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CIBC Dividend® Visa Card

Card Value & Cash Back Calculator
card
Fees
Earning Rates
  • Earn 2% cash back on groceries.
  • Earn 1% cash back on gas, transportation, dining, and recurring payments.
  • Earn 0.5% cash back on everything else.
Main Benefits
  • Discounts on fuel and car rentals, and purchase insurance.
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Earning Rewards

The CIBC Dividend Visa Card earns cash back at the following rates:

  • 2% cash back on groceries.
  • 1% cash back on eligible gas, electric vehicle charging, transportation, dining and recurring payments.
  • 0.5% cash back on everything else.

All bonus categories (2% and 1%) are capped at $80,000 in net annual purchases across all cardholders or $20,000 across each specific category, whichever comes first. Once that cap is hit, all card purchases will earn at the normal rate of 0.5% cash back.

Perks & Benefits

Here are the main benefits of the CIBC Dividend Visa Card:

  • Car Rental Discounts: Get up to 25% off auto rentals at participating Avis® and Budget® locations worldwide when you pay with your Dividend card.
  • Save with Journie Rewards: Save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations when you link your card with Journie Rewards.
  • Travel & Purchase Insurance: Common Carrier Accident Insurance, Purchase Security and Extended Protection Insurance.

Card Fees

Annual Fee

The CIBC Dividend Visa Card has no annual fee.

Authorized User Fee

Add up to 3 authorized users to the CIBC Dividend Visa Card for $0 per additional card.

Foreign Transaction Fee

The CIBC Dividend Visa Card has a foreign currency conversion fee of 2.5%. This means you will be penalized when using this card to make purchases that are not in Canadian Dollars.

CIBC Cash Back Calculator

Input your monthly and yearly spend amounts to calculate how much cash back you can earn with the CIBC Dividend Visa Card. Compare the results side by side up to 2 credit cards to find out which cards are best for you.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

This calculator uses the combined cap of $20,000 annually across the 2% and 1% categories to calculate cash back for the CIBC Dividend Visa Card.

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