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Canada · personal card · CIBC

CIBC Dividend Visa Infinite Card review

Earn 4% 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 Visa Infinite Card

Key facts

Issuer
CIBC
Network
Visa
Annual fee
$120 (First-year fee rebated with offer)
Welcome offer
Up to $350 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
$60,000
Minimum household income
$100,000
Available in Quebec
Yes
Insurance
Mobile Device Insurance (others not read)
Est. net value / yr
$540 ($660 rewards − $120 fee)

Rewards

Earn 4% 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 4% · gas 4% · dining 2%.

Perks

Up to 10c/L gas 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 Visa Infinite Card?

$120 (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 Visa Infinite Card?

The issuer states a 2.5% foreign currency conversion fee.

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

The issuer states a minimum personal income of $60,000 or a minimum household income of $100,000.

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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.