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CIBC Dividend Visa Infinite

CIBC

VisaRemise en argent

Accumulation des récompenses

4% cash back on eligible gas, EV charging and groceries

Offre actuelle : 10 % de remise en argent pendant 4 relevés (jusqu’à 200 $) + 50 $ + remboursement des frais de la première année Des conditions s’appliquent.

Frais annuels
120,00 $
Valeur de la prime la première année
218 $
Récompenses annuelles nettes
266 $
Valeur la première année
604 $

Selon des dépenses typiques de 2 000 $ par mois, après les frais annuels. Voir le détail

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Dernière vérification : 10 octobre 2026. Confirmez les conditions actuelles auprès de l’émetteur.Source officielle de l’émetteur for CIBC Dividend Visa Infinite (opens new tab)

Détails de la carte

Frais annuels

Carte principale : 120,00 $

Cartes supplémentaires : 50,00 $

Taux d’intérêt

Achats : 21,99 %

Avances de fonds : 22,99 %

Prime de bienvenue

10 % de remise en argent pendant 4 relevés (jusqu’à 200 $) + 50 $ + remboursement des frais de la première année

10% on up to $2,000 of purchases in the first 4 statements; $50 for setting up a pre-authorized payment in the first 4 statements; first-year fee rebated. Counted value is the extra over the regular rate.

Revenu annuel

Personnel : 60 000 $

Ménage : 100 000 $

Opérations en devises

Frais : À confirmer auprès de l’émetteur

Type de carte

Visa · Remise en argent

Récompenses

Programme : Remise en argent

Émetteur

CIBC

L’approbation relève de l’émetteur.

Comment vous accumulez des récompenses

  • 4% cash back on eligible gas, EV charging and groceries
  • 2% on eligible dining, transportation, recurring payments and CIBC by Expedia travel
  • 1 % sur les autres achats

Combien cette carte vaut-elle pour vous?

Selon des dépenses typiques de 2 000 $ par mois

Valeur estimée la première année

604,00 $

net annual rewards + welcome bonus + first-year fee rebate

Récompenses annuelles nettes
266,00 $

Récompenses d’une année typique, après les frais annuels

Prime de bienvenue
218,00 $

Une seule fois, si vous respectez l’exigence de dépenses de l’offre

Remboursement des frais la première année
120,00 $

Frais annuels annulés ou remboursés la première année

Détail des récompenses annuelles

Épicerie150,00 $
Essence et recharge de véhicules électriques45,00 $
Autres achats39,60 $
Restaurants et repas36,00 $
Paiements récurrents36,00 $
Achats en ligne36,00 $
Transport en commun14,40 $
Voyages12,00 $
Divertissement12,00 $
Pharmacies4,80 $
Frais annuels− $120.00
Récompenses annuelles nettes266,00 $
Utiliser vos propres dépenses

Requiert vos données
Complete spending details. Complete spending details to calculate your rewards.

View illustrative rewards

Illustrative example — not your personalized estimate. Example: $2,000/month · $24,000/year · no bonus. Uniform full reward year; half of applicable categories is allocated to eligible scopes, split across sibling scopes; streaming $25, portal/digital/membership $0. These are scenario assumptions. No fee waiver is included. This example does not change your spending profile. Edit example allocations in the card's Rewards & conditions menu.

Illustrative annual rewards
385,80 $
Frais annuels habituels
120,00 $
Illustrative net ongoing value
266,00 $

Actual rewards depend on eligible purchases, caps and redemption rules. Interest is excluded. Personalize this calculation

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 groceries. This is part of your existing spending.
  • Enter monthly Eligible gas. This is part of your existing spending.
  • Enter monthly Eligible transit. This is part of your existing spending.
  • Enter monthly Eligible dining. This is part of your existing spending.
  • Enter monthly Eligible recurring bills. This is part of your existing spending.
  • Enter monthly Eligible CIBC by Expedia fare (exclude taxes/fees). 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 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.

