✅ Earn up to 4% cash back on essential spending such as gas and groceries with the CIBC Dividend Visa Infinite
✅ Welcome offer with benefits of up to $450, including an annual fee rebate
✅ Flexible rewards redemption starting at just $10 earned
✅ Premium insurance package for travel and mobile devices included
Why does Rede Utua recommend the CIBC Dividend Visa Infinite Card?
CIBC is one of the most traditional and solid financial institutions in Canada, with a long-standing history of security that spans generations. By choosing this card, you are aligning yourself with a bank that is a cornerstone of the Canadian financial system, ensuring not only prestige but also peace of mind through state-of-the-art data protection technologies and world-class customer support.
Beyond institutional strength, the CIBC Dividend Visa Infinite has been widely recognized by industry experts. It has been repeatedly awarded as the best cashback credit card by organizations such as Milesopedia and Money.ca between 2022 and 2025. This consistent recognition demonstrates the bank’s ongoing commitment to delivering benefits that truly impact users’ finances, especially for those seeking direct cash returns.
Key features
The standout feature of the CIBC Dividend Visa Infinite is its cashback program, which is particularly generous in everyday spending categories. You earn 4% cash back on grocery and gas purchases, including electric vehicle charging. In addition, the card offers 2% cash back on spending at restaurants, transportation, and even recurring monthly bills, turning mandatory expenses into a form of savings.
However, as an “Infinite” category card, there are entry requirements to consider. A minimum annual income of $60,000 for individuals or $100,000 for households is required. The annual fee is $120, but CIBC often offers a first-year rebate or waiver, allowing you to experience the benefits before committing to the full annual cost in subsequent years.
Author’s opinion
In our view, the CIBC Dividend Visa Infinite is a powerful financial management tool, provided your spending profile aligns with its high-return categories. If you spend significant amounts on groceries and fuel, the accumulated cashback can not only offset the annual fee but also generate meaningful net gains. It’s the kind of card that essentially “pays for itself” for households with structured, recurring expenses.
That said, we emphasize the importance of evaluating whether premium benefits – such as 24-hour concierge service and travel insurance – fit your current lifestyle. There’s little value in holding an award-winning card if you don’t use its coverages. Our recommendation is to calculate your average monthly spending to ensure the cash back earned exceeds the fixed costs of the card once the introductory offer period ends.
Want to know everything about the CIBC Dividend Visa Infinite Card?
To learn how to maximize your rewards and check eligibility requirements for the $450 welcome offer, click the button below. On the next page, we’ll explore additional perks and walk you through the application process so you can start earning cash back on your purchases.
