CIBC Dividend Visa Infinite Card
CIBC
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
Researching and writing about Canadian credit cards and rewards since 2026.
“CIBC Dividend Visa Infinite Card Review — VaultNerd” — VaultNerd, https://www.vaultnerd.com/credit-cards/cibc-dividend-visa-infinite, updated June 2026.
- CIBC cardholder agreement and rates & fees disclosure
- VaultNerd cards database