Dividend Visa Card.

Get up to 10 cents off per litre at participating gas stations with Journie Rewards.

Apply now
   for the CIBC Dividend Visa Card. Opens in a new window.

$15,000 minimum annual household income

Fees and interest rates

Annual fee

$0

$0 for up to 3 additional cards

Purchase interest rate1

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Cash interest rate1, 2 

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non-Quebec residents

 

RDS%rate[2].VSDIV.Published(null,null,90,null)(#O2#)%
Quebec residents

 

Earn more cash back3 

2%

Groceries

1%

Gas

Electric Vehicle Charging

Transportation

Dining

Recurring Payments

0.5%

Everything Else

Earn maximum rewards

No limit on the total cash back you can earn.3

Award-winning cash back

Winner of the Best Visa Cash Back Credit Card with No Annual Fee for 2025 by Milesopedia4 

Winner of the Best Visa Cash Back Credit Card with No Annual Fee for 2022 by Milesopedia4 

Your top cash back card benefits

Redeem when you want

Get your cash back anytime through CIBC Online Banking® and the CIBC Mobile Banking® App.5 

Access valuable insurance coverage

When you charge eligible purchases to your card, you can enjoy Purchase Security Insurance. Plus, with Extended Warranty Insurance, extend the period of the original manufacturer’s warranty up to one additional year on most purchases charged to your card.6 

Fuel up for less

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.

Apply now
   for the CIBC Dividend Visa Card. Opens in a new window.

$15,000 minimum annual household income

More to love about this card

Send money abroad

Send money abroad to over 120 countries with a $0 transfer fee. Cash advance fees don’t apply and there’s no interest if you pay your balance by the payment due date.7, 8, 9

Save on car rentals

Get up to 30% off base rates with Avis® Pay Now or up to 35% off base rates with Budget® Pay Now at participating locations worldwide when you pay with your CIBC Dividend Visa card.10 Learn more about auto rental discounts at Avis Opens a new window. and Budget Opens a new window.. 

Get a 12-month Skip+ free trial when you link your CIBC credit card with your Skip account†

Plus, enjoy exclusive savings and rewards with your Skip+ membership.‡

Learn more about our partnership with Skip.

Calculate your cash back potential3, 5 

Move the slider to the value. The minimum amount is $0 and the maximum amount is $5,000. You can move the slider to increase or decrease the value. You can also use the up and down arrows to increase or decrease the value by $333.
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$0
$5,000
 
Move the slider to the value. The minimum amount is $0 and the maximum amount is $5,000. You can move the slider to increase or decrease the value. You can also use the up and down arrows to increase or decrease the value by $333.
$0
 
$0
$5,000
 
Move the slider to the value. The minimum amount is $0 and the maximum amount is $10,000. You can move the slider to increase or decrease the value. You can also use the up and down arrows to increase or decrease the value by $667.
$0
 
$0
$10,000
 
Move the slider to the value. The minimum amount is $0 and the maximum amount is $10,000. You can move the slider to increase or decrease the value. You can also use the up and down arrows to increase or decrease the value by $667.
$0
 
$0
$10,000
 
$0
 
$0
$10,000
 
$0
 
$0
$10,000
 
$0
 
$0
$10,000
 
$0
 
$0
$10,000
 
$0
 
$0
$10,000
 
$0
 
$0
$20,000
 
$0
 
$0
$20,000
 
Cash back you could earn in a year $0
$0

Protecting your card

Visa’s Zero Liability Policy

Fraud alerts

Digital Disputes Platform

Valuable insurance included with your card12 

 

 

Insurance certificates for the Dividend Visa Card (PDF, 360 KB) Opens in a new window.

For Quebec residents: Product Summaries and Fact Sheets (PDF, 1 MB) Opens in a new window.

Optional insurance for your card

 

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Documents

   Benefits Guide (PDF, 400 KB) Opens in a new window.

Cardholder Agreement (PDF, 140 KB) Opens in a new window.

CIBC Credit Card Summary of Annual Interest Rates and Fees (PDF, 110 KB) Opens in a new window.

Credit Card Privacy Disclosures, Terms and Conditions (PDF, 125 KB) Opens in a new window.

On Demand Redemption Terms and Conditions (PDF, 135 KB) Opens in a new window.

CIBC Pace It™

CIBC Dividend Visa Card

Ready to earn as you shop?

Apply now   for the CIBC Dividend Visa Card. Opens in a new window.
Dividend Visa Card.

Get started

Call us:  1-866-525-8622 Opens your phone app.
Meet with us Opens in a new window.
Find a Banking Centre Opens in a new window.

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