CIBC Dividend Visa Infinite vs CIBC Dividend Visa Card
Two cards, one Standard Score rubric. The CIBC Dividend Visa Infinite scores higher overall at 7.3/10, but the right pick depends on which components match your spending.
The verdict
StrongThe paid Dividend Visa Infinite doubles the free card's rates where it counts (4% on groceries and gas versus 2% and 1%) and adds a first-year fee rebate that makes year one nearly free. The no-fee Dividend Visa caps out at 2% on groceries, 1% on gas, transit, dining, and recurring payments, and 0.5% on everything else. Households with real gas-and-grocery spend clear the Infinite's $120 fee comfortably on the rate difference; lighter or occasional spenders keep the free card.
See offer · current CIBC Dividend Visa Infinite offer, direct from the issuer
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
| CIBC Dividend Visa Infinite | CIBC Dividend Visa Card | |
|---|---|---|
| Standard Score | 7.3/10 · Strong | 5.4/10 · Pass |
| Annual fee | $120 (Rebated first year (current offer). Additional cards are $50 each for up to three, also rebated in the first year. CIBC raised that fee from $30 on August 1, 2026.) | None |
| Welcome bonus | Up to $350 in value: a 10% cash back bonus worth up to $200 over the first 4 statements (on net purchases up to $2,000), a $50 bonus for setting up a pre-authorized payment in the first 4 statements, and a $120 first-year annual fee rebate | No standing welcome bonus confirmed; check for current promotional cash-back offers before applying |
| Est. bonus value | ≈ $350 | ≈ $0 |
| First-year net value | ≈ $590 | ≈ $120 |
| Earn rates |
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|
| Points currency | Cash back | Cash back |
| No FX fees | No | No |
| Lounge access | No | No |
Where the CIBC Dividend Visa Infinite wins
- First-year value: scores 6.5/10 on this component
- Ongoing value: scores 7.5/10 on this component
- Perk usability: scores 7.0/10 on this component
- Low friction: scores 9.0/10 on this component
- Strategic fit: scores 7.0/10 on this component
Where the CIBC Dividend Visa Card wins
No component wins: its rival scores at least as well on every Standard Score component.
Read the full reviews: CIBC Dividend Visa Infinite and CIBC Dividend Visa Card, or see how both rank in Best Cash Back Credit Cards in Canada.