CIBC
CIBC Dividend Visa
Earn 2% cash back on groceries with no annual fee and no limit on what you can earn. Redeem your cash back any time your balance reaches $10.
Starting an application here does not affect your credit score. A credit check happens only when the issuer takes it further.
Annual fee
$0
Purchase rate
21.99% (purchases)
FX fee
2.50%
Grace period
21 days
What this card pays you
This figure reflects your spending profile against this card's published earn rates, minus the annual fee. Category caps, welcome bonuses, insurance and lounge benefits, and first-year fee waivers are excluded from this estimate.
We earn a referral fee if an application is approved. It does not affect this ranking. How we rank
Rewards in full
- 2% cash back on eligible groceries
- 1% on gas, EV charging, transportation, dining, recurring payments and CIBC by Expedia bookings
- 0.5% on all other purchases
- no cap on total cash back
Rates & fees
| Annual fee | $0 |
|---|---|
| Supplementary card fee | $0 for up to 3 additional cards |
| Purchase APR | 21.99% (purchases) |
| Balance transfer intro | No current intro offer |
| Balance transfer rate | 22.99% (21.99% for Quebec residents) |
| Balance transfer fee | No BT offer; no separate balance transfer fee listed in CIBC's Summary of Annual Interest Rates and Fees |
| Cash advance | $5.00 CAD per cash advance in Canada ($7.50 USD outside Canada); cash advance APR 22.99% (21.99% in Quebec); fee does not apply to Quebec residents |
| Foreign exchange fee | 2.50% |
| Grace period | 21 days |
| Network | Visa |
Important information
Rates, fees, and offers come from the issuers and can change without notice. Confirm every detail on the issuer's site before you apply. We provide comparisons and application intake only; approval decisions rest solely with the issuer.