Pros & Cons
Pros
- +First Year Annual Fee Rebate ($99 annual fee rebated)
- +Welcome Bonus: Up to $300
- +Up to 3x on gas & EV charging
Cons
- –Foreign Transaction Fee (2.5%)
Our Review
Available from $15,000 in annual (household) income, the CIBC Dividend® Platinum Visa* Card sits below the income requirements of Visa Infinite and World Elite Mastercard tier cards.
With this offer, get up to $350 in value:
- A 10% cash back welcome bonus of up to $250 (first 4 statements)
- A $50 cash back when setting up a pre-authorized payment (first 4 months)
- A first-year annual fee rebate (value of $99)
With the CIBC Dividend® Platinum Visa* Card, you get:
- 3% on eligible gas, electric vehicle charging, and grocery purchases†
- 2% cash back on eligible transportation and dining purchases and on eligible recurring bill payments†
- 1% cash back on all other purchases†
And this CIBC Cash Back Credit Card offers some insurance coverage:
- Auto Rental Collision/Loss Damage Insurance
- $500,000 Common Carrier Accident Insurance
- Purchase Security and Extended Protection Insurance
Rewards
All Spending
1x
Cash Back pts per dollar
Gas
3x
Cash Back pts per dollar
Groceries
3x
Cash Back pts per dollar
Recurring
2x
Cash Back pts per dollar
Restaurants
2x
Cash Back pts per dollar
Transit
2x
Cash Back pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$594
$/yr
Estimated Value
$594
After Fees
+$594
1st Year Value
$894
incl. welcome bonus
Annual rewards breakdown
- Earn $250 Cash Back
- Earn $50 Cash Back
First-year advantages
- $99
Travel Insurance
Travel Accident
Up to $500,000
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Auto Rental
Up to $65,000 / 48 days
Fees and interest rates
- Annual Fee$99
First Year Annual Fee Rebate
- Additional card fee$30
First Year Annual Fee Rebate
- Foreign currency conversion fee2.5%
- Purchase Rate21.99%
- Balance transfer rate22.99%Quebec21.99%
- Cash advance rate22.99%Quebec21.99%
Eligibility
Personal Income
$15,000
Household Income
$15,000
Terms & Conditions
Card Features
Welcome Offer: Join and earn over $350 in value including a first year annual fee rebate.†
Here’s how you can earn over $350 in value:
- Earn a 10% cash back welcome bonus of up to $250 (first 4 statements†)
- A $50 cash back bonus for setting up one pre-authorized payment within the first 4 monthly statements.†
- First year annual fee rebate valued at $99.†
After that, get 3% cash back on eligible gas, EV charging, and grocery purchases.†
- 2% cash back on eligible transportation, dining purchases and recurring payments†
- 1% cash back on all other purchases†
- Get cash back on demand – redeem your cash back at any time when you have a minimum of $10 through CIBC Online and Mobile Banking®†
Get a free Skip+ membership when you link your eligible CIBC credit card
Plus, enjoy $0 delivery fees and earn a $10 monthly voucher.†
Fuel up for less
Link your card with Journie Rewards to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
Get 50% off Disney+ for 6 months
Use an eligible CIBC credit card to pay for your Disney+ Standard with Ads subscription, and automatically receive $4.50 each month in statement credits.†
Legal
This is a digital-exclusive offer.† To be eligible for this offer: 1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and 2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you. † This offer is reserved for you. Please do not forward it to anyone else.
This offer is reserved for you. Please do not forward it to anyone else. 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.†
† Terms and conditions apply. Click on Apply Now to learn more.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. MilesBeyondBorders may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 CIBC. All trademarks are property of their respective owners.