CIBC Dividend Platinum® Visa* Card

Reward your everyday spending with the cash back card that gives you more.

Welcome Offer

Join and earn over $300 in value^† including an annual fee rebate

Show more offer details

Apply now

$15,000 minimum annual household income

Fees and interest rates

Annual fee

$99 — first year rebated^†

$30 each for up to 3 additional cards — first year rebated^†

Enjoy an annual fee rebate every year for the primary cardholder of up to $99 if you have a CIBC Smart Plus™ Account.

Purchase interest rate¹

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Cash interest rate^1, ²

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non-Quebec residents

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Quebec residents

Earn more cash back³

cash back on eligible gas, electric vehicle charging, and groceries.³

Want to save even more on gas? Get up to 10 cents off per litre at participating gas stations with Journie Rewards.

Gas

Electric Vehicle Charging

Groceries

cash back on transportation, dining and recurring payments.³

Transportation

Dining

Recurring Payments

cash back on everything else.³

Everything Else

Earn maximum rewards

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

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.⁴

Enjoy extra protection on new purchases

Double the manufacturer's original warranty, up to one year on eligible purchases.⁵

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

$15,000 minimum annual household income

More to love about this card

Access valuable insurance coverage

Your CIBC Dividend Platinum Visa Card comes with valuable insurance card including Auto Rental Collision and Loss Damage Insurance and Purchase Security and Extended Warranty Insurance.⁵

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.^6, ⁷^, ⁸

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 Platinum Visa card.⁹ 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 potential^3, ⁴

Use the sliders to estimate your monthly credit card spending.¹⁰

Gas and electric vehicle charging:

$5,000

Groceries:

$5,000

Transportation, dining and recurring payments:

$10,000

Other purchases:

$10,000

$20,000

Cash back you could earn in a year $0

$0 Cash back you could earn in a year

Learn how to get more from your cash back card

Protecting your card

Visa’s Zero Liability Policy

Should someone steal your card, your card number, or other card details, you will not be held responsible for fraudulent purchases processed through the Visa network as long as you meet your obligations and use care to protect your card and PIN.

CIBC is committed to upholding the Visa Zero Liability policy, which sets the standard for what you can expect when you do business with us. To learn more, visit Visa Purchase Protection Opens in a new window..

Fraud alerts

We monitor fraud trends and typical debit and credit card activity. When we detect various factors that indicate a transaction may be fraudulent, we’ll notify you by text, email or phone to authenticate the transaction. To learn more, visit Fraud alerts.

Digital Disputes Platform

Have a transaction you don’t recognize? Contact us about it immediately by submitting a digital dispute. Simply sign on to your online or mobile banking, select the transaction you don’t recognize, select “Report an issue” and follow the instructions to submit your dispute.

Valuable insurance included with your card⁵

Purchase Security and Extended Protection Insurance

$500,000 Common Carrier Accident Insurance

Auto Rental Collision and Loss Damage Insurance

Insurance certificates for the Dividend Platinum Visa Card (PDF, 615 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

CIBC Payment Protector™ Insurance for Credit Cards

Help keep your finances on track by reducing the burden of your credit card payments if you’re unable to work due to disability, job loss, critical illness or in the event you pass away.¹¹

Protect your balance

Insurance benefits

Security features

Security features included with your card

Manage your card online

Activate a new or replacement card, lock a missing card or report a lost or stolen card with just one click through the CIBC Mobile BankingApp and CIBC Online Banking.

Spend alerts

Set up alerts through the CIBC Mobile Banking App and CIBC Online Banking. Get notified by phone, email or online message when you've exceeded your customized budget or are nearing your credit limit.¹²

Fraud alerts

Set up alerts and get notified as soon as possible about potential unauthorized use of your credit card through alerts by email or online message.

Credit report alerts

Stay up to date on key changes to your personal credit report so you're aware of any unusual activity.¹³ You can also schedule other alerts and reminders so that you are notified when your payment is due, when your eStatement is ready and much more.

