{"id":2028,"date":"2026-01-14T22:45:00","date_gmt":"2026-01-14T22:45:00","guid":{"rendered":"https:\/\/boxofdrama.com\/9fde94fd-7f87-42f6-9071-929707f515bc\/"},"modified":"2026-01-14T22:45:21","modified_gmt":"2026-01-14T22:45:21","slug":"9fde94fd-7f87-42f6-9071-929707f515bc","status":"publish","type":"post","link":"https:\/\/boxofdrama.com\/en_gb\/9fde94fd-7f87-42f6-9071-929707f515bc\/","title":{"rendered":"CIBC Dividend Visa Infinite Review: High Cash Back on Groceries and Gas"},"content":{"rendered":"<\/p>\n<\/p>\n<div style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; border: 1px solid #28a745; margin-top: 70px; margin-bottom: 50px; margin-left: auto; margin-right: auto;\">\n<div style=\"position: absolute; top: -35px; right: 15px; color: #28a745; padding: 5px 10px; border-radius: 6px; font-size: 14px; font-weight: bold; display: flex; align-items: center; z-index: 10;\">Recommended for you<\/div>\n<div data-namespace-header=\"\" style=\"\">\n<h3 data-namespace-title=\"\" style=\"color: #333; font-size: 20px; font-weight: bold; text-align: left; margin-right: 50px; min-height: 50px; margin-top: 0px;\">CIBC Dividend Visa Infinite<\/h3>\n<\/p><\/div>\n<p data-namespace-prompt=\"\" style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left; margin-top: 0px;\">Unlock high cash back with 4% on groceries and gas, 2% on dining and transit, 1% elsewhere. Annual fee $120, credit score 725+. Perfect for families who spend big on essentials.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/boxofdrama.com\/en_gb\/redirect\/?https:\/\/www.ratehub.ca\/blog\/best-cash-back-credit-cards-in-canada\/\" style=\"width: 100%; display: inline-block; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\" data-namespace-id=\"5c0d2565-3ba9-4280-a382-ad2a691e2285\"><br \/>\n        <button style=\"width: 100%; height: 55px; background: #e9e9ed; border: 1px solid black; color: black;\">Apply now<\/button><br \/>\n    <\/a><br \/>\n    <small style=\"margin-top: 10px; color: #777; font-size: 12px; text-align: center; display: block;\">You will be redirected to another website<\/small>\n<\/div>\n<p>Introducing the CIBC Dividend Visa Infinite, a top pick for Canadian families seeking generous cash back rewards. The annual fee is $120. The standard purchase interest rate is 21.99%. To apply, an excellent credit score of at least 725 and a personal income of $60,000 or household income of $100,000 is required. The credit limit is determined based on the applicant\u2019s profile and bank criteria.<\/p>\n<h2>How to Apply for the CIBC Dividend Visa Infinite<\/h2>\n<ol>\n<li>Check eligibility: Ensure you meet the income and credit score requirements.<\/li>\n<li>Gather identification and income documents.<\/li>\n<li>Apply online or in a branch via CIBC.<\/li>\n<li>Complete the application, submitting required documentation.<\/li>\n<li>Wait for approval and receive your card in the mail.<\/li>\n<\/ol>\n<h2>Main Advantages<\/h2>\n<p>This card stands out for providing 4% cash back on grocery and gas purchases, 2% on dining, transit, and recurring bills, and 1% on everything else. Cardholders can redeem cash back as a statement credit at any time once they reach $10, offering optimal flexibility.<\/p>\n<p>Additional perks include comprehensive insurance, access to CIBC Pace It for easy payments on big purchases, and exclusive Visa Infinite privileges for travel and dining.<\/p>\n<h2>Potential Drawbacks<\/h2>\n<p>The $120 annual fee and sizeable income requirement may limit accessibility for some applicants. Insurance coverage, though decent, is less comprehensive compared to some premium travel credit cards.<\/p>\n<p>There is also a cap on elevated earn rates beyond $80,000 in annual spending, after which all purchases revert to the base earn rate of 1% cash back.<\/p>\n<h2>Verdict: Should You Choose This Card?<\/h2>\n<p>If your household spends significantly on groceries, gas, and recurring expenses, the CIBC Dividend Visa Infinite delivers unrivalled cash back and flexibility for Canadians. While the fee and requirements are on the higher side, frequent buyers of essentials will find the rewards, ease of redemption, and included perks worthwhile.<\/p>\n<div style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; border: 1px solid #28a745; margin-top: 70px; margin-bottom: 50px; margin-left: auto; margin-right: auto;\">\n<div style=\"position: absolute; top: -35px; right: 15px; color: #28a745; padding: 5px 10px; border-radius: 6px; font-size: 14px; font-weight: bold; display: flex; align-items: center; z-index: 10;\">Recommended for you<\/div>\n<div data-namespace-header=\"\" style=\"\">\n<h3 data-namespace-title=\"\" style=\"color: #333; font-size: 20px; font-weight: bold; text-align: left; margin-right: 50px; min-height: 50px; margin-top: 0px;\">CIBC Dividend Visa Infinite<\/h3>\n<\/p><\/div>\n<p data-namespace-prompt=\"\" style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left; margin-top: 0px;\">Unlock high cash back with 4% on groceries and gas, 2% on dining and transit, 1% elsewhere. Annual fee $120, credit score 725+. Perfect for families who spend big on essentials.<\/p>\n<p>    <a data-namespace-url=\"\" href=\"https:\/\/boxofdrama.com\/en_gb\/redirect\/?https:\/\/www.ratehub.ca\/blog\/best-cash-back-credit-cards-in-canada\/\" style=\"width: 100%; display: inline-block; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\" data-namespace-id=\"5c0d2565-3ba9-4280-a382-ad2a691e2285\"><br \/>\n        <button style=\"width: 100%; height: 55px; background: #e9e9ed; border: 1px solid black; color: black;\">Apply now<\/button><br \/>\n    <\/a><br \/>\n    <small style=\"margin-top: 10px; color: #777; font-size: 12px; text-align: center; display: block;\">You will be redirected to another website<\/small>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Discover how you can earn up to 4% cash back on groceries and gas with the CIBC Dividend Visa Infinite. Explore pros, cons, and how to apply for this top Canadian cash back credit card offer.<\/p>","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[18],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>CIBC Dividend Visa Infinite Review: High Cash Back on Groceries and Gas - Box of Drama<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/boxofdrama.com\/en_gb\/9fde94fd-7f87-42f6-9071-929707f515bc\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CIBC Dividend Visa Infinite Review: High Cash Back on Groceries and Gas - Box of Drama\" \/>\n<meta property=\"og:description\" content=\"Discover how you can earn up to 4% cash back on groceries and gas with the CIBC Dividend Visa Infinite. 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