CIBC Dividend Platinum Visa Card

Published minimum income $15,000

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

Less suitable if: you do not recover at least $99 in value to offset the annual fee.

Estimate with my spending

Futello estimate

Net value, first year

$250.00

The bonus in dollars, minus the fees to earn it.

Fee: $0 in year one ($99 rebate), then $99

Offer verified on November 5, 2026

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View calculation details

Offer (first 12 months): $349.00
− First-year fees: $99.00
= First-year net value: $250.00

For a spending profile of $36,000 a year

The offer plus the card’s rewards on this profile. The net value above counts the offer only.

Rewards net of annual fees (balanced scenario): $666
+ First-year fee rebate: $99
+ Offer (first 12 months): $349
= Estimate for this profile, offer included: $1,114

Basket breakdown · Balanced reference scenario

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

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

The whole selected basket goes on this card, per the certified balanced scenario. Fees counted once; first-year rebate only when the published offer confirms it; rewards on required spending never counted twice.

Welcome offer

Current offer

Welcome bonus: Up to 10 %
Conditions: 2 tiers, up to $2,000 in spending within 4 months

See the tier-by-tier detail

Promotional value of $200 Spend $2,000 within 4 months

Promotional value of $50 Earn within 4 months
Annual fee rebate: $99
End date: End date not published
Offer quality: Good Futello rating grid
Last verified: Verified today

Email me if this offer changes

Offer history: too short to compare

November 1, 2026 10 % $2,000 in spending within 4 months current offer

Facts from the issuer’s official site and Futello’s verified history. How offers are evaluated

Rewards

Category	Reward
Transit, taxis and ridesharing, CIBC travel with Expedia, Pre-authorized payments, and Restaurants	2%
Electric vehicle charging, Gas, and Groceries	3%
Other purchases	1%

No published cap for every category.

Role in a strategy

Comparable alternatives

Published values use the same scenario within each use; groups do not form one overall ranking.

Best for gas and EV charging

CIBC Dividend Visa Infinite CardCIBC · Visa

Annual fees: $120
Annual net value: $168.67

View card

SimplyCash Preferred Card from American ExpressAmerican Express Canada · American Express

Annual fees: $119
Annual net value: $144.79

View card

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Sources and uncertainties

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

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