CIBC Dividend Platinum Calculator: Cash Back Estimator for Everyday Spending
Fees
Earning Rates
- Earn 3% cash back on eligible gas, electric vehicle charging, and groceries.
- Earn 2% cash back on transportation, dining and recurring payments.
- Earn 1% cash back on all other purchases.
Main Benefits
- Save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations
- Save on car rentals with Avis and Budget
- Travel & purchase insurance
CIBC Dividend Visa Platinum Cash Back Calculator
Use this calculator to estimate how much cash back you’ll earn with the CIBC Dividend® Visa Platinum Card.
This calculator uses the combined cap of $20,000 annually across the 3% and 2% categories to calculate cash back for the CIBC Dividend Platinum Visa Card.
Card Details All links open in new tab (so you will not lose your calculations).
Edit Card Details
Edit Card Name
Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.
Quick Assign
Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.
Currency Codes
Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.
Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.
Currency Name
Add Status / Loyalty
You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.
If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.
NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.
Clear / Remove...
If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.
Card Select
Select the card you will use for this category.
Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.
Credit Cards
Card Details
Earning Rates
The CIBC Dividend Visa Platinum Card earns cash back at the following rates:
- 3% cash back on eligible gas, electric vehicle charging, and groceries.
- 2% cash back on transportation, dining and recurring payments.
- 1% cash back on everything else.
All bonus categories (3% and 2%) 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 1% cash back.
Key Benefits
Here are the main benefits of the CIBC Dividend Visa Platinum 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, Auto Rental Collision and Loss Damage Insurance, Purchase Security and Extended Protection Insurance.
Fees
Annual Fee
The CIBC Dividend Visa Platinum Card has an annual fee of $99. The first year is usually rebated.
Authorized User Fee
Adding authorized users to the CIBC Dividend Visa Platinum Card will cost you $30 each for up to 3 additional cards. The first year is usually rebated.
Foreign Transaction Fee
The CIBC Dividend Visa Platinum 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.