Rogers Red World Elite Mastercard vs CIBC Dividend Visa Infinite
Two cards, one Standard Score rubric. The CIBC Dividend Visa Infinite scores higher overall at 7.5/10 — but the right pick depends on which components match your spending.
The verdict
StrongFree flat 2% against a paid 4% specialist. The Rogers World Elite charges nothing and pays 2% on everything; the CIBC Dividend charges $120 and pays 4% on groceries and gas, so it only pulls ahead once that spend is heavy enough for the extra points to clear the fee. Concentrated grocery-and-gas households take the Dividend; everyone with spread-out spend keeps the free 2%.
See offer · current CIBC Dividend Visa Infinite offer, direct from the issuer
| Rogers Red World Elite Mastercard | CIBC Dividend Visa Infinite | |
|---|---|---|
| Standard Score | 7.1/10 · Strong | 7.5/10 · Strong |
| Annual fee | None | $120 |
| Welcome bonus | Modest signup bonus for new cardholders (offers vary) | First-year annual fee rebate plus bonus cash back (offers vary) |
| Est. bonus value | ≈ $60 | ≈ $320 |
| First-year net value | ≈ $360 | ≈ $560 |
| Earn rates |
|
|
| Points currency | Cash back | Cash back |
| No FX fees | No | No |
| Lounge access | No | No |
Where the Rogers Red World Elite Mastercard wins
- Ongoing value — scores 8.0/10 on this component
- Strategic fit — scores 8.0/10 on this component
Where the CIBC Dividend Visa Infinite wins
- First-year value — scores 7.0/10 on this component
- Flexibility — scores 8.0/10 on this component
- Perk usability — scores 7.0/10 on this component
- Low friction — scores 9.0/10 on this component
Read the full reviews: Rogers Red World Elite Mastercard and CIBC Dividend Visa Infinite, or see how both rank in Best Cash Back Credit Cards in Canada.