cash back card that gives you more.

Welcome Offer

Get a first-year annual fee rebate for you and up to 3 Authorized Users^ⓘ

Apply now

$15,000 minimum annual household income

Fees and interest rates

Annual fee

$99 — 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 $99 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 gas 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

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.^ⓘ

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.^ⓘ

Enjoy extra protection on new purchases

Double the manufacturer's original warranty, up to one year on eligible purchases.^ⓘ

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

$15,000 minimum annual household income

More to love about this card

Access valuable insurance coverage

Your CIBC Dividend Platinum Visa Card comes with valuable insurance card including Auto Rental Collision and Loss Damage Insurance and Purchase Security and Extended Warranty Insurance.^ⓘ

Send money abroad

There are no transaction fees and you won’t be charged interest, as long as 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.

Valuable insurance included with your card^ⓘ

Purchase Security and Extended Protection Insurance

$500,000 Common Carrier Accident Insurance

Auto Rental Collision and Loss Damage Insurance

Review Insurance Certificate

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 BankingApp 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.

Review full Benefits Guide and Cardholder Agreement Opens in a new window.

For Quebec residents: Product Summaries and Fact Sheets (PDF, 1 MB) 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.