Rankings
Best CIBC Credit Cards in Canada
CIBC Aeroplan Visa Infinite records the highest first-year value of the CIBC cards we track at $779, and CIBC Dividend Platinum Visa leads the same lineup on net annual rewards at $355. Both figures are net of the annual fee.
Which CIBC credit card earns the most in the first year?
The CIBC Aeroplan Visa Infinite records the highest first-year value of the CIBC cards we track: $779 on our example profile, after its $139 annual fee.
| Card | Annual fee | First-year value | Net annual rewards |
|---|---|---|---|
| TopCIBC Aeroplan Visa Infinite | $139 | $779 | $140 |
| CIBC Aeroplan Visa Infinite Privilege | $599 | $730 | −$270 |
| CIBC Aventura Visa Infinite Privilege | $499 | $647 | −$153 |
| CIBC Dividend Platinum Visa | $99 | $616 | $355 |
| CIBC Dividend Visa Infinite | $120 | $604 | $266 |
WalletReturn example spending of $2,000/month: groceries $500, dining $200, gas $150, transit $80, travel $100, recurring bills $200, entertainment $100, drugstore $40, online $300, other $330.
CIBC’s cards span the Dividend cash-back family and the Aeroplan and Aventura programs, and its two most expensive cards record a negative net annual figure on our example profile.
First-year value counts the welcome bonus where our engine supports the offer; that is $639 of the CIBC Aeroplan Visa Infinite’s total, and it is paid once. Net annual rewards is the figure that describes year two onward.
Put it into practiceCIBC cardsWhich CIBC card is best after the first year?
The CIBC Dividend Platinum Visa records the highest net annual rewards of the lineup at $355 on our example profile.
| Card | Annual fee | First-year value | Net annual rewards |
|---|---|---|---|
| TopCIBC Dividend Platinum Visa | $99 | $616 | $355 |
| CIBC Dividend Visa Infinite | $120 | $604 | $266 |
| CIBC Aeroplan Visa Infinite | $139 | $779 | $140 |
| CIBC Aventura Visa Infinite Privilege | $499 | $647 | −$153 |
| CIBC Aeroplan Visa Infinite Privilege | $599 | $730 | −$270 |
CIBC Aeroplan Visa Infinite Privilege and CIBC Aventura Visa Infinite Privilege record a negative net annual figure here: the annual fee is larger than the rewards we estimate for this spending, before any welcome bonus.
None of these cards records a zero foreign transaction fee, so US-dollar spending carries the card’s recorded fee.
What do CIBC credit cards cost a year?
Annual fees in this lineup run from $99 on the CIBC Dividend Platinum Visa to $599 on the CIBC Aeroplan Visa Infinite Privilege.
| Card | Annual fee | Net annual rewards |
|---|---|---|
| TopCIBC Aeroplan Visa Infinite | $139 | $140 |
| CIBC Aeroplan Visa Infinite Privilege | $599 | −$270 |
| CIBC Aventura Visa Infinite Privilege | $499 | −$153 |
| CIBC Dividend Platinum Visa | $99 | $355 |
| CIBC Dividend Visa Infinite | $120 | $266 |
The value columns on this page are net of the annual fee: a card whose fee is larger than the rewards we estimate shows a negative figure rather than a hidden cost.
A fee is worth paying when the rewards and benefits you would actually use exceed it. Where a benefit needs a spending level or a booking channel you do not use, it does not count.
How does CIBC compare with the rest of the catalogue?
The strongest CIBC card records $779 of first-year value; the highest in the catalogue is $1,251 on the TD First Class Travel Visa Infinite Card.
| Card | First-year value |
|---|---|
| TopCIBC Aeroplan Visa Infinite | $779 |
| TD First Class Travel Visa Infinite Card | $1,251 |
A larger first-year figure usually means a bigger welcome bonus rather than a better ongoing rate: compare the net annual rewards column before reading a gap as a permanent advantage.
Every card is put through the same engine, the same example profile and the same earn rules, so a card cannot move up because of an affiliate relationship.
How do I check these CIBC cards against my own spending?
Enter your monthly spending in Find My Card and the same engine re-ranks these cards on your numbers instead of our example profile.
WalletReturn example spending of $2,000/month: groceries $500, dining $200, gas $150, transit $80, travel $100, recurring bills $200, entertainment $100, drugstore $40, online $300, other $330.
WalletReturn is paid by affiliate links on some cards. That never changes an estimate, a cap or the order of a ranking, and an unrecorded fact stays unrecorded rather than being assumed in a card’s favour.
Keep reading
Choosing a cardCIBC Dividend Visa Infinite vs Scotiabank Momentum Visa Infinite in CanadaOn our example spending profile the Scotia Momentum Visa Infinite + finishes the year $134 ahead: $400 of rewards net of its $120 regular annual fee, against $266 for the CIBC Dividend Visa Infinite after its $120 fee. The Scotia Momentum Visa Infinite + also pays the higher recorded rate in 1 of the 9 categories both cards price, and the CIBC Dividend Visa Infinite in 2.
Choosing a cardCIBC Aventura Visa Infinite vs RBC Avion Visa Infinite in CanadaOn our example spending profile the RBC Avion Visa Infinite finishes the year $99 ahead: $123 of rewards net of its $120 regular annual fee, against $24 for the CIBC Aventura Visa Infinite after its $139 fee. The RBC Avion Visa Infinite also pays the higher recorded rate in 8 of the 9 categories both cards price.
RankingsBest BMO Credit Cards in CanadaBMO VIPorter World Elite Mastercard records the highest first-year value of the BMO cards we track at $1,064, and BMO CashBack World Elite Mastercard leads the same lineup on net annual rewards at $430. Both figures are net of the annual fee.- RankingsBest Scotiabank Credit Cards in CanadaScotiabank Gold American Express records the highest first-year value of the Scotiabank cards we track at $1,011, and Scotia Momentum Visa Infinite + leads the same lineup on net annual rewards at $400. Both figures are net of the annual fee.
Official sources and further reading
Terms vary by product. Confirm the provider’s current terms before acting. This guide does not predict approval, realized value or credit-score changes. How WalletReturn calculates value