TD Cash Back Visa Infinite vs CIBC Dividend Visa Infinite
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
StrongTwo big-bank cash-back Visas that usually come down to rates versus perks. The Dividend pays 4% on groceries and gas to the TD's 3%, which decides it for most households; the TD answers with a bundled Deluxe TD Auto Club roadside membership that's worth real money if you'd otherwise pay for one. Rate-maximizers take the Dividend.
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.
| TD Cash Back Visa Infinite | CIBC Dividend Visa Infinite | |
|---|---|---|
| Standard Score | 7.1/10 · Strong | 7.3/10 · Strong |
| Annual fee | $139 (First year free (current offer)) | $120 (Rebated first year (current offer)) |
| Welcome bonus | 10% cash back on gas, groceries, and pre-authorized payments for the first 3 months (up to $3,500 in purchases — $350 maximum), plus first year free | 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 |
| Est. bonus value | ≈ $350 | ≈ $350 |
| First-year net value | ≈ $500 | ≈ $590 |
| Earn rates |
|
|
| Points currency | Cash back | Cash back |
| No FX fees | No | No |
| Lounge access | No | No |
Where the TD Cash Back Visa Infinite wins
- Perk usability — scores 7.5/10 on this component
Where the CIBC Dividend Visa Infinite wins
- Ongoing value — scores 7.5/10 on this component
- Strategic fit — scores 7.0/10 on this component
Read the full reviews: TD Cash Back Visa Infinite and CIBC Dividend Visa Infinite, or see how both rank in Best Cash Back Credit Cards in Canada.