wealthgeist
Cash back · Visa Infinite
CIBC Dividend Visa Infinite
Cash back on eligible spending. Compare the earn rates and conditions with where you shop.
- Annual fee
- $120
- Foreign transaction fee
- 2.5%
- Purchase APR
- 20.99%
Free · No account needed
Card details reviewed
You prefer cash back and spend at merchants that qualify for the listed rates.
Extra rewards and benefits need to outweigh the annual fee. Interest can outweigh rewards if you carry a balance.
Your estimate
See the rewards after fees, based on where you actually shop.
Your spending is ready to use.
Compare verified cardsAn estimate, not a guarantee. Approval is up to the issuer.
Rewards
Current rates. Conditions and limits matter as much as the headline number.
- Eligible grocery purchases (4%)
- 4% cash back
Limit: $20,000 in eligible spending per calendar year, shared across qualifying reward categories; then 1%.
- Eligible gas and EV charging (4%)
- 4% cash back
Limit: $20,000 in eligible spending per calendar year, shared across qualifying reward categories; then 1%.
- Dining and restaurants (2%)
- 2% cash back
Limit: $20,000 in eligible spending per calendar year, shared across qualifying reward categories; then 1%.
- Daily transportation and transit (2%)
- 2% cash back
Limit: $20,000 in eligible spending per calendar year, shared across qualifying reward categories; then 1%.
- Recurring bill payments (2%)
- 2% cash back
Limit: $20,000 in eligible spending per calendar year, shared across qualifying reward categories; then 1%.
- All other eligible purchases (1%)
- 1% cash back
Merchant coding and eligibility determine the rate. Rates do not add together unless the issuer explicitly allows it.
Using your rewards
Redemption value depends on how you use your rewards. Check the issuer’s redemption terms before comparing points with cash.
Welcome offer
10% cash back on up to $2,500 in eligible purchases in the first 4 statement periods (up to $250 value) plus first-year annual fee rebate
Fees and eligibility
Paying interest can outweigh the rewards you earn.
- Annual fee
- $120
- Additional card
- $30
- Purchase interest rate
- 20.99%
- Cash advance interest rate
- 22.99%
- Foreign transaction fee
- 2.5%
Who can apply?
- Personal income
- $60,000
- Household income
- $100,000
Meeting published income criteria does not guarantee approval. Other eligibility conditions and fees may apply.
More fees and conditions
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Benefits
Value the benefits you will use—not every advertised perk.
Card benefits
Save up to 10¢/L on fuel at Pioneer, Fas Gas, Ultramar and Chevron with Journie Rewards
Insurance & purchase protection
Coverage has eligibility rules, limits and exclusions. The insurance certificate controls.
Purchase protection extended warranty
Purchase Security and Extended Warranty Insurance
Mobile device insurance
Mobile Device Insurance up to $1,000
Rental car collision damage
Auto Rental Collision and Loss Damage Insurance
Emergency travel medical
Out-of-Province Emergency Travel Medical Insurance (up to $5,000,000)
Similar cards
Related reward programs and fees—not a ranking for your spending.
Common questions
Is CIBC Dividend Visa Infinite worth the annual fee?
It depends on whether the extra rewards and benefits you actually use outweigh the $120 annual fee. Use your spending to compare the ongoing value after fees.
Does this card charge a foreign transaction fee?
The published foreign transaction fee is 2.5%. Exchange rates and other applicable charges can still affect your cost. See the issuer’s terms.
How does WealthGeist calculate my estimate?
We match eligible spending to each card’s reward rules, account for spending limits and subtract fees. You can check the breakdown and adjust assumptions. Welcome offers and ongoing rewards are shown separately.
How we compare