| Comment vous accumulezLes valeurs diffèrent | CIBC Dividend 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 % sur les autres achats
| Simplii Financial Cash Back Visa 4 % de remise en argent dans les restaurants et bars admissibles 1,5 % sur l’essence, l’épicerie, les pharmacies et les paiements préautorisés- 0,5 % de remise en argent sur tous les autres achats
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| Conditions des récompenses | CIBC Dividend Visa InfiniteVoir les conditions des récompenses4% 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 | Simplii Financial Cash Back VisaVoir les conditions des récompenses4% cash back at eligible restaurants and bars; 1.5% on gas, groceries, drugstores and pre-authorized payments; 0.5% elsewhere. Eligible purchase scopes, shared limits, qualifying channels or thresholds affect earning. - Dining bonus applies to the first $5,000 annually; 1.5% categories share a $15,000 annual spending cap; then 0.5%.
- Up to three additional cardholders have no annual fee.
- Eligible net purchases in an open account in good standing.
- Exclude cash advances, interest, fees, balance transfers, payments and Convenience Cheques.
- Eligible restaurant/bar/caterer/fast-food MCCs, grocery, gas and drugstore classifications and merchant automatic recurring payments only.
- Assign overlapping eligible purchases once to the higher category subject to its limit; allocations must be disjoint.
- EV charging is not verified as gas.
- Quebec residents are ineligible.
- Return adjustments can differ from the original purchase rate; transaction chronology and rounding excluded.
- Cashback earned from January through December statements is redeemed at the end of the December statement period and credited to the next January statement; account must be open and in good standing.
- Eligible net purchases in an open account in good standing. Exclude cash advances, interest, fees, balance transfers, payments and Convenience Cheques. Eligible restaurant/bar/caterer/fast-food MCCs, grocery, gas and drugstore classifications and merchant automatic recurring payments only. Assign overlapping eligible purchases once to the higher category subject to its limit; allocations must be disjoint. EV charging is not verified as gas. Quebec residents are ineligible. Return adjustments can differ from the original purchase rate; transaction chronology and rounding excluded.
- Eligible net purchases in an open account in good standing. Exclude cash advances, interest, fees, balance transfers, payments and Convenience Cheques. Eligible restaurant/bar/caterer/fast-food MCCs, grocery, gas and drugstore classifications and merchant automatic recurring payments only. Assign overlapping eligible purchases once to the higher category subject to its limit; allocations must be disjoint. EV charging is not verified as gas. Quebec residents are ineligible. Return adjustments can differ from the original purchase rate; transaction chronology and rounding excluded.
- Cashback earned from January through December statements is redeemed at the end of the December statement period and credited to the next January statement; account must be open and in good standing.
Complete card reward details |
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