Documents

Benefits Guide (PDF, 460 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.

Couple sitting on the floor looking at paint samples

CIBC Pace It™

Some purchases can't wait. CIBC Pace It helps manage your finances with Installment Plans on your credit card at lower interest rates. Start paying for the big things that matter at a pace you choose.^††

Learn more about CIBC Pace It Installment Plans.

CIBC Dividend Platinum Visa Card

Ready to cash in on your purchases?

Applying takes about 5 minutes, and you’ll get a response in as little as 60 seconds.¹⁴

Apply now

Get started

Call us: 1-866-525-8622

Find a Banking Centre

Meet with us

Not the right card for you?

Here are a few more that could suit you better.

CIBC Dividend^® Visa Infinite* Card

CIBC Dividend^® Visa* Card

Explore all cash back cards

Terms and conditions _s1: This offer applies to the following eligible cards: CIBC Dividend^® Visa Infinite^* Card and CIBC Dividend Platinum^® Visa^* Card. You can qualify for this offer if you apply and are approved for a new eligible card beginning on March 6, 2025.

If you apply and are approved for a new eligible card, you will receive 10% cash back on the net purchases posted to your account within the first 4 monthly statement periods or $2,000 in total net purchases (equal to $200 cash back), whichever comes first.

To qualify for a $50 cash back bonus, the primary cardholder must set up one (1) recurring bill payment within the first four (4) monthly statements. Recurring bill payments are automatically billed by a specific merchant to your credit card account on a regular basis (annually, monthly, biweekly, or weekly). If the payment is not set up as a recurring bill payment and the first payment is not posted to your account within the first four (4) monthly statements, it will not qualify for this offer. Please allow 8 to 12 weeks after the first recurring bill payment is posted for the cash back to appear on your credit card account. Authorized users are not eligible for this offer. The credit card account must be open and in good standing at the time the cash back is awarded. Limit of one $50 cash back bonus per account. Existing terms of your credit card account continue to apply. This offer is non-transferable and cannot be combined with any other offer. This offer may be withdrawn or changed without prior notice at any time. This offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion.

Regular cash back rate(s) do not apply on purchases on which the promotional rate of 10% applies. Cash back is earned on purchases less returns and credits. For this offer, the following do not qualify as purchases: cash advances, CIBC Global Money Transfers™, interest, fees, balance transfers, payments or CIBC Convenience Cheques. Promotional cash back will appear on your statement no later than 8 weeks after the end of the fourth monthly statement period.

Offer applies to newly approved card accounts only; transfers from an existing CIBC credit card to a CIBC Dividend^®Visa Infinite^* Card and CIBC Dividend Platinum^® Visa^* Card are excluded. This offer is not transferable. This offer may be withdrawn or changed without prior notice at any time. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months. This offer may be revoked if you appear to be manipulating or abusing it, or are engaged in any suspicious or fraudulent activity, as determined by CIBC in its sole discretion.

A one-time annual fee rebate for you — the primary cardholder and up to 3 authorized users added at the time of the application. This offer does not apply to annual fees for authorized users that are added after you submit your application. This offer applies for the first year only. If your application for an eligible card is not approved, you may be considered for another card (as disclosed in your credit card application). If you are approved for that card, this annual fee rebate offer will apply in the amount of the annual fee, if any, of the alternate card. If you qualify, the rebate will be awarded to you and will appear as a credit against the applicable annual fee(s) within 2 statements. Your new credit card account must be open and in good standing at time the rebate is awarded.

^†
Terms and conditions _s2: In order to participate in the CIBC and Skip+ Program (the “Program”) and be eligible for: (i) a 12-month Skip+ free trial, (ii) a discounted monthly Skip+ subscription fee of $6.99 plus applicable taxes following the end of the 12-month free trial period (while available and subject to change), and (iii) a Skip welcome voucher (up to $45 in value) (collectively, the “Offer”), an eligible CIBC cardholder must actively opt-in to the Program by linking their Eligible Card (as defined below) with their Skip Account (any such Skip Account that is linked to an Eligible Card, a “Linked Account”) through the Skip app or website.

