What is the annual fee for the CIBC Dividend Visa?

The CIBC Dividend Visa has no annual fee.

Is the CIBC Dividend Visa worth it?

At typical spending of $2,000 a month, WalletReturn estimates $248 in net annual rewards after the annual fee and $248 in value in the first year, including the welcome bonus. Your result depends on how much you spend in its bonus categories.

How many points or how much cash back does the CIBC Dividend Visa earn?

2% cash back on groceries; 1% cash back on gas / EV charging, Canadian commuter transportation, dining, recurring bills; 1% cash back on CIBC by Expedia; 0.5% cash back on other purchases.

What is the interest rate on the CIBC Dividend Visa?

The purchase interest rate is 21.99%.

Les noms officiels des produits sont conservés. Les textes sans version française restent identifiés en anglais; les conditions de l’émetteur font foi.

CIBC Dividend Visa

CIBC

CIBC Dividend cash back

Reward earning

groceries: 2% cash back

Frais annuels: 0,00 $
First-year bonus value: 0 $
Récompenses annuelles nettes: 247,8 $
Valeur la première année: 247,8 $

Based on typical spending of $2,000/month, after the annual fee. See the breakdown

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Last verified: October 1, 2026. Confirm current terms with the issuer.Official issuer source

Détails de la carte

Frais annuels

Main card: 0 $

Additional cards: 0 $

Interest rates

Purchases: 21,99 %

Cash advances: 22,99 %

Annual income

Personal: No minimum

Household: 15 000 $

Foreign transactions

Fee: 2,5 %

Type de carte

Visa · Remise en argent

Récompenses

Program: CIBC Dividend cash back

Émetteur

CIBC

CAD 15,000 minimum household annual income; issuer application and approval conditions apply.

L’approbation relève de l’émetteur.

How you earn rewards

2% cash back on groceries
1% cash back on gas / EV charging, Canadian commuter transportation, dining, recurring bills
1% cash back on CIBC by Expedia
0.5% cash back on other purchases

What is this card worth to you?

Based on typical spending of $2,000/month

Estimated first-year value

247,80 $

net annual rewards

Récompenses annuelles nettes: 247,80 $

Annual rewards breakdown

Rewards earned in a year	247,80 $
Frais annuels	0,00 $
Récompenses annuelles nettes	247,80 $

A category-by-category split isn’t available for this card yet.

Use your own spending

Needs your input
Complete spending details. Complete spending details to calculate your rewards.

Complete these assumptions to calculate your value:

Confirm whether your spending mix is typical throughout one complete rewards year.
Confirm whether this profile includes all purchases for this account, including additional cardholders.
Enter monthly Eligible grocery purchases. This is part of your existing spending.
Enter monthly Eligible gas and EV charging. This is part of your existing spending.
Enter monthly Eligible dining purchases. This is part of your existing spending.
Enter monthly Eligible public transit. This is part of your existing spending.
Enter monthly Other eligible local transportation (excluding public transit). This is part of your existing spending.
Enter monthly Eligible recurring payments. This is part of your existing spending.
Enter monthly Eligible CIBC Rewards Centre / CIBC by Expedia travel. This is part of your existing spending.

Using typical spending

$2,000/month in Canadian-dollar card spending. Travel benefits assumed usable.

Edit spending

Calculation assumptions for this card

Annual estimate assumptions for CIBC Dividend Visa

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.

Cash redemption normally requires at least CAD 10. December–March redemption below CAD 10 is available by phone, per verified Batch 002 facts.

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.

Les montants particuliers de cette carte sont explicitement fixés à 0 $; les dépenses de la catégorie continuent de suivre le taux de base examiné.