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

Monthly spending details

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

Taux d’accumulation, plafonds et options d’échange
Typical spending: $2,000/month · $24,000/year · net of annual fee
First-year bonus
218,00 $
Récompenses annuelles nettes
266,00 $
Valeur la première année
604,00 $

Redemption methods

  • Standard point value
    —
Bonus rates apply to eligible purchases; everything else earns the base rate.
Points Breakdown — earning schedule
Spending categoryEarning rateRestrictions & Spending capAnnual earning
groceries4% cash back
Up to $20,000 a statement year (shared) · Up to $50,000 a statement year$20,000.00 eligible pool purchases / statement year; $50,000.00 total account purchases / statement year

After cap: 1% cash back

120,00 $
gas4% cash back
Up to $20,000 a statement year (shared) · Up to $50,000 a statement year$20,000.00 eligible pool purchases / statement year; $50,000.00 total account purchases / statement year

After cap: 1% cash back

36,00 $
transit2% cash back
Up to $20,000 a statement year (shared) · Up to $50,000 a statement year$20,000.00 eligible pool purchases / statement year; $50,000.00 total account purchases / statement year

After cap: 1% cash back

9,60 $
dining2% cash back
Up to $20,000 a statement year (shared) · Up to $50,000 a statement year$20,000.00 eligible pool purchases / statement year; $50,000.00 total account purchases / statement year

After cap: 1% cash back

24,00 $
recurring bills2% cash back
Up to $20,000 a statement year (shared) · Up to $50,000 a statement year$20,000.00 eligible pool purchases / statement year; $50,000.00 total account purchases / statement year

After cap: 1% cash back

24,00 $
CIBC by Expedia fare (exclude taxes/fees)2% cash back
See rulesUncapped under the reviewed ongoing schedule
0,00 $
Other & non-bonus-eligible purchases1 % de remiseBase rate on residual purchases; merchant bonus eligibility not assumed172,20 $
Full base-rate purchase details (10 categories)
Residual purchasesBase rateAnnual purchasesAnnual earning
groceries1 % de remise3 000,00 $30,00 $
dining1 % de remise1 200,00 $12,00 $
gas1 % de remise900,00 $9,00 $
transit1 % de remise480,00 $4,80 $
travel1 % de remise1 200,00 $12,00 $
recurring bills1 % de remise1 200,00 $12,00 $
entertainment1 % de remise1 200,00 $12,00 $
drugstore1 % de remise480,00 $4,80 $
online shopping1 % de remise3 600,00 $36,00 $
other1 % de remise3 960,00 $39,60 $
Potential offer — timing or valuation unresolvedCurrent10%first4statements on2000netpurchases plus50preauthorizedsetup first4statements;fee120rebate. Replacescategoryregularrates; needsharedcapvariableincrement/PAPqualification andstatementperiodchronology. Year 1: Year1 remains unavailable until current acquisition conditions, exact introductory time windows and first-year reset chronology are independently approved. Ongoing annual earning is separately certified.
Assumptions, restrictions & sources

Using typical spending. Annual rewards below are before the regular annual fee and exclude welcome offers.

Purchase scopes, account thresholds or shared limits affect earning. Eligible purchase scopes, spending thresholds or shared limits require the complete rules and calculation ledger.

Only the selected certified method is calculated. Optional travel assumptions appear separately and are not guaranteed redemption rates.

Published earning schedule

  • 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.

Restrictions, caps & redemption

  • 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.
  • 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.

Regular annual fee: $120.00. The value ledger deducts applicable fees separately.

Total annual estimated reward value: $385.80.

Year 1 estimate unavailable. Year1 remains unavailable until current acquisition conditions, exact introductory time windows and first-year reset chronology are independently approved. Ongoing annual earning is separately certified.

Official cashback statement-credit CAD face redemption, subject to minimum and account eligibility.

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.

Issuer category definitions, earning limits and restrictions apply.