12-month free trial and discounted subscription fee: Upon linking your Eligible Card to your Skip Account through the Skip app or website, Skip will automatically apply a 12-month free trial of Skip+ to your Linked Account. Following the expiry of the 12-month free trial period, your Skip+ subscription will automatically renew at a discounted monthly price of $6.99 plus applicable taxes (while available and subject to change), unless you cancel your subscription earlier or the Program or Offer ends.

Welcome Voucher: Within 48 hours of linking your Eligible Card to your Skip Account, Skip will deliver an email to the email address associated with your Linked Skip Account containing a welcome voucher code. The voucher code can be used at checkout to get $15 off orders of $30 or more (before taxes, tips, and fees) and can be redeemed up to three times (up to $45 in value). The voucher code cannot be used on any orders containing solely alcohol, is non-transferable and is valid for a period of 30 days upon receiving the voucher code email from Skip.

The Program and Offer are valid for orders made using an Eligible Card. In order to be eligible for the Program and Offer benefits, you must use an Eligible Card at checkout. Third party digital wallets (e.g. Apple Pay, Google Pay or Samsung Pay) are excluded from the Program and Offer. The Program and Offer are only valid where Skip is available. Offer has no cash value and may not be altered, bartered, sold, or transferred. No refunds for partial billing periods unless required by applicable law. Taxes, service and delivery fees apply. The Program and Offer are subject to the terms and conditions set out here as well as the Skip+ terms and conditions.

Existing terms of your rewards program, credit card account and debit card continue to apply. Program may end at any time without notice. Offer may be withdrawn or changed without notice at any time, including without limitation, changes to the discounted monthly Skip+ subscription fee, the welcome voucher, and the length of time the discounted monthly Skip+ subscription fee is available. CIBC may, in its sole discretion, disqualify, limit, or revoke this Offer if you are believed to be abusing or manipulating it, or engaging in suspicious activity. CIBC is not liable or responsible for any products or services offered, made available or purchased from Skip.

Offer is available to:

CIBC Dividend® Visa Infinite*, CIBC Dividend Platinum® Visa*, CIBC Dividend® Visa*, CIBC Dividend Unlimited World Mastercard®, CIBC Dividend® Visa* Card for Students, CIBC Dividend Unlimited World Elite® Mastercard®, CIBC Aventura® Visa Infinite*, CIBC Aventura® World Mastercard®, CIBC Aventura® World Elite Mastercard®, CIBC Aventura® Visa* Card for Students, CIBC Aventura® Visa Infinite Privilege*, CIBC Aventura® Gold Visa*, CIBC Aventura® Mastercard®, CIBC Aventura® Visa*, CIBC Aventura® Visa* for Business Card, CIBC Aventura® Visa* Card for Business Plus, CIBC Aeroplan® Visa* Card, CIBC Aeroplan® Visa Infinite* Card, CIBC Aeroplan® Visa* Card for Students, CIBC Aeroplan® Visa Infinite Privilege* Card, CIBC Aerogold® Visa* Card, CIBC U.S. Dollar Aventura® Gold Visa*, CIBC Aeroplan® Visa for Business Card, CIBC Aeroplan® Visa Business Plus, CIBC Classic Visa* Card, CIBC Classic Visa* Card for Students, CIBC Corporate Classic Plus Visa* Card, CIBC Costco Mastercard®, CIBC Costco World Mastercard®, CIBC Costco Business Mastercard®, CIBC bizline® Visa* Card, CIBC Select Visa* Card, CIBC Vacationgold® Visa* Card, CIBC Gold Visa* Card, CIBC Advantage Debit Card® or any other eligible credit or debit card, as may be determined by CIBC in its sole discretion from time to time, in good standing (each an “Eligible Card”).