Eligible grocery purchases · CAD/monthSHARED account limits: first CAD 30000 total net annual purchases (all merchants/all users) OR CAD 20000 combined grocery/gas/EV/transport/dining/recurring spend, whichever first; then 0.005 CAD/CAD. Reset after December statement date. Numeric annual_cap blank deliberately: not an independent category cap. Network merchant-category classification; net eligible purchases. Allocation is a disjoint subset of its parent; count each net purchase once, not again in another profile category or scope. Parent: $500/month; remaining: $500/month.Eligible gas and EV charging · CAD/monthSHARED account limits: first CAD 30000 total net annual purchases (all merchants/all users) OR CAD 20000 combined grocery/gas/EV/transport/dining/recurring spend, whichever first; then 0.005 CAD/CAD. Reset after December statement date. Numeric annual_cap blank deliberately: not an independent category cap. Network merchant-category classification; net eligible purchases. Include eligible EV MCC 5552 within the gas parent; do not also count EV elsewhere. Allocation is a disjoint subset of its parent; count each net purchase once, not again in another profile category or scope. Parent: $150/month; remaining: $150/month.Eligible dining purchases · CAD/monthSHARED account limits: first CAD 30000 total net annual purchases (all merchants/all users) OR CAD 20000 combined grocery/gas/EV/transport/dining/recurring spend, whichever first; then 0.005 CAD/CAD. Reset after December statement date. Numeric annual_cap blank deliberately: not an independent category cap. Network merchant-category classification; net eligible purchases. Allocation is a disjoint subset of its parent; count each net purchase once, not again in another profile category or scope. Parent: $200/month; remaining: $200/month.Eligible public transit · CAD/monthSHARED account limits: first CAD 30000 total net annual purchases (all merchants/all users) OR CAD 20000 combined grocery/gas/EV/transport/dining/recurring spend, whichever first; then 0.005 CAD/CAD. Reset after December statement date. Numeric annual_cap blank deliberately: not an independent category cap. Canadian local/suburban commuter transport includes subway/streetcar/taxi/limousine/rideshare; excludes air transport/car rentals/cruises. Wider than Phase 1 public-transit allocation. Public-transit portion only; excludes taxi, limousine and rideshare assigned to the other local-transport scope. Allocation is a disjoint subset of its parent; count each net purchase once, not again in another profile category or scope. Parent: $80/month; remaining: $80/month.Other eligible local transportation (excluding public transit) · CAD/monthSHARED account limits: first CAD 30000 total net annual purchases (all merchants/all users) OR CAD 20000 combined grocery/gas/EV/transport/dining/recurring spend, whichever first; then 0.005 CAD/CAD. Reset after December statement date. Numeric annual_cap blank deliberately: not an independent category cap. Canadian local/suburban commuter transport includes subway/streetcar/taxi/limousine/rideshare; excludes air transport/car rentals/cruises. Wider than Phase 1 public-transit allocation. Taxi, limousine and rideshare portion only; exclude all public transit. Both transportation subsets are within the transit parent. Allocation is a disjoint subset of its parent; count each net purchase once, not again in another profile category or scope. Parent: $80/month; remaining: $80/month.Eligible recurring payments · CAD/monthSHARED account limits: first CAD 30000 total net annual purchases (all merchants/all users) OR CAD 20000 combined grocery/gas/EV/transport/dining/recurring spend, whichever first; then 0.005 CAD/CAD. Reset after December statement date. Numeric annual_cap blank deliberately: not an independent category cap. Merchant-coded preauthorized recurring payments; a scheduled card payment is not necessarily merchant-coded recurring. Allocation is a disjoint subset of its parent; count each net purchase once, not again in another profile category or scope. Parent: $200/month; remaining: $200/month.Eligible CIBC Rewards Centre / CIBC by Expedia travel · CAD/monthCIBC by Expedia eligible travel only; excludes taxes/insurance/service charges. Exempt from shared regular bonus caps. General travel earns base rate. No separate channel cap stated in current earn terms. Not Expedia For TD. Allocation is a disjoint subset of its parent; count each net purchase once, not again in another profile category or scope. Parent: $100/month; remaining: $100/month.Je suppose une répartition uniforme des dépenses pendant tout le cycle de récompensesCe profil représente tous les achats de ce compte, y compris ceux des titulaires supplémentaires concernés

Monthly spending details

Review your monthly spending. Apply changes to update your profile across WalletReturn.

