CIBC Dividend Visa Infinite Card

Relevant if: you can benefit from its documented earning categories.

Less suitable if: you do not recover at least $120 in value to offset the annual fee.

Annual fee: $120
Reward type: Cash back
Welcome offer: Confirmed offer
First-year estimate: $1,292.50

Data verified on September 7, 2026

Estimate with my spending

Futello estimate

Estimated net value — first year

$1,292.50

Annual fee thereafter: $120
First-year fee: $0 — first year free ($120 rebate)

View the official page

View calculation details

This estimate combines the card’s ongoing value in a balanced scenario with the portion of its welcome offer earned during the first 12 months.

Ongoing net value in the scenario: $802.50
Recurring annual fee already deducted: $120
Welcome-offer value earned during the first 12 months: $370
First-year fee: $0 — first year free ($120 rebate)

Balanced reference scenario

Value calculated with a balanced spending basket of $36,000 per year.

Everyday purchases$11,250
Gas / charging$4,500
Groceries$11,250
Pre-authorized payments$4,500
Restaurants$4,500

The total amount matches the selected level and is applied entirely to this card. Rewards are projected from the certified balanced scenario; fees are never multiplied. A first-year fee rebate is applied only when confirmed in the published offer. Ordinary rewards on required spending are not counted twice.

First year

Welcome offer

Up to $350 in welcome value including a first-year fee rebate End date not published

10% bonus cash back, up to $200 on the first $2,000 in the first 4 statements Spend $2,000 within 4 months
$50 bonus after one qualifying pre-authorized payment in the first 4 statements Earn within 4 months

Current offer · not enough history to compare
Offer quality: Good Futello rating grid

Welcome bonus: 10 $ CAD
Requirements: $2,000 in spending within 4 months · 2 tiers
Annual fee rebate: $120
Estimated value: $370 first 12 months, per the valuation published by Futello
Last verified: September 4, 2026 · Verified 17 days ago

Historical context

Futello does not yet have enough verified history to compare this offer.

Facts come from the data published by Futello (official issuer source, verified history). The page does not estimate anything on its own. Are credit-card welcome bonuses worth it? · How offers are evaluated

Earning

Rewards

Category	Reward	Conditions
Transit, taxis and ridesharing, CIBC travel with Expedia, Pre-authorized payments, and Restaurants	2%	No published cap
Other purchases	1%	No published cap
Electric vehicle charging, Gas, and Groceries	4%	No published cap

Fees and eligibility

Annual fee thereafter: $120
Additional card: $50, up to 3 cards (rebated for the first year)
Published minimum income: $60,000 personal or $100,000 household
Availability in Quebec: Available

Geographic eligibility never guarantees approval.

Benefits

Journie Rewards fuel savingsConfirmed
Visa Infinite program benefitsConfirmed
Complimentary concierge serviceConfirmed

Insurance

Rental car collision and loss damage insurance 48 days

Conditions

Rental vehicle MSRP up to CAD 85,000; initiate and complete the rental with the same valid card and charge the full rental cost, including taxes, to the card; reward-point rentals are covered under the certificate conditions.
Main exclusions: Vehicles, uses and losses excluded by the certificate remain outside coverage.
View source
Common carrier accident insurance $500,000

Conditions

Per insured person; at least 75% of the common-carrier ticket price including taxes must be charged to the card, or the ticket obtained through the card reward program; Canadian residency required.
Main exclusions: Non-passenger travel, sickness or disease, intentional injury, criminal acts, war risks, and drug or alcohol abuse as specified by the certificate.
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Mobile device insurance $1,000

Conditions

Per occurrence and insured person; full purchase price charged to the card, or eligible financing through a Canadian wireless or Buy Now Pay Later provider with required bill payments charged to the card.
Main exclusions: 10% deductible and 2% monthly depreciation; accessories, laptops, batteries, resale, business, used and most refurbished devices are excluded.
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Out-of-province emergency medical insurance $5,000,000 · 10 days

Conditions

Per insured person, per trip; age 64 or under at departure; Canadian resident covered by a government health insurance plan; call Global Excel before treatment when reasonably possible.
Main exclusions: Unstable pre-existing medical conditions during the 90 days before departure; non-emergency or elective care; travel contrary to medical advice; listed hazardous activities and applicable Government of Canada travel advisories.
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View 2 more coverages

Purchase security and extended warranty 90 days

Conditions

Purchase Security covers most eligible personal property for 90 days when at least part of the purchase price is charged to the card. Extended Protection doubles the original manufacturer's warranty up to one additional year.
Main exclusions: Items and losses excluded by the certificate remain outside coverage.
View source
Emergency travel medical insurance Confirmed

Conditions

Included coverage; detailed conditions remain in the official certificate.
View source

Go further

Evergreen guides with no numbers that go stale, and the full Futello methodology.

Sources and uncertainties

Unconfirmed information remains distinct from an absence. Always review current terms with the issuer.

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