CIBC · Visa · Cash back
Reviewed 2026-07-05 · By The Points Standard editorial team
CIBC Dividend Visa Infinite
The best widely-accepted cash-back card for grocery-and-gas-heavy households. Visa acceptance is its trump card over the Amex SimplyCash Preferred.
Standard Score breakdown — Strong
Six weighted components, each rated 0–10. "Contributes" is the rating × weight — add all six and you get the 7.45/10 Standard Score above.
See how the Standard Score works or re-weight it to your priorities.
The numbers
| Annual fee | $120 |
| Welcome bonus | First-year annual fee rebate plus bonus cash back (offers vary) |
| Est. bonus value | ≈ $320 |
| First-year net value | ≈ $560 |
Earn rates
| Groceries and gas/EV charging | 4% |
| Dining, transit, recurring payments | 2% |
| Everything else | 1% |
Why it earns its score
- 4% on groceries and gas with full Visa acceptance
- Frequent first-year fee rebate offers
- Redeem cash back any time from $25
Where it loses points
- 1% base rate drags blended returns for spread-out spenders
- 4% categories capped at $80,000 combined annual spend
Who it's for
Households with heavy grocery and gas bills who want top cash rates on a Visa accepted everywhere.
Who should skip it
Your spending is spread across categories — a 2% flat card beats the blended rate.
Included insurance
Travel medical (10 days) · Flight delay · Rental car coverage · Mobile device insurance
Source: issuer card page · Last reviewed 2026-07-05. Details change often — confirm current terms with the issuer before applying.