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

Get maximum rewards

No limit on the total cash back you can earn1

Extra protection on new purchases

Double the manufacturer's original warranty up to one year on most of your purchases3

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

Interest rate
RDS%rate[2].VPDIV.rate(null,null,6,null)(#R#)% for purchases4
RDS%rate[2].VPDIV.rate(null,null,3,null)(#R#)% for cash4,5

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

Minimum annual income
$15,000 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

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 card3

Auto Rental Collision and Loss Damage Insurance
$500,000 Common Carrier Accident Insurance
Purchase Security and Extended Protection Insurance

Optional insurance for your card

CIBC Emergency Travel Medical Insurance 7
CIBC Payment Protector™ Insurance for Credit Cards 8