The CIBC Dividend Visa Infinite Credit Card comes with a reputable insurance package; access to luxurious travel, dining, and entertainment opportunities; and a flexible cash back redemption policy. Its shortcomings are relatively few, and overall it is probably a good option for any Canadian who can meet the eligibility requirements.
|Positive Points||Negative Points|
|Flexible cash back redemption policy||High annual fee|
|Visa Infinite Premium Benefits||Mid-level income requirement|
|Lucrative welcome offer|
New cardholders can enjoy a discount on the first-year annual fee of $120 for the primary cardholder and up to $30 for up to three additional cardholders. In addition, there is a 10% cash back welcome bonus of up to $250.
The CIBC Dividend Visa Infinite stands out for its incredible rewards on everyday items. In addition to the 1% earn rate on all purchases, this card offers an industry-leading 4% cash back on groceries and gas purchases, two of the most common spending categories for families.
||100% online application|
||Several benefits and advantages|
||Access to CIBC's Pace It program|
This card offers a great digital welcome bonus for new users who sign up online. These users can get a discount on the first year's annual fee for the primary cardholder and up to three authorized users, plus 10% cash back on the first four statements on net purchases up to $2,500. Click the button below to apply for the card:I Want My Card
The highlight of the CIBC Dividend Visa Infinite card is its high earning rate of 4% on eligible gasoline and groceries, which are usually people's main expenses. In addition, this card offers a 2% earning rate on transportation expenses, meals, and recurring payments (such as subscriptions). These reimbursement rates on gasoline and groceries further complement the card's offering.
Annual fees of $120 and $30 for primary and supplemental cardholders, respectively, will be refunded in the first year, appearing as a credit on your card statement within two statements of activation. To qualify for the annual fee discount, supplemental cardholders must be added at the time of card application. Click the button below to apply for your card:I Want My Card