For CIBC Aventura® Visa* Card for Business Plus, CIBC Aeroplan® Visa Business Plus and CIBC Corporate Classic Plus Visa* Card, the Offer can only be redeemed by one Cardholder (as defined under the CIBC Business Credit Card Agreement (Business Liability)).

^‡
Terms and conditions _s3: As part of the Skip+ programme, subscribers are entitled to at least the following loyalty Benefits:

$0 delivery fee on orders placed at participating Partners, subject to a minimum spend of at least $15 (before associated taxes) in order to benefit from the Free Delivery Promotion. Such minimum order value may vary depending on the Partner selected, but will always be shown to you before placing your order on the platform. Participating partners may change at any time.

Discounted service fees: A saving of at least 40% off the regular Services Fees charged. Participating partners only. Participating partners will be identifiable when placing an order through the use of the Skip+ logo. You can check the Service Fee charged by each participating partner in the partner menu. Service Fees in general may vary between partners and locations.

Skip+ Members will be entitled to exclusive and/or priority access to promotions offered by Skip and its partners from time to time, provided you have not opted out of receiving marketing communications from Skip.

Additional promotional benefits, offers and rewards may additionally be made available from time to time, subject to any additional terms published alongside those offers or rewards.

For the full program terms and conditions, please click here Opens a new window..

^♢
Terms and conditions _s4: CIBC Pace It™ Installment Plans allow eligible cardholders to convert eligible Card Transaction(s) to monthly installment payments (including interest) over a fixed period of time. When you create an installment plan you will have the ability to choose the payment term (in months) with a corresponding annual interest rate. Once you accept the Installment Plan Terms and Conditions and the installment plan is created, you can cancel it at any time but you cannot change it. CIBC Pace It™ Installment Plans are only available: (a) on Accounts in good standing; and (b) for certain eligible Account types and eligible Transactions. For complete Terms and Conditions, visit CIBC Pace It Opens a new window..

^††
Terms and conditions 1: Interest rates may change from time to time. "Cash" means cash advances, balance transfers and CIBC Convenience Cheques.

¹
Terms and conditions 2: Cash advances do not earn cash back. Cash advances bear interest from the date they are taken from your credit card account and are subject to available credit and available cash.

²
Terms and conditions 3: Earn 3% cash back on purchases, less returns, at merchants classified by the credit card network as grocery stores and supermarkets, or gas service stations, automated fuel-dispensers and electric vehicle charging with a merchant category code of MCC 5552. Earn 2% cash back on purchases, less returns, at merchants classified by the credit card network as (i) local and suburban commuter transportation in Canada, including subway, streetcar, taxi, limousine and ride-sharing services (excludes merchants that may be classified as travel services or travel bookings such as air transport, car rentals and cruises), (ii) eating places and restaurants, drinking places and fast food restaurants, or (iii) recurring payments that are pre-authorized with a merchant to occur on a regular daily, monthly or annual schedule and classified by the merchants as recurring. All other purchases earn 1% cash back. The 3% and 2% cash-back offers are only available on the first $80,000 in net annual card purchases, meaning all card purchases by all cardholders, at any type of merchant, or $20,000 on grocery stores, supermarkets, gas service stations and automated fuel-dispensers, merchants classified as electric vehicle charging with a merchant category code of MCC 5552, commuter transportation, eating and drinking places and restaurants, or on recurring payments on your account, whichever comes first; after that, net card purchases at all merchants, including grocery stores, supermarkets, gas service stations and automated fuel-dispensers, merchants classified as electric vehicle charging with a merchant category code of MCC 5552, commuter transportation, eating and drinking places and restaurants, or on recurring payments will earn cash back at the regular rate of 1%. The $80,000 limit and the $20,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchant/merchant categories may change without notice. Cash back is earned on card purchases less returns and not on cash advances, CIBC Global Money Transfers™, interest, fees, balance transfers, payments or CIBC Convenience Cheques. Credits for returns made on your account may result in a deduction of cash back at a higher earn rate, even though the return may relate to a purchase that earned cash back at a lower rate. We may make special offers, including offers to earn cash back on CIBC Global Money Transfers, which may be for a limited period and contain additional terms and conditions.

