Your Best Cards

Ranked by math. Ads and any paid links never change the order · card terms verified at the issuer, dated · how we’re funded →

Canada · personal card · CIBC

CIBC Dividend Platinum Visa Card review

Earn 3% cash back on gas, EV charging and groceries, 2% on transportation, dining, recurring payments and Expedia travel, and 1% on everything else.

By · Card data read October 7, 2026 · How we rank Canadian cards

Apply on issuer siteTerms apply
CIBC Dividend Platinum Visa Card

Key facts

Issuer
CIBC
Network
Visa
Annual fee
$99 (First-year fee rebated with offer)
Welcome offer
Up to $300 value: 10% cash back welcome bonus up to $200 on first $2,000 in 4 statements, $50 for a pre-authorized payment, first-year fee rebate
Foreign transaction fee
2.5%
Minimum personal income
Not stated
Minimum household income
$15,000
Available in Quebec
Yes
Insurance
Auto Rental Collision Insurance
Est. net value / yr
$453 ($552 rewards − $99 fee)

Rewards

Earn 3% cash back on gas, EV charging and groceries, 2% on transportation, dining, recurring payments and Expedia travel, and 1% on everything else.

Earn rates the issuer states: base 1% · groceries 3% · gas 3% · dining 2%.

Perks

Pay in installments; gas savings via Journie Rewards

How we put this page together

Every figure here was read on CIBC’s own page on October 7, 2026; fields the page did not state are shown as “not stated” rather than estimated. The net value estimate uses the method on our Canada methodology. Card rules and your rights as a cardholder: FCAC. Note: Purchase/cash APR not shown in static HTML (page placeholder filled by script) so left null. FX fee not stated. FX fee read on issuer document: https://www.cibc.com/content/dam/cibc-public-assets/personal-banking/credit-cards/documents/cibc-creditcard-annual-interest-rate-fees-11995-en.pdf

Frequently asked questions

What is the annual fee on the CIBC Dividend Platinum Visa Card?

$99 (First-year fee rebated with offer), as read on CIBC’s website on October 7, 2026.

Is there a foreign transaction fee on the CIBC Dividend Platinum Visa Card?

The issuer states a 2.5% foreign currency conversion fee.

What income do I need for the CIBC Dividend Platinum Visa Card?

The issuer states a minimum household income of $15,000.

More CIBC cards

  1. #1

    CIBC Adapta Mastercard CIBC

    Net $280/yr

    Earns 1.5 Adapta points per $1 in your top three spend categories each month, 2 points per $1 on travel via CIBC by Expedia, and 1 point per $1 on everything else.

    Earn: base 1 pts · travel 2 pts

    Annual fee
    $0
    Est. net value / yr
    $280
    Welcome offer
    Join and earn up to $200 in value; includes 3,000 Adapta points at $1,000 spend in first 4 statements and roadside assistance membership
    Foreign transaction fee
    2.5%
    Apply on issuer siteCard detailsRead October 7, 2026
  2. #2

    CIBC Adapta Mastercard for Students CIBC

    Net $280/yr

    Earns 1.5 Adapta points per $1 in your top three spend categories each month, 2 points on travel via CIBC by Expedia, and 1 point per $1 on everything else.

    Earn: base 1 pts · travel 2 pts

    Annual fee
    $0
    Est. net value / yr
    $280
    Welcome offer
    Join and earn up to $280 in value with no annual fee
    Foreign transaction fee
    2.5%
    Apply on issuer siteCard detailsRead October 7, 2026
  3. #3

    CIBC Aeroplan Visa Card CIBC

    Net $642/yr

    Earn 1 Aeroplan point per $1 on Air Canada, gas, EV charging, groceries and all other purchases; earn points twice at Aeroplan partners.

    Earn: base 1 pts · groceries 1 pts · gas 1 pts · travel 1 pts

    Annual fee
    $0
    Est. net value / yr
    $642
    Welcome offer
    Up to 10,000 Aeroplan points: 2,500 on first purchase, 2,500 at $1,500 in 4 statements, 5,000 anniversary bonus at $10,000 in 12 statements
    Foreign transaction fee
    2.5%
    Apply on issuer siteCard detailsRead October 7, 2026
  4. #4

    CIBC Aeroplan Visa Business Card CIBC

    Net $577/yr

    Earn 2 Aeroplan points per $1 on Air Canada and Hyatt, 1.5 on travel, transportation, dining, shipping, internet, cable and phone, and 1 on other purchases.

    Earn: base 1 pts · dining 1.5 pts · travel 2 pts

    Annual fee
    $180 (First year rebated; additional cards $50 each (up to 9))
    Est. net value / yr
    $577
    Welcome offer
    Up to $2,600 in value including up to 75,000 Aeroplan points
    Purchase rate
    As low as 12.99%
    Foreign transaction fee
    2.5%
    Apply on issuer siteCard detailsRead October 7, 2026

Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.