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SimplyCash Preferred Card from American Express vs. CIBC Dividend Visa Infinite

See how your selected cards differ in estimated value, costs and conditions.

Using example spending assumptions

$2,000/month CAD · Travel benefits assumed usable · Same profile for every card

Edit spending

Two-card comparison
Annual Fee
$119.88
First Year Bonus Value
$147.00
10% cash back for 3 months (up to $200)
Net Annual Rewards
$516.12Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$663.12

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

View card: SimplyCash Preferred Card from American Express
Sources & terms
Last verified: October 1, 2026. Confirm current terms with the issuer.Official issuer source for SimplyCash Preferred Card from American Express (opens new tab)
Annual Fee
$120.00
First Year Bonus Value
$218.00
10% cash back for 4 statements (up to $200) + $50 + first-year fee rebate
Net Annual Rewards
$266.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$604.00

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

View card: CIBC Dividend Visa Infinite
Sources & terms
Last verified: October 10, 2026. Confirm current terms with the issuer.Official issuer source for CIBC Dividend Visa Infinite (opens new tab)
CIBC Dividend Visa Infinite$120.00 annual fee
On this comparison

At a glance

At a glance for the selected cards, in selected order.
FactSimplyCash Preferred Card from American ExpressCIBC Dividend Visa Infinite
Regular annual feeValues differ
$119.88
$120
Rewards program
Cash Back
Cash Back
Purchase APR
21.99%
21.99%

Value

Based on typical spending of $2,000/month, after annual fees. Net annual rewards exclude welcome bonuses.

Value for the selected cards, in selected order.
FactSimplyCash Preferred Card from American ExpressCIBC Dividend Visa Infinite
First-year valueValues differ
$663.12
$604
Net annual rewardsValues differ
$516.12
$266
Your inputValues differ
—
Needs your input
First-year bonus valueValues differ
$147
$218
Welcome offerValues differ
10% cash back for 3 months (up to $200)
10% cash back for 4 statements (up to $200) + $50 + first-year fee rebate

Complete estimates

Shared inputs update only cards that use the same existing assumption. Card-specific qualifications remain separate.

CIBC Dividend Visa Infinite
Annual estimate assumptions for CIBC Dividend Visa Infinite

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

Net eligible merchant-classified purchases only. Gas includes EV MCC5552; transit means Canadian local commuter/taxi/rideshare, not air/car rentals/cruises. Recurring must be merchant-coded automatic. CIBC by Expedia eligible travel excludes taxes, insurance and service charges and remains outside bonus cap. Allocate each purchase once. Exclude advances, money transfers, interest, fees, balance transfers, payments and Convenience Cheques. Account open/in good standing. Uniform annual model excludes rounding/refund chronology.

Enter eligible net purchase spending only. Exclude cash advances, fees, interest and purchases that do not earn cashback. The estimate assumes an open account in good standing and does not model refund timing, mid-cycle rate changes or payout dates.

This explicitly sets this card’s allocations to $0; your category spending still earns the reviewed base rate.

Needs your input. Unknown answers remain unknown; update the relevant fields above.

Rewards

Rewards for the selected cards, in selected order.
FactSimplyCash Preferred Card from American ExpressCIBC Dividend Visa Infinite
How you earnValues differ
  • 4% cash back on eligible Canadian gas and groceries
  • 2% on other purchases
  • 4% cash back on eligible gas, EV charging and groceries
  • 2% on eligible dining, transportation, recurring payments and CIBC by Expedia travel
  • 1% on other purchases
Base / other eligible purchasesValues differ
2% cash back
1% cash back
Reward conditions

4% cash back on eligible Canadian gas and groceries; 2% on other purchases.

  • Grocery earning at 4% is capped at $1,200 cash back annually; then base earning.
  • Non-Quebec fee is $9.99 monthly; Quebec fee is $119 annually.
Complete card reward details

4% cash back on eligible gas, EV charging and groceries; 2% on eligible dining, transportation, recurring payments and CIBC by Expedia travel; 1% on other purchases.

Eligible purchase scopes, shared limits, qualifying channels or thresholds affect earning.