³
Terms and conditions 4: The cash back is accumulated each month, beginning with the January statement and ending with the December statement. Only primary cardholders are permitted to make a cash back redemption. Authorized users are not eligible to redeem cash back dollars. The primary cardholder may redeem cash back at any time during the year provided they have a minimum cash back balance of $25 at the time the redemption request is made. The minimum cash back redemption amount is $25. Cash back will be credited to the primary cardholder’s account within 5 days of the date the redemption request is made. Any cash back amount that is not redeemed by the primary cardholder by the last day of the period covered by your December statement will automatically be redeemed, resulting in your cash back balance being reset to zero, and applied as a credit on your next statement, or, in limited circumstances, at such other time as may be permitted by CIBC. CIBC is not required to credit your account with cash back earned during a monthly statement period if your credit card account is not open and in good standing at any time during a monthly statement period. Credit card account must also be open and in good standing at the time the cash back is redeemed.

⁴
Terms and conditions 5: Insurance coverage(s) included with CIBC credit cards is underwritten by Royal and Sun Alliance Insurance Company of Canada. You may contact the insurer at 1-866-363-3338 Opens your phone app. in Canada and the U.S. or collect from elsewhere at 905-403-3338 Opens your phone app.. You can also visit CIBC Cards Insurance Benefits Opens in a new window.. Different cards will have different coverage(s). To learn about which coverage(s) are included with a specific card, and important information regarding coverage eligibility requirements, benefits, limitations and exclusions, review the insurance certificate(s) in your card package or visit CIBC Agreements and Insurance. Some insurance coverage(s) require purchase(s), car rentals, common carrier fares and other trip costs to be charged to the card to activate coverage. Other conditions may also apply. Auto Rental Collision/Loss Damage Insurance (CLDI) is available for a rental period of up to 48 days for rental cars with a MSRP of up to $65,000 CA. The full cost of the rental must be charged to the card and the rental agency's Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) must be declined. CLDI provides coverage up to the actual cash value (ACV) of the rental vehicle as defined in your insurance certificate. Note that some rental agencies may assess their damages at an amount greater than the ACV of the rental vehicle and you may be liable to them for the difference. Before declining the rental agency's CDW or LDW, you should read carefully and compare the terms of the rental agreement, the CLDI insurance certificate in your card package and any other insurance you own to decide which coverage best meets your protection needs. Certain coverages are "excess insurance" (all other sources of insurance and recovery must be exhausted before coverage is available).

⁵
Terms and conditions 6: CIBC foreign exchange rates apply. A CIBC Global Money Transfer and a Foreign Exchange transaction counts towards your allowable transaction limit, bank account transaction fees may apply. The recipient bank may charge the recipient a transfer fee. Must have a CIBC chequing, savings, personal line of credit or eligible credit card account to send a CIBC Global Money Transfer. Most transfers are completed by the next business day. However, there are times when a transfer requires 2 to 3 business days to be completed. Only primary credit cardholders can use their eligible credit card account to pay for the CIBC Global Money Transfer service.

Read the CIBC Global Money Transfer Agreement (PDF, 135 KB) Opens in a new window..

⁶
Terms and conditions 7: CIBC does not charge interest on a CIBC Global Money Transfer appearing on your statement if we receive full payment of the Amount Due (or for a CIBC Global Money Transfer that has been converted to an Installment Plan during that statement period, if we receive payment in full of the Balance) by the payment due date for that statement. Capitalized terms in this footnote have the meanings set out in the CIBC Cardholder Agreement.

