CIBC Dividend Platinum Visa Card.

Welcome Offer  

Join and earn over $300 in valueⓘ including an annual fee rebate 

 

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   for the CIBC Dividend Platinum Visa Card. Opens in a new window.

$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ⓘ

RDS%rate[2].VPDIV.Published(null,null,6,null)(#O2#)% (effective the first day of your 2025 August statement period: 21.99%)

Cash interest rateⓘ, ⓘ

RDS%rate[2].VPDIV.Published(null,null,3,null)(#O2#)%
non-Quebec residents
RDS%rate[2].VPDIV.Published(null,null,90,null)(#O2#)%
Quebec residents

Earn more cash backⓘ

3%

Gas

Electric Vehicle Charging

Groceries

2%

Transportation

Dining

Recurring Payments

1%

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
   for the CIBC Dividend Platinum Visa Card. Opens in a new window.

$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

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 30% off base rates with Avis® Pay Now or up to 35% off base rates with Budget® Pay Now at participating locations worldwide when you pay with your CIBC Dividend Platinum Visa card.ⓘ Learn more about auto rental discounts at Avis Opens a new window. and Budget Opens a new window.. 

Get a 12-month Skip+ free trial when you link your CIBC credit card with your Skip accountⓘ

Plus, enjoy exclusive savings and rewards with your Skip+ membership.ⓘ

Learn more about our partnership with Skip.

Calculate your cash back potentialⓘ, ⓘ 

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

Protecting your card

Visa’s Zero Liability Policy

Fraud alerts

Digital Disputes Platform

Valuable insurance included with your cardⓘ

 

 

 

Insurance certificates for the Dividend Platinum Visa Card (PDF, 615 KB) Opens in a new window.

To view the Statutory Conditions that apply to certain insurance coverages, please visit https://cibc.client.insure Opens a new window..

For Quebec residents: Product Summaries and Fact Sheets (PDF, 1 MB) Opens in a new window.

Optional insurance for your card

 CIBC Payment Protector™ Insurance for Credit Cards

Security features included with your card

 Manage your card online

 Spend alerts

 Fraud alerts

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Documents

Benefits Guide (PDF, 460 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.

Information on upcoming changes to your CIBC Credit Card Account Effective August 2025 (PDF, 85 KB) Opens a new window.

On Demand Redemption Terms and Conditions (PDF, 135 KB) Opens in a new window.

Insurance provider notice (PDF, 40 KB) Opens a new window.

Couple sitting on the floor looking at paint samples

CIBC Pace It™

CIBC Dividend Platinum Visa Card

Ready to cash in on your purchases?

Apply now   for the CIBC Dividend Platinum Visa Card. Opens in a new window.
CIBC Dividend Platinum Visa Card.

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