  • Bonus earning ends at $50,000 total annual account purchases or $20,000 combined bonus-category purchases, whichever comes first; then 1%.
  • Cash advance APR shown is outside Quebec; Quebec rate is 21.99%.
  • Net eligible merchant-classified purchases only.
  • Gas includes EV MCC5552; transit means Canadian local commuter/taxi/rideshare, not air/car rentals/cruises.
  • Recurring must be merchant-coded automatic.
  • CIBC by Expedia eligible travel excludes taxes, insurance and service charges and remains outside bonus cap.
  • Allocate each purchase once.
  • Exclude advances, money transfers, interest, fees, balance transfers, payments and Convenience Cheques.
  • Account open/in good standing.
  • Uniform annual model excludes rounding/refund chronology.
  • Primary cardholder may redeem at least$10 to account credit (within5days); less than$10 by telephone December1–March31.
  • Account must be open/in good standing for earning and redemption.
  • Ongoing estimates exclude acquisition offers, partner promotions, insurance, supplementary fees and interest.
  • Net eligible merchant-classified purchases only. Gas includes EV MCC5552; transit means Canadian local commuter/taxi/rideshare, not air/car rentals/cruises. Recurring must be merchant-coded automatic. CIBC by Expedia eligible travel excludes taxes, insurance and service charges and remains outside bonus cap. Allocate each purchase once. Exclude advances, money transfers, interest, fees, balance transfers, payments and Convenience Cheques. Account open/in good standing. Uniform annual model excludes rounding/refund chronology.
  • Net eligible merchant-classified purchases only. Gas includes EV MCC5552; transit means Canadian local commuter/taxi/rideshare, not air/car rentals/cruises. Recurring must be merchant-coded automatic. CIBC by Expedia eligible travel excludes taxes, insurance and service charges and remains outside bonus cap. Allocate each purchase once. Exclude advances, money transfers, interest, fees, balance transfers, payments and Convenience Cheques. Account open/in good standing. Uniform annual model excludes rounding/refund chronology.
  • Primary cardholder may redeem at least$10 to account credit (within5days); less than$10 by telephone December1–March31. Account must be open/in good standing for earning and redemption.
Complete card reward details

Fees

Fees for the selected cards, in selected order.
FactSimplyCash Preferred Card from American ExpressCIBC Dividend Visa Infinite
Regular annual feeValues differ
$119.88
$120
Supplementary-card feeValues differ
$0
$50
Purchase APR
21.99%
21.99%
Cash advance APRValues differ
21.99%
22.99%

Eligibility

Approval is up to the issuer.

Eligibility for the selected cards, in selected order.
FactSimplyCash Preferred Card from American ExpressCIBC Dividend Visa Infinite
Personal annual income
—
$60,000
Household annual income
—
$100,000

Insurance & benefits

Insurance & benefits for the selected cards, in selected order.
FactSimplyCash Preferred Card from American ExpressCIBC Dividend Visa Infinite
Insurance
Not listed — check the issuer
  • Purchase security$60,000
  • Extended protection$60,000
  • Rental car collision / loss damage$85,000
  • Common carrier accident insurance$500,000
  • Emergency travel medical insurance10 days, up to $5,000,000
  • Mobile device insurance$1,000
Other benefits
—
  • Visa Infinite conciergeIncluded

Sources

Sources for the selected cards, in selected order.
FactSimplyCash Preferred Card from American ExpressCIBC Dividend Visa Infinite
Last verifiedValues differ
Last verified: October 1, 2026
Last verified: October 10, 2026

Approval likelihood, interest expense and actual redemption transactions are not modeled. Verify current issuer terms before applying. WalletReturn methodology

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Advertising disclosure: WalletReturn may earn a commission when you apply through some links. This doesn’t affect how we calculate values or order cards. See our published methodology and advertising disclosure.

Figures are estimates in CAD and rounded for display; rounded contributions may not sum exactly to totals. Ongoing value excludes welcome bonuses, one-time benefits and rebates. Interest expense is not deducted. Benefits depend on your profile and issuer terms.