CIBC Dividend Visa Infinite vs. TD Cash Back Visa Infinite

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.

3% cash back on eligible groceries, gas/EV charging, public transit, recurring bills and streaming/digital media; 1% elsewhere.

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

• Eligible merchant categories and annual category spending limits apply; confirm current issuer definitions.
• Eligible net posted purchases in open good-standing account.
• Grocery MCC5411; gas/EV5541/5542/5552; public transit4111 only, not all taxis/travel; PAP must be Visa-classified recurring.
• Streaming/digital media MCC5815/5816/5817/5818/4899 shares PAP limit.
• Allocate overlapping purchases once to issuer category, not twice.
• Exclude advances, transfers, cheques, interest, fees, adjustments, refunds and rebates.
• Uniform-cycle estimate excludes transaction rounding/refund chronology.
• 1CashBackDollar=$1account credit; on-demand minimum$25, or instructed annual January redemption without minimum.
• Open active good-standing account required; inactivity/closure forfeiture conditions apply.
• Ongoing estimates exclude acquisition offers, partner promotions, insurance, supplementary fees and interest.
• Eligible net posted purchases in open good-standing account. Grocery MCC5411; gas/EV5541/5542/5552; public transit4111 only, not all taxis/travel; PAP must be Visa-classified recurring. Streaming/digital media MCC5815/5816/5817/5818/4899 shares PAP limit. Allocate overlapping purchases once to issuer category, not twice. Exclude advances, transfers, cheques, interest, fees, adjustments, refunds and rebates. Uniform-cycle estimate excludes transaction rounding/refund chronology.
• Eligible net posted purchases in open good-standing account. Grocery MCC5411; gas/EV5541/5542/5552; public transit4111 only, not all taxis/travel; PAP must be Visa-classified recurring. Streaming/digital media MCC5815/5816/5817/5818/4899 shares PAP limit. Allocate overlapping purchases once to issuer category, not twice. Exclude advances, transfers, cheques, interest, fees, adjustments, refunds and rebates. Uniform-cycle estimate excludes transaction rounding/refund chronology.
• 1CashBackDollar=$1account credit; on-demand minimum$25, or instructed annual January redemption without minimum. Open active good-standing account required; inactivity/closure forfeiture conditions apply.