CIBC · Visa
CIBC Dividend Visa Infinite Card
Cash back
Welcome offer
Verified · Oct 4Up to $250 cash back
Earn 10% cash back in the first 4 billing periods, on up to $2,000 in spending (up to $200), plus another $50 when you set up a pre-authorized payment in that time. First year free.
- Minimum spend
- $2,000 in 4 months
- Apply by
- Not stated
CIBC's page headline says "up to $350 in value", which counts the waived annual fee. I only count the cash portion.
Checked on October 4, 2026. See the source page
See this card on the issuer's website ↗Fees and requirements
- Annual fee
- $120, first year free
- Foreign transaction fee
- 2.5%
- Purchase rate
- 21.99%
- Cash advance rate
- 22.99%
- Income requirement
- Personal $60,000 or Household $100,000
- Costco in store
- Not accepted (Costco takes only Mastercard in store)
Fees and rates were imported on September 6, 2026, and the annual fee has been checked.
Welcome offer history
Earlier offers are struck through below, to help you judge whether now is a good time to apply. The current offer is $100 less than the previous one on record. The highest offer on record was $350.
- Now · Checked October 4, 2026Up to $250 cash backSpend $2,000 in 4 months · Annual fee $120 · First year free
- January 8, 2026 · Reported publicly at the time
Up to $350 cash backSpend $3,000 in 4 months · Annual fee $120 · First year free · $50 of this requires setting up a pre-authorized payment - Before January 8, 2026 · Reported publicly at the time
Up to $300 cash back - January 7, 2025 · Reported publicly at the time
Up to $250 cash backSpend $2,500 in 4 months · Annual fee $120 · First year free - December 8, 2024 · Reported publicly at the time
Up to $300 cash backSpend $3,000
Offers marked “Reported publicly at the time” ran before I started tracking this card myself (October 4, 2026). The numbers are second-hand, from reports published then, and I did not see those offers myself. Conditions the reports did not mention are not listed here.
Rewards
What each category earns
| Category | Earn per $1 |
|---|---|
| Groceries | 4% |
| Dining and delivery | 2% |
| Gas and EV charging | 4% |
| Recurring bills | 2% |
| Transit | 2% |
| Drugstores | 1% |
| Travel | 1% |
| Entertainment | 1% |
| Phone and internetMust be set up as an automatic payment | 2% |
| StreamingMust be set up as an automatic payment | 2% |
| Online shopping | 1% |
| Convenience stores | 1% |
| Office supplies | 1% |
| Other spending | 1% |
Checked against the issuer's page on October 7, 2026. High-return categories usually have a monthly or annual cap, and issuers exclude some merchants. See the source page
Benefits
- Concierge
- Yes
Included insurance
- Travel medical
- Included
- Travel medical (age 54 and under)
- $5,000,000, 10 day(s)
- Travel medical (age 64 and under)
- $5,000,000, 10 day(s)
- Travel accident
- $500,000
- Rental car collision
- $85,000, 48 day(s)
- Extended warranty
- 1 year
- Purchase protection
- 90 day(s)
- Mobile device
- $1,000, 2 year(s)
Coverage amounts and number of days are as stated in the certificate of insurance.