Cash back card · CIBC
CIBC Dividend Visa Infinite
CIBC · Visa · cash back
Below is every rate the CIBC Dividend Visa Infinite earns, each one quoted from CIBC's own terms with the clause and the date we checked it. The $120 annual fee is shown on its own, never subtracted from a rate.
4%
Top rate
1%
Base rate
$120
Annual fee
2.5%
FX fee
Last updated Reviewed by
This card also earns a place on Verdict's best-of rankings for groceries, dining, gas, transit and recurring.
Everything it earns
every rate quoted from CIBC's terms · annual fee shown separately, never netted4%
Groceriesverified Jul 7, 2026Read the clause
Verbatim clause from CIBC's terms
“Earn 4% cash back on purchases (less returns) at merchants classified by the credit card network as (i) grocery stores and supermarkets ...”
Cap $20,000 / yr
Read the source termsGasverified Jul 7, 2026Read the clause
Verbatim clause from CIBC's terms
“... or (ii) gas service stations, automated fuel dispensers and electric vehicle charging with a merchant category code of MCC 5552.”
Cap $20,000 / yr
Read the source terms2%
Transitverified Jul 7, 2026Read the clause
Verbatim clause from CIBC's terms
“Earn 2% cash back ... (i) local and suburban commuter transportation in Canada including subway, streetcar, taxi, limousine and ride sharing services (excludes merchants that may be classified as travel services or travel bookings such as air transport, car rentals and cruises) ...”
Cap $20,000 / yr
Read the source termsDiningverified Jul 7, 2026Read the clause
Verbatim clause from CIBC's terms
“... (ii) eating places and restaurants, drinking places and fast food restaurants ...”
Cap $20,000 / yr
Read the source termsRecurringverified Jul 7, 2026Read the clause
Verbatim clause from CIBC's terms
“... (iii) recurring payments that are pre-authorized with a merchant to occur on a regular schedule (e.g. daily, monthly or annually) and classified by the merchant as recurring ...”
Cap $20,000 / yr
Read the source terms1%
Everything elseverified Jul 7, 2026
The everyday earn outside any bonus category, no cap
Annual fee
Shown on its own, never subtracted from the rates above
$120
Foreign transaction fee
On purchases in a currency other than Canadian dollars
2.5%
How we verify
Every rate on this page is quoted from CIBC's current terms and dated the day we last checked it. When the terms change, the page regenerates. Reviewed by Spotted something off? or email us at
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