Head to head · Reviewed 2026-07-05 · By The Points Standard editorial team
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 7.5/10 — but the right pick depends on which components match your spending.
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: 2026-07-05.
| TD Cash Back Visa Infinite | CIBC Dividend Visa Infinite | |
|---|---|---|
| Standard Score | 7.3/10 · Strong | 7.5/10 · Strong |
| Annual fee | $139 (First year free (current offer)) | $120 |
| 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 | First-year annual fee rebate plus bonus cash back (offers vary) |
| Est. bonus value | ≈ $350 | ≈ $320 |
| First-year net value | ≈ $500 | ≈ $560 |
| 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
The verdict
Two 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.
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.