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Mr. Loonie

Card comparison

CIBC Dividend Visa Infinite

Add a card to see which one is worth more to you.

Worked out from each card’s fees, earn rates and welcome offer. How we work it out

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400

CIBC

CIBC Dividend® Visa Infinite Card

What it’s worth to you
Better: $926
Year one
Better: Every year after $806

Cash back, counted at face value. Why we value CIBC Dividend Visa Infinite this way

Apply now with CIBC (opens in a new tab)
We may earn a fee when you apply through these links. It never changes the numbers.

Lower is better here.

Annual fee
$120$0 in year one
Extra card For a partner or family member
$50 a year
Foreign currency fee On purchases in another currency
2.5%
Interest on purchases
21.99%
Interest on cash advances
22.99%
Cash advance fee
$5.00
Balance transfer fee
3%, Maximum
Late payment fee
$0
Source
cibc.comChecked Nov 8, 2026

Typical spending, $2,500 a month. Bigger is better.

Groceries $9,600 a year
Better: $384 4% back
Restaurants $3,000 a year
Better: $60 2% back
Gas $3,000 a year
Better: $120 4% back
Recurring bills $3,000 a year
Better: $60 2% back
Travel $1,800 a year
Better: $36 2% back
Everything else (base rate) $7,800 a year
Better: $78 1% back
Foreign currency $1,800 a year
Better: $18 1% back (base rate)
Total earned Before fees and the welcome offer
Better: $756
Foreign currency fee On the budget’s foreign spending. * Fee not listed, counted at the usual rate
Better: $45
Perks you’d use Lounge visits and cover, at what they cost on their own
Better: $215
Limits
None listed
Source
cibc.comChecked Nov 8, 2026

Car rental damage
Included
Extended warranty
Included
Purchase protection
Included
Travel accident
Included
Mobile device
Included
Travel medical
Included
Mobile wallets
Apple Pay, Google Pay, Samsung Pay

Personal income Minimum the bank lists
$60,000 a year
Household income Or this, instead of personal
$100,000 a year
Network
Visa
Expert Score From critic reviews, shown, not ranked
Expert Score 8.1 out of 10. Very good
Source
cibc.comChecked Nov 8, 2026

Quebec rules change some rates and fees.

Different in Quebec
Balance transfer rate: 21.99%. Cash advance rate: 21.99%. Over-limit fee: none.

Mr. Loonie’s tip Look at every year after before year one. A big welcome offer pays once; the earn rates pay every month you keep the card.

Questions

How do you work out year one?

We add what each card earns at your spending, plus the part of the welcome offer you’d get, then take off the first year’s annual fee. Every year after leaves out the offer and uses the regular fee.

Can I compare more than two cards?

Yes, up to four. Tap Add a card above the table, or + Compare on any card page.

Do banks pay to appear here?

No. You pick the cards and the math decides the numbers. We may earn a fee when you apply through some links. That never changes a number.

Year one adds what each card earns at the spending you picked, plus the part of the welcome offer that spending reaches, then takes off the first year’s fee. Every year after leaves out the offer and uses the regular fee. Points are counted at the value shown under each card.

Sources, checked by us:

  • CIBC Dividend Visa Infinite: cibc.com, checked Nov 8, 2026

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. Values are estimates for the spending you picked, rounded to the nearest dollar.

Spot something wrong? We’ll check it with the bank. Suggest a correction

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