CIBC Dividend Visa Card Calculator

Card Details & CIBC Cash Back Calculator
2% Grocery
0.5%/1% Everything Else
Travel & Purchase Insurance

CIBC Cash Back Calculator for the CIBC Dividend Visa Card. Calculate cash back and card value. Compare against top rewards cards.


Bonus Categories

The CIBC Dividend Visa Card has one bonus category which is grocery. The category has a cap of $6,000 per year in which you'll earn at a rate of 1% for the remainder of the year once that cap is hit. There's no limit to the amount of cash back you can earn with the card overall.

  • 2% Grocery
    • Category has a $6,000 cap in which you'll earn 1% cash back for the remainder of the year once the cap is hit.
  • 0.5%/1% Everything Else
    • Earn 0.5% on the first $6,000 spent during the calendar year on non-grocery spend.
    • Earn 1% on all non-grocery spend over $6,000 during the calendar year.

Perks & Benefits

The CIBC Dividend Visa Card comes with a few small handful of benefits including savings on gas and purchase protections.

  • Gas Station Savings
    • Link your card to Journie Rewards and get 3 cents off per litre at Chevron, Ultramar, and Pioneer gas stations.
  • Travel & Purchase Coverage

Sign Up Bonus (SUB)

The CIBC Dividend Visa Card does not have a standard sign up bonus.

Fees & Income Requirements

Annual Fee

The CIBC Dividend Visa Card does not have an annual fee.

Authorized User Fee

There is no fee to add authorized users to the CIBC Dividend Visa Card. You can add up to 3 users for free. I recommend doing such if you have friends or family that can run a good amount of spend through the card to help maximize your cash back.

Foreign Transaction Fee

The foreign currency conversion fee for the CIBC Dividend Visa Card is 2.5% of the converted amount.

Income Requirements

The income requirements for the CIBC Dividend Visa Card is a minimum annual household income of $15,000.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Categories
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Options
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
$0

Rakuten Rewards

Earn additional cash back when booking travel and shopping online using Rakuten. It's an easy way to double and triple dip on rewards. Sign up for free through The Point Calculator to earn bonus cash back and to help out the site!
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Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
$0
Total Return
The percent you are earning based on spend, earnings, and fees.

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