CIBC Dividend Platinum® Visa* Card
on CIBC's website
Pros & Cons
Pros
- +First Year Annual Fee Rebate ($99 annual fee rebated)
- +Welcome Bonus: $300
- +Up to 3x on Gas
Cons
- –Foreign Transaction Fee (2.5%)
Our Review
If you don’t meet the income requirements for the CIBC Dividend® Visa Infinite* Card, you could apply for the CIBC Dividend® Platinum Visa* Card. The minimum annual income required for this card is $15,000 (household).
With this offer, get a 10% welcome bonus in the form of up to $250 cash back (period covered by your first 4 statements) and a rebate for your first year’s annual fees!†
Plus, receive $50 cash back when you set up a pre-authorized payment within the first 4 months.
With the CIBC Dividend® Platinum Visa* Card, you get:
- 3% on eligible gas, electric vehicle charging, and grocery purchases†
- 2% cash back on eligible transportation and dining purchases and on eligible recurring bill payments†
- 1% cash back on all other purchases†
And this CIBC Cash Back Credit Card offers some insurance coverage:
- Auto Rental Collision/Loss Damage Insurance
- $500,000 Common Carrier Accident Insurance
- Purchase Security and Extended Protection Insurance
Rewards
All Spending
1x
Cash Back pts per dollar
Gas
3x
Groceries
3x
Recurring
2x
Restaurants
2x
Transit
2x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$594
$/yr
Estimated Value
$594
After Fees
+$594
1st Year Value
$894
incl. welcome bonus
Annual rewards breakdown
- Earn $300 Cash Back after $2,500 in purchases in 4 months
Travel Insurance
Travel Accident
Up to $500,000
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Auto Rental
Up to $65,000 / 48 days
Interest Rates
- Purchase Rate21.99%
- Cash Advance22.99%
- Foreign Transaction Fee2.5%
Eligibility
Personal Income
$15,000
Household Income
$15,000
Terms & Conditions
Card Features
Welcome Offer: Join and earn up to $350 in value including a first year annual fee rebate.†
Here’s how you can earn up to $350 in value:
- Earn a 10% cash back welcome bonus of up to $250 (first 4 statements†)
- A $50 cash back bonus for setting up one pre-authorized payment within the first 4 monthly statements.†
- First year annual fee rebate valued at $99.†
After that, get 3% cash back on eligible gas, EV charging, and grocery purchases.†
- 2% cash back on eligible transportation and dining purchases and on eligible recurring bill payments†
- 1% cash back on all other purchases†
- Get cash back on demand – redeem your cash back at any time when you have a minimum of $10 through CIBC Online and Mobile Banking®†
Save over $600 with CIBC and Skip
Get a 12-month Skip+ free trial and other exclusive benefits when you link your CIBC Dividend Platinum Visa Card with Skip.†
Save on gas with CIBC and Journie Rewards
Link and use your CIBC Dividend Platinum Visa Card with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
Legal
This is a digital-exclusive offer.† To be eligible for this offer: 1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and 2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you. † This offer is reserved for you. Please do not forward it to anyone else.
This offer is reserved for you. Please do not forward it to anyone else. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months.†
† Terms and conditions apply. Click on Apply Now to learn more.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. François Charron may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 CIBC. All trademarks are property of their respective owners.