CIBC · Visa · Cash back
Reviewed 2026-07-06 · By The Points Standard editorial team
CIBC Dividend Visa Card
5.1/10 · PassNo annual fee
A solid, unglamorous free cash-back card. The 2% grocery rate is its best feature; everything else is average.
How we make money & how we rank: rankings are set by the Standard Score, never by compensation. Some card links may become referral links; that never changes a card's score or position. Full disclosure. Last reviewed: 2026-07-06.
Standard Score breakdown — Pass
Six weighted components, each rated 0–10. "Contributes" is the rating × weight — add all six and you get the 5.07/10 Standard Score above.
See how the Standard Score works or re-weight it to your priorities.
The numbers
| Annual fee | None |
| Welcome bonus | No standing welcome bonus confirmed — check for current promotional cash-back offers before applying |
| Est. bonus value | ≈ $0 |
| First-year net value | ≈ $120 |
Earn rates
| Groceries | 2% |
| Gas, EV charging, transit, dining, recurring payments | 1% |
| Everything else | 0.5% |
Why it earns its score
- Genuinely free 2% grocery rate beats most no-fee competitors
- Cash back never expires and has no earning cap
- Journie Rewards gas discount stacks with the 1% earn rate
Where it loses points
- No welcome bonus
- 0.5% base rate on uncategorized spend is unremarkable
- Dividend Visa Infinite earns more broadly for a modest fee
Who it's for
Grocery-heavy households who want a simple, genuinely free cash-back card.
Who should skip it
You spend heavily outside groceries/gas/dining — a flat-rate card likely earns more overall.
Included insurance
Source: issuer card page · Last reviewed 2026-07-06. Details change often — confirm current terms with the issuer before applying.