Earning rates, caps and redemption options

Prime de bienvenue: 0,00 $
Récompenses annuelles nettes: 247,80 $
Valeur la première année: 247,80 $

Reviewed comparison example · typical Canadian spending · not your personalized estimate

Earning categories

ÉpicerieAccelerators stop at $20,000 eligible-category or $30,000 total annual purchases; 0.5% afterward; reset after December statement2 %cash back
Gas / EV charging, Canadian commuter transportation, dining, recurring billsAccelerators stop at $20,000 eligible-category or $30,000 total annual purchases; 0.5% afterward; reset after December statement1 %cash back
CIBC by ExpediaSeparate agency rate excluded from the $20,000 / $30,000 accelerator limits1 %cash back
Tout le resteBase rate / post-cap fallback0,5 %cash back

Earning rules and limits

Eligible grocery/supermarket merchant codes.
Net purchases only.
Issuer merchant classifications.
Recurring transactions must be pre-authorized and classified recurring.
Transport excludes travel bookings, flights, car rental and cruises.
Eligible agency purchases exclude taxes, insurance and service charges.

Redemption methods

Cash-back account credit
$1 per $1 earned; $10 minimum
Fonctionnement
- Primary cardholder only, open account in good standing.
- Credit within five days of request.
- Below $10 may be redeemed by phone December 1–March 31.
Issuer redemption terms

Rates checked 2026-10-12. Issuer rewards terms

Issuer category definitions, earning limits and restrictions apply.

Insurance & benefits

Travel medical: not included
Trip cancellation: not included
Trip interruption: not included
Flight delay: not included
Baggage: not included
Rental car: not included
Travel accident: not included
Hotel burglary: not included
Mobile device: not included
Protection des achats: included
Garantie prolongée: not included

2 insurance

AssuranceCoverage

Protection des achatsCAD 60,000 total liability per cardholder across
CAD 60,000 total liability per cardholder across held CIBC cards
90 days from purchase
Eligible personal goods and certificate card-payment requirements; other insurance pays first. Excluded goods, account standing, receipts and claim deadlines apply.
Issuer terms (opens new tab)
Not counted in this estimate
Extended protectionCAD 60,000 total liability per cardholder across
CAD 60,000 total liability per cardholder across held CIBC cards
Doubles eligible manufacturer warranty, up to one additional year
Eligible card-paid goods and original warranty valid in Canada. Manufacturer warranty exclusions and certificate limits apply; no cash rewards value.
Issuer terms (opens new tab)
Not counted in this estimate

Pros & cons

Pros

2% cash back on groceries
Sans frais annuels

Cons

2.5% foreign transaction fee
Bonus categories have spending caps

Redemption

Redemption minimum, timing and restrictions

Cash redemption normally requires at least CAD 10. December–March redemption below CAD 10 is available by phone, per verified Batch 002 facts.

Redeem cash back subject to the verified CIBC redemption terms; no warehouse certificate.

Sources & legal

Things to consider

Confirm current fees, earning restrictions, membership requirements and terms with the issuer before applying.

Last verified: October 1, 2026.

What’s not included

Values don’t include interest charges, so they assume you pay your balance in full each month. Insurance and perks without a set dollar value are listed but not counted.

WalletReturn is an independent comparison site, not the card issuer. Values are estimates.

Divulgation publicitaire : WalletReturn peut toucher une commission lorsque vous faites une demande au moyen de certains liens. Cela ne change ni nos calculs ni l’ordre des cartes. Consultez notre méthodologie publiée et divulgation publicitaire.

Verify the issuer’s current product terms before applying.

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