CREDIT CARDS

Cash back cards

To use the Credit Card Finder tool, tab through the filter options and select the client segment, card benefits, card type and reward partner. Results will be generated based on your selections. If you want to compare certain cards from your results, select the Compare Cards checkbox for each card. Once you have selected two cards, a Compare Tool panel will display with your selected cards and a Compare button. Jump to compare once you’ve made all your selections. You can select up to four cards to compare at a time. The Compare button will take you to a new page with a full list of details.
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Card benefits

* We recommend the best cards based on your average annual spending.

6 credit card results

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CIBC Dividend® Visa Infinite* Card about the CIBC Dividend Visa Infinite Card.

Get a first-year annual fee rebate for you and up to 3 Authorized Users!
Maximize your earnings and enjoy exclusive perks with our top-rated cash back card.
  • 4% cash back on eligible gas, electric vehicle charging and groceries3
  • 2% cash back on eligible transportation, dining and recurring payments3
  • Mobile Device Insurance5 | Save on gas | Visa* concierge services6
Annual fee
$120
Purchase interest rate1
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Cash interest rate1, 2

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

RDS%rate[2].VWDIV.Published(null,null,90,null)(#O2#)% 
Quebec residents

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CIBC Dividend Platinum® Visa* Card about the CIBC Dividend Platinum Visa Card.

Get a first-year annual fee rebate for you and up to 3 Authorized Users!
Reward your everyday spending with the cash back card that gives you more.
  • 3% cash back on eligible gas, electric vehicle charging and groceries3
  • 2% cash back on eligible transportation, dining and recurring payments3
  • Save on gas | Auto Rental Collision Insurance5 | Pay in installments
Annual fee
$99
Purchase interest rate1
RDS%rate[2].VPDIV.Published(null,null,6,null)(#O2#)%
Cash interest rate1, 2

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

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 CIBC Dividend® Visa* Card about the CIBC Dividend Visa Card.

Get the reliable, everyday use card that earns you cash back on daily essentials for no annual fee.
  • 2% cash back on eligible groceries3
  • 1% cash back on eligible gas, electric vehicle charging, transportation, dining and recurring payments3
  • Save on gas | Extended warranty5 | CIBC Pace ItTM Installment Plans
Annual fee
$0
Purchase interest rate1
RDS%rate[2].VSDIV.Published(null,null,6,null)(#O2#)%
Cash interest rate1, 2

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

RDS%rate[2].VSDIV.Published(null,null,90,null)(#O2#)%
Quebec residents

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CIBC Dividend® Visa* Card for Students about the CIBC Dividend Visa Card for Students.

Student budgets go further with cash back on groceries, transportation and other daily essentials.
  • 2% cash back on eligible groceries3
  • 1% cash back on eligible gas, electric vehicle charging, transportation and recurring payments3
  • Free SPC+ membership | Extended warranty5 | Pay in installments††
Annual fee
$0
Purchase interest rate1
RDS%rate[2].VSDIV.Published(null,null,6,null)(#O2#)%
Cash interest rate1, 2

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

RDS%rate[2].VSDIV.Published(null,null,90,null)(#O2#)% 
Quebec residents

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CIBC Costco®† Mastercard® about the CIBC Costco Mastercard.

The CIBC Costco Mastercard exclusively for Costco members.1
  • 3% cash back at restaurants and Costco gas2
  • 2% cash back at other gas stations and at Costco.ca2
  • CIBC Pace It™ Installment Plans: Special rates on eligible Costco purchases
Annual fee
$0
Purchase interest rate3
RDS%rate[2].MPCOS.Published(null,null,6,null)(#O2#)%
Cash interest rate3, 4

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

RDS%rate[2].MPCOS.Published(null,null,90,null)(#O2#)%
(Quebec residents)

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CIBC Costco®† Business Mastercard® about the CIBC Costco Business Mastercard.

Join and earn a $100 Welcome Bonus!
The only business credit card exclusively for Costco members.1
  • 3% cash back at Costco gas and restaurants4
  • 2% cash back at Costcobusinesscentre.ca, at Costco.ca, on shipping, on insurance services and at all other gas stations4
  • CIBC Pace It Installment Plans: Special rates on eligible Costco purchases
Annual fee
$0

Purchase interest rate3
RDS%rate[2].MBCOS.Published(null,null,6,null)(#O2#)%
Cash interest rate3
RDS%rate[2].MBCOS.Published(null,null,3,null)(#O2#)% 
non-Quebec residents
RDS%rate[2].MBCOS.Published(null,null,90,null)(#O2#)% 
Quebec residents
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The benefits of CIBC cash back credit cards


Earn cash back on purchases 

When you use your CIBC Dividend credit card to pay for things, you’ll earn cash back — there’s no limit to how much you can earn. Plus, your cash back rewards never expire. 

Learn more about earning cash back.

Terms and conditions

Redeem anytime

Once your CIBC Dividend cash back balance reaches $25, you can redeem it anytime through CIBC Online Banking® and CIBC Mobile Banking®. Or, you can wait to get your cash back as an annual credit on your January statement.

Learn more about redeeming cash back.

Terms and conditions

Easy access to your gift certificates

Redeem your annual Costco cash back gift certificate digitally in Canadian Costco warehouses using the CIBC Mobile Banking® App or print your gift certificate through CIBC Online Banking®. You'll also receive your gift certificate in your January statement. Track your annual cash back total through your statement, CIBC Mobile Banking App or CIBC Online Banking.

Learn more about the annual Costco cash back gift certificate.

Terms and conditions Skip to the terms and conditions for the CIBC Costco Mastercard.

Find the right cash back credit card


Accelerate your cash back

If you like the idea of earning more cash back, go with a card that rewards you with a higher cash back percentage on certain spending categories — just make sure you use your card at these places.

Consider the annual fee

Some cash back cards come with annual fees and some don’t. Cards with annual fees can be worth the cost because they come with more perks.

Don’t forget about the card benefits

From low-rate CIBC Pace It™ Installment Plans to valuable insurance, our cards feature a variety of benefits. Compare different features to find the best card for you.

Your CIBC cash back credit card questions answered