CIBC Dividend Visa Infinite Card
Households with heavy grocery and gas spend who want maximum cash back.
VaultNerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Our verdict
CIBC's best card for most people: the 4% grocery/gas rate and broad 2% categories outpace nearly every competitor, easily justifying the fee for typical family spending.
Reward rates
Groceries | 4% |
Gas & EV charging | 4% |
Transportation | 2% |
Dining | 2% |
Recurring payments | 2% |
Travel via CIBC by Expedia | 2% |
Everything else | 1% |
Welcome bonus
Up to $350 in value: 10% cash back welcome bonus (up to $200), $50 pre-authorized payment bonus and first-year annual fee rebate
Requirement: 10% bonus on up to $2,000 in net purchases over first 4 statements; set up one pre-authorized payment within first 4 statements
Pros
- 4% on gas and groceries is among the highest in Canada
- Strong 2% middle tier covers dining, transit and bills
- First-year fee rebate on current offer
Cons
- $120 annual fee after year one
- Visa Infinite income requirement applies
Perks
- Market-leading 4% cash back on gas, EV charging and groceries
- No limit on total cash back earned
- Free Skip+ membership and $10 monthly Skip voucher when linked
- Up to 10 cents off per litre with Journie Rewards
- Visa Infinite hotel, dining and concierge privileges
Insurance
- Mobile device insurance
- Purchase security and extended protection
- Out-of-province emergency travel medical
- Common carrier accident ($500,000)
- Car rental collision and loss damage
Frequently asked questions
Is the CIBC Dividend Visa Infinite Card worth it?
It charges a $120 annual fee, and we rate it 4.5 out of 5. It's best suited to households with heavy grocery and gas spend who want maximum cash back. The welcome bonus is worth roughly $350, which covers the first year for many people. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the CIBC Dividend Visa Infinite Card earn?
It earns 4% on groceries, 4% on gas & ev charging and 2% on transportation.
What credit score do you need for the CIBC Dividend Visa Infinite Card?
We'd suggest a score of around 725 or higher, which puts approval in our "hard" band. It also lists an income requirement of $60,000 personal or $100,000 household. This is a VaultNerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed June 2026 · How we research
“CIBC Dividend Visa Infinite Card Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/cibc-dividend-visa-infinite, updated June 2026.
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