CIBC Dividend® Visa* Card

CIBC Dividend® Visa* Card
Welcome Bonus
Up to  cash back
Annual Fee
$0
  • No annual fee
Interest rates
Purchase Rates
20.99 %
Cash Advance Rates
22.99 %
21.99 % (QC)
Balance Transfer Rates
22.99 %
21.99 % (QC)

Offer

Welcome Offer: Get 5% cash back for the first 4 statements on net purchases ofup to $2,000 (up to $100 cash back).†

After that, get 2% cash back on eligible grocery purchases and up to 1% on everyday purchases like books, movies, food and more†!

  • 1% cash back on eligible gas, transportation, dining purchases and recurring payments†
  • 0.5% cash back on all other purchases†
  • Get cash back on demand – redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking®

Save on gas with CIBC and Journie Rewards

Link your CIBC Dividend® Visa* Card with Journie Rewards to automatically save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†

This is a digital-exclusive offer.† To be eligible for this offer, you must apply for a new eligible card using the “Apply Now” link available on this webpage.†

Fees & Conditions

Household Income $15,000
Annual Fee $0
First Additional Card $0
Foreign Transaction Fee 2.5%
Purchase Rates 20.99%
Cash Advance Rates 22.99%
Balance Transfer Rates 22.99%
Cash Advance Rate (QC) 21.99%
Balance Transfer Rates (QC) 21.99%

Value

Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Rewards Earned
Annual fee
Net value

Advantages

Welcome Bonus amount Up to  cash back
Minimum Spending Required $2,000
Minimum Spending Timeframe (Months) 4 month(s)

Earnings

Per dollar of purchases

All Spending 0.5
Groceries 2
Gas 1
Dining and Food delivery 1
Convenience Stores 0.5
Drugstores 0.5
Local Transport 1
Travel 0.5
Entertainment 0.5
Recurring Payments 1
Telecom/Internet 0.5
Streaming services 0.5
Online transactions 0.5
Office Supplies 0.5

Insurance

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$100,000
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

Other Insurance

Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
Price Protection
4.1 Milesopedia Rating