cash back

CIBC Dividend Platinum Visa Card

Name: CIBC Dividend Platinum Visa Card
Brand: CIBC

4.0

Welcome bonus

Up to $300 cash back

3% groceries
3% gas & ev charging
2% transportation

Annual fee: ~~$99~~ $0
Interest rates: Purchases
21.99%
Cash advances
22.99%
Foreign transactions: 2.5%

Rated by the CreditCardGuru Editorial Team

A capable mid-tier cash back card, though most who qualify should stretch to the Dividend Visa Infinite for better rates and insurance.

At a glance

Annual fee: ~~$99~~ $0
Welcome bonus: $300
Foreign tx fee: 2.5%
Network: VISA
Rewards: cash back
Purchase APR: 21.99%

Rewards & earn rates

Groceries	3%
Gas & EV charging	3%
Transportation	2%
Dining	2%
Recurring payments	2%
Travel via CIBC by Expedia	2%
Everything else	1%

Welcome offer: Up to $300 cash back (10% bonus on up to $2,000 in net purchases over first 4 statements; set up one pre-authorized payment within first 4 statements).

Pros & cons

Pros

Strong cash back rates with an accessible income requirement
First-year fee rebate

Cons

For $21 more, the Visa Infinite earns 4% in top categories
No travel medical or mobile device insurance

Perks & insurance

Key perks

3% cash back on gas, EV charging and groceries
2% on transportation, dining and recurring payments
Low $15,000 household income requirement
Up to 10 cents off per litre with Journie Rewards
Free Skip+ membership when linked

Insurance

Purchase security and extended protection
Common carrier accident ($500,000)
Car rental collision and loss damage

Rates & fees

Annual fee: ~~$99~~ $0
Purchase interest: 21.99%
Cash advance: 22.99%
Foreign transactions: 2.5%

First year rebated under current offer; $30 per additional card.

Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team

Terms & conditions

Rates and offers change. Every rate, fee, welcome offer and benefit on this page was accurate when last reviewed, but CIBC can change or withdraw any of them at any time — sometimes without notice. Confirm the current terms on CIBC's own website before you apply.

Eligibility is theirs to decide. Approval, credit limits, interest rates and welcome offers depend on your credit history and CIBC's own criteria. Bonuses often exclude anyone who has held the card before, and usually require a minimum spend within a set period.

This is not advice. The reviews and ratings here are our editorial opinion, not financial, tax or legal advice, and not a recommendation for your circumstances. Speak to a qualified professional before making a financial decision.

How we make money. CreditCardGuru may earn a commission when you apply through links on this page. It never affects our ratings or what we write — see our advertiser disclosure and rating methodology.

CreditCardGuru is not affiliated with CIBC. Trademarks belong to their respective owners.

Similar cards to consider

Guru Pick Scotiabank

Scotia Momentum® Visa Infinite +* Card

4.5·Households with large grocery and bill spending who want maximum cash back.

Annual fee: ~~$120~~ $0
Welcome bonus: $300
Top reward: 4% groceries

Top-tier 4% on groceries and recurring bills
Multi-year winner of best cash back card awards

Suggested score 720+ · Excellent credit

Apply now View details

Guru Pick CIBC

CIBC Dividend Visa Infinite Card

4.5·Households with heavy grocery and gas spend who want maximum cash back.

Annual fee: ~~$120~~ $0
Welcome bonus: $350
Top reward: 4% groceries

4% on gas and groceries is among the highest in Canada
Strong 2% middle tier covers dining, transit and bills

Suggested score 720+ · Excellent credit

Apply now View details

Disclaimer: This page is for informational purposes only and does not constitute financial, tax or legal advice. Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions. CreditCardGuru may earn a commission from cards featured on this site; this never influences our editorial ratings. See our advertiser disclosure.

Written by

CreditCardGuru Editorial Team

Rewards & Cards Research

Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.

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Updated continuously

Cite this page

“CIBC Dividend Platinum Visa Card Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/cibc-dividend-platinum-visa, updated June 7, 2026.