Coronavirus Crisis: Should I Invest Right Now? CIBC Dividend Platinum Visa Details. The standard interest rate you’ll see being applied on most of your statements is set at the usual 19.99%. Is there a cap? Another option is the TD Cash Back Visa Infinite* Card. We recommend the card to anyone who spends at least $210 a month on gas and groceries, which will earn enough cash back over the course of a year to make up for the card’s annual fee. You, your spouse, and your children are covered with up to $100,000 in insurance. Cash back credit cards are one of the most popular types of rewards credit cards in Canada, but if you don’t want to pay an annual fee for the benefits of cash back, you’ll need to choose from a smaller pool of available options. I used to receive CIBC Visa statements regularly but the last one I received was back in October 2010. Get a first year annual fee rebate!â Plus, get a 10.99% introductory interest rate on all purchases until August 2021!â . The process to sign up for the cibc dividend visa card was fast and virtually painless. I recently applied for the CIBC Aerogold Visa Infinite Card, here’s my review.. After booking (well not booking dates but paying for) for our future trip to the Maldives that will hopefully happen before the end of 2022, I thought it might be a good idea to start applying for some credit cards to accumulate more Aeroplan points. That means when you make purchases with this credit card, a small percentage of your spending accumulates as cash back. The CIBC Dividend card I only see of being good bang for your credit card buck if you're old and no longer travel, stay in hotels, rent cars or shop at Shoppers...or you do like this amazon.ca deal and get the $30 to shop on amazon.ca (but it's not like an annual $30--it's a one-shot). Purchase protection insurance, which insures most new items purchased on this credit card from theft, loss, or damage for 90 days after purchase. This credit card lets you earn 2% cash back on eligible grocery purchases, with no limit on how much cash back you can earn, for your first $6,000 in purchases. Very high cash back rates on groceries and gas, Maximum annual spending limits in accelerated cash back categories, Earned cash back is only applied once annually, $80K in total eligible card purchases (across all categories, for both primary and additional cardholders), $20K in grocery and gas purchases (for both primary and additional cardholders), Cash advance and balance transfer annual interest rate: 22.99%, Room upgrades, late checkouts, complimentary breakfast, and in-room Wi-Fi at Visa Infinite Luxury Hotel properties (there are over 900 worldwide), Exclusive access to luxury restaurant and winery experiences, Access to the Visa Infinite Priority Line and Lounge at the Visa Screening Room at the Princess of Wales Theatre during the Toronto International Film Festival, The Visa Infinite Screening Series gives cardholders access to complimentary tickets for select advance screenings and special movie events across the country, Complimentary Visa Concierge services to aid in travel and purchase planning, Be at least the age of majority in your province, Have a minimum annual income of $60,000 as an individual or $100,000 in your household, Have not declared bankruptcy within the past 7 years. If you spend the entire $6,000 on groceries (which works out to about $500/month), you’ll get $120 back. The CIBC Dividend® Visa Card currently has an Informr score of 8.5 out of 10. She is a staff writer for Money After Graduation Inc. and has also been published by IN Magazine, MTV News, and Vagabond City Lit. You are correct Chris. CIBC Dividend ® Visa Infinite* Card Apply Now Right now, the CIBC Dividend ® Visa Infinite* Card is offering a fantastic promotion: new cardholders get a first-year annual fee rebate and 10% cash back for the first 4 statements on total purchases up to $2,000. When she's not writing, she's probably reading. 3. Cash back is accumulated each month, beginning with the January Visa statement and awarded at the end of the year as a credit on the December statement. The CIBC Dividend Visa Infinite Credit Card is the top of the range card offered by CIBC. So tats cool isn’t it. 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