CIBC Dividend® Visa Infinite Card
Fees
Earning Rates
- Earn 4% cash back on gas, electric vehicle charging, and groceries.
- Earn 2% cash back on transportation, dining and recurring payments.
- Earn 1% cash back on everything else.
Main Benefits
- Enjoy Visa Infinite benefits, discounts on car rentals and fuel, and travel & purchase insurance.
Card Details
Earning Rewards
The CIBC Dividend Visa Infinite Card earns cash back at the following rates:
- 4% cash back on eligible gas, electric vehicle charging, and groceries.
- 2% cash back on transportation, dining and recurring payments.
- 1% cash back on everything else.
All bonus categories (4% and 2%) are capped at $80,000 in net annual purchases across all cardholders or $20,000 across each specific category, whichever comes first. Once that cap is hit, all card purchases will earn at the normal rate of 1% cash back.
Perks & Benefits
Here are the main benefits of the CIBC Dividend Visa Infinite Card:
- Visa Infinite Benefits: Access hotel benefits, unique dining events and 24-hour complimentary concierge services with the Visa Infinite® program.
- Car Rental Discounts: Get up to 25% off auto rentals at participating Avis® and Budget® locations worldwide when you pay with your Dividend card.
- Save with Journie Rewards: 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.
- Travel & Purchase Insurance: Out-of-Province Emergency Travel Medical Insurance, Common Carrier Accident Insurance, Auto Rental Collision and Loss Damage Insurance, Mobile Device Insurance, Purchase Security and Extended Protection Insurance.
Card Fees
Annual Fee
The CIBC Dividend Visa Infinite Card has an annual fee of $120.
Authorized User Fee
Adding authorized users to the CIBC Dividend Visa Infinite Card will cost you $30 per additional card.
Foreign Transaction Fee
The CIBC Dividend Visa Infinite Card has a foreign currency conversion fee of 2.5%. This means you will be penalized when using this card to make purchases that are not in Canadian Dollars.
CIBC Cash Back Calculator
Input your monthly and yearly spend amounts to calculate how much cash back you can earn with the CIBC Dividend Visa Infinite Card. Compare the results side by side up to 2 credit cards to find out which cards are best for you.
Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.
This calculator uses the combined cap of $20,000 annually across the 4% and 2% categories to calculate cash back for the CIBC Dividend Visa Platinum Card.
Card Details All links open in new tab (so you will not lose your calculations).
Edit Card Details
Edit Card Name
Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.
Quick Assign
Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.
Currency Codes
Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.
Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.
Currency Name
Add Status / Loyalty
You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.
If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.
NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.
Clear / Remove...
If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.
Card Select
Select the card you will use for this category.
Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.