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Terms and conditions 8: If you pay for a GMT using your credit card, you can send up to $15,000 CA per transaction or up to your credit limit if it's under $15,000 in a 24 hour period. Also, when paying with your credit card, the weekly limit is $40,000 CA and the monthly limit is $80,000 CA. Transfer limits are current as of August 31, 2023, depend on many factors and are subject to change at any time without notice. Most transfers are completed within 1 to 3 business days. Only primary credit card cardholders can use their eligible credit card account to pay for the CIBC Global Money Transfer service. CIBC doesn’t charge money transfer fees, but the receiving institution might. Daily transfer limits are subject to change at any time. Read details about CIBC’s Global Money Transfer service..

⁸
Terms and conditions 9: Discounts are determined by the participating rental agency and apply to time and kilometre or mileage charges only.

⁹
Terms and conditions 10: The rewards calculator tool is only for general illustration purposes; your actual results may differ. Cash back is earned on card purchases less returns, and not on cash advances, CIBC Global Money Transfers™, interest, fees, balance transfers, payments, and CIBC Convenience Cheques Cash back is earned on a tiered basis and is dependent upon the net annual dollar amount spent on the card over the year to date. For details about earning and redeeming cash back and other card benefits, including terms and conditions, review the benefit guides on CIBC Agreements and Insurance. All information is valid at the time of publication and is subject to change without notice.

¹⁰
Terms and conditions 11: CIBC Payment Protector™ Insurance for Credit Cards is optional creditor’s group insurance underwritten by The Canada Life Assurance Company and administered by Canada Life and CIBC (for more information about Canada Life, you may call them at 1-800-387-4495 Opens your phone app. or visit Canada Life Opens a new window.. This insurance is subject to eligibility conditions, limitations and exclusions (which are circumstances when benefits are limited or not paid), including a pre-existing medical/health conditions exclusion. This content is provided for informational purposes only and is not complete in detail. For more details, visit CIBC Payment Protector™ Insurance for Credit Cards Opens a new window..

¹¹
Terms and conditions 12: Transactions must first be posted to your account before they can trigger a spend alert. It may then take up to 24 hours after a triggering transaction is posted for an alert to be sent.

¹²
Terms and conditions 13: This service is provided by Equifax Canada, a leading credit bureau in Canada.

¹³
Terms and conditions 14: We may withdraw approval if we become aware of any unfavourable information regarding your financial position or account status, or if you are unable to provide any additional information reasonably requested by CIBC. The application response time may take longer than 60 seconds in the event of technology issues. If you supply your email address, an application status email will be sent as soon as the technology issues are resolved. Otherwise, you will receive a response to your credit card application within 7 to 10 business days.

¹⁴

All information is valid at the time of publication and is subject to change without notice.

Trademarks

CIBC Dividend Platinum® Visa* Card

Fees and interest rates

Annual fee

Purchase interest rate1

Cash interest rate1, 2

Earn more cash back3

Earn maximum rewards

Your top cash back card benefits

Redeem when you want

Enjoy extra protection on new purchases

Fuel up for less

More to love about this card

Access valuable insurance coverage

Send money abroad

Save on car rentals

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

Calculate your cash back potential3, 4

Protecting your card

Visa’s Zero Liability Policy

Fraud alerts

Digital Disputes Platform

Valuable insurance included with your card5

Optional insurance for your card

Security features included with your card

Manage your card online

Spend alerts

Fraud alerts

Credit report alerts

Valuable insurance included with your card5

Optional insurance for your card

Security features included with your card

Manage your card online

Spend alerts

Fraud alerts

Credit report alerts

Documents

CIBC Pace It™

Ready to cash in on your purchases?

Get started

Not the right card for you?

Purchase interest rate¹

Cash interest rate^1, ²

Earn more cash back³

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

Calculate your cash back potential^3, ⁴

Valuable insurance included with your card⁵

Valuable insurance included with your card⁵