Assurances et avantages

  • Soins médicaux en voyage: included
  • Annulation de voyage: not included
  • Interruption de voyage: not included
  • Retard de vol: not included
  • Bagages: not included
  • Location de voiture: included
  • Accident de voyage: included
  • Vol à l’hôtel ou au motel: not included
  • Appareils mobiles: included
  • Protection des achats: included
  • Garantie prolongée: not included

6 assurances1 avantage

AssuranceCoverage
  • Protection des achats60 000 $

    $60,000 per cardholder across all CIBC cards held

    90 days from purchase

    Eligible personal items must meet the certificate card-payment requirements; reimbursement follows the covered purchase price or eligible portion. Excluded goods, other-insurance priority, claim documents and account-standing rules apply. Claim limits are not cash rewards.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Protection prolongée60 000 $

    $60,000 per cardholder across all CIBC cards held

    Doubles manufacturer warranty; up to 1 additional year

    Eligible personal items must meet the certificate card-payment requirements; reimbursement follows the covered purchase price or eligible portion. Excluded goods, other-insurance priority, claim documents and account-standing rules apply. Claim limits are not cash rewards.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Collision ou dommages au véhicule de location85 000 $

    Up to $85,000 per rental; eligible vehicle and certificate apply

    Maximum 48 rental days

    Eligible rental vehicle only; full rental payment and declining the rental agency collision waiver are required under the certificate. Vehicle exclusions, authorized-driver rules and claim documentation apply. MSRP is a vehicle eligibility ceiling, not a promised claim payment.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Assurance accident de transport public500 000 $

    Up to $500,000 per insured person

    Covered common-carrier passenger journey; certificate applies

    Eligible Canadian-resident cardholder, spouse or dependent; insured causes, card-payment qualifications, other insurance, good standing and claims conditions apply. Payment fraction varies by coverage: confirm the certificate before booking. Summary is explanatory; certificate controls. Accidental death/dismemberment only; sickness and non-passenger travel excluded.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Assurance soins médicaux d’urgence en voyage10 jours, jusqu’à 5 000 000 $

    Up to $5,000,000 per insured person / trip

    10 days; age ≤64

    Eligible Canadian-resident cardholder, spouse or dependent; insured causes, card-payment qualifications, other insurance, good standing and claims conditions apply. Payment fraction varies by coverage: confirm the certificate before booking. Summary is explanatory; certificate controls. Outside home province; government health coverage, pre-existing stability and assistance requirements apply.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Assurance appareils mobiles1 000 $

    Up to $1,000 per occurrence / insured person

    Eligible phone/smartphone/tablet loss, theft or accidental damage. Card-payment/financing and device-specific duration conditions require certificate confirmation; depreciation, deductibles, claims and exclusions apply. Historical catalogue notes (unverified; reviewed certificate controls): Mobile device and travel insurance, subject to certificate terms.

    Issuer terms (opens new tab)

    Not counted in this estimate

AvantagesDétails
  • Service de conciergerie Visa InfiniteInclus

    Service access, not a cash credit; purchased goods/services remain payable. Factual/display-only: no product-specific WalletReturn valuation approved. Monetary value blank, not coverage/discount face value; no live record treatment asserted.

    Issuer terms (opens new tab)

    Not counted in this estimate

Points forts et points faibles

Points forts

  • Prime de bienvenue d’une valeur d’environ 218 $
  • 4% cash back on eligible gas, EV charging and groceries
  • Les récompenses typiques couvrent les frais annuels de 120 $
  • 6 types d’assurance inclus

Points faibles

  • Frais annuels de 120 $
  • Revenu personnel de 60 000 $ requis
  • Les catégories bonifiées ont des plafonds de dépenses

Échange

Minimum, délais et restrictions d’échange
  • 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.

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.

Sources et mentions légales

Points à considérer

  • Confirmez auprès de l’émetteur les frais, les restrictions d’accumulation, les conditions d’adhésion et les modalités actuelles avant de faire une demande.

Dernière vérification : 10 octobre 2026.

Ce qui n’est pas inclus

Les valeurs n’incluent pas les frais d’intérêt : elles supposent que vous payez votre solde en entier chaque mois. Les assurances et les avantages sans valeur fixe en dollars sont indiqués, mais pas comptés.

WalletReturn est un site de comparaison indépendant, pas l’émetteur de la carte. Les valeurs sont des estimations.

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.

Vérifiez les conditions actuelles du produit auprès de l’émetteur avant de faire une demande.

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