{"id":2394,"date":"2026-02-18T01:26:00","date_gmt":"2026-02-18T01:26:00","guid":{"rendered":"https:\/\/boxofdrama.com\/b9f60337-e65b-491f-a88d-4dcac7ad4cd2\/"},"modified":"2026-02-18T01:26:42","modified_gmt":"2026-02-18T01:26:42","slug":"b9f60337-e65b-491f-a88d-4dcac7ad4cd2","status":"publish","type":"post","link":"https:\/\/boxofdrama.com\/en_gb\/b9f60337-e65b-491f-a88d-4dcac7ad4cd2\/","title":{"rendered":"CIBC Dividend Visa Infinite Review: 4% Cash Back on Groceries &#038; 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;\">4% cash back on groceries and gas, 2% on transit and dining, 1% all other purchases. $120 annual fee. Redeem rewards anytime, minimum $10. Minimum $60,000 income required.<\/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><!-- Introduction --><br \/>\nThe CIBC Dividend Visa Infinite is a strong contender for Canadians seeking cash back rewards tailored to family necessities. With a top-tier 4% cash back on groceries and gas, it maximizes value on categories where households tend to spend the most. The current annual fee of $120 is balanced by flexible redemption options \u2014 you can claim rewards any time once you reach $10, a feature that stands out for convenience.<\/p>\n<p>Interest for purchases sits at 21.99%, with a minimum income requirement of $60,000. Additionally, cardholders benefit from 2% back on transit, dining, and recurring payments, plus 1% on all other purchases. A mobile device and travel insurance package round out the offering, making it a comprehensive pick for everyday spenders.<\/p>\n<h3>How to Apply: Step by Step<\/h3>\n<ul>\n<li>Check your eligibility \u2014 minimum annual personal income of $60,000 required.<\/li>\n<li>Prepare recent financial and identification documents.<\/li>\n<li>Visit the CIBC website and complete the secure online application form.<\/li>\n<li>Review and accept the card\u2019s terms and annual fee.<\/li>\n<li>Wait for approval and receive your card by mail if accepted.<\/li>\n<\/ul>\n<h3>Key Pros<\/h3>\n<p>\nThe biggest advantage is the 4% cash back rate on groceries and gas, which is among the highest available for these everyday categories in Canada. This makes the card especially appealing to families and commuters who spend heavily in these areas.\n<\/p>\n<p>\nAdditionally, the option to redeem cash back at any time, starting at just $10, offers unmatched flexibility. The included insurance \u2014 from mobile device coverage to travel emergency medical and car rental insurance \u2014 further boosts the card\u2019s value.\n<\/p>\n<h3>Main Cons<\/h3>\n<p>\nThe major drawback is the relatively high minimum income requirement, which may limit accessibility for some. The $120 annual fee might also deter lower spenders who may not earn enough in cash back to offset this cost annually.\n<\/p>\n<p>\nFinally, certain insurance coverages and perks are less robust than some premium cards, potentially making this card less attractive for those who prioritize comprehensive travel protection.\n<\/p>\n<h3>Our Verdict<\/h3>\n<p>\nFor households and commuters who primarily spend on gas and groceries, the CIBC Dividend Visa Infinite offers exceptional earn rates and flexible reward redemption. While the annual fee and income requirements are worth noting, the practical value for high spenders on everyday essentials is clear. This card is a smart choice for Canadians looking to maximize rewards without restrictive redemption, with plenty of added benefits for frequent users.\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;\">4% cash back on groceries and gas, 2% on transit and dining, 1% all other purchases. $120 annual fee. Redeem rewards anytime, minimum $10. Minimum $60,000 income required.<\/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>CIBC Dividend Visa Infinite stands out with 4% cash back on groceries and gas. Flexible $10 redemption, insurance perks. See how to apply, pros and cons in our unbiased review.<\/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: 4% Cash Back on Groceries &amp; 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\/b9f60337-e65b-491f-a88d-4dcac7ad4cd2\/\" \/>\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: 4% Cash Back on Groceries &amp; Gas - Box of Drama\" \/>\n<meta property=\"og:description\" content=\"CIBC Dividend Visa Infinite stands out with 4% cash back on groceries and gas. 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He likes to observe, listen, and try to understand what is happening on the other side before putting any words on the page.For him, writing is not about impressing, but about getting closer. It is about turning thoughts into something simple, clear, and real. Every text is an ongoing conversation, created with care and honesty, with the sincere intention of touching someone, somewhere along the way.","url":"https:\/\/boxofdrama.com\/en_gb\/author\/bcgianni\/"}]}},"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false,"trp-custom-language-flag":false},"uagb_author_info":{"display_name":"Bruno Gianni","author_link":"https:\/\/boxofdrama.com\/en_gb\/author\/bcgianni\/"},"uagb_comment_info":0,"uagb_excerpt":"CIBC Dividend Visa Infinite stands out with 4% cash back on groceries and gas. Flexible $10 redemption, insurance perks. 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