CIBC · Rewards Calculator
CIBC Dividend Visa InfiniteRewards Calculator
| Category | Earn Rate |
|---|---|
| Gas, electric vehicle charging, groceries | 4% cash back |
| Transportation, dining, recurring payments, eligible travel purchases through CIBC by Expedia | 2% cash back |
| All other purchases | 1% cash back |
Enter Your Monthly Spending
We'll calculate your cash back earnings by category
Supermarkets & grocery stores
Restaurants, takeout, food delivery
Gas stations & EV charging
Public transit, Uber, taxis
Flights, hotels, car rentals
Netflix, Spotify, digital subs
Phone, internet, utilities
Pharmacies & drugstores
Movies, events, concerts
Everything else
Enter your monthly spending above
Fill in how much you spend in each category to see a detailed breakdown of your cash back earnings with the CIBC Dividend Visa Infinite.
Or try a quick-fill preset to get started
Ready to apply for the CIBC Dividend Visa Infinite?
Read our full review for detailed information on benefits, insurance coverage, and how to maximize your Cash Back.
Welcome Bonus
Bonus
Up to $350 cash back
~$350 estimated value
How to Earn It
10% cash back (up to $300)
Spend $3,000 first 4 monthly statements
$50 cash back for setting up one recurring bill payment
Spend $0 first 4 monthly statements
Card Details
- Annual Fee
- $120/yr (1st year waived)
- Additional Card Fee
- $30
- Network
- Visa
- Rewards Program
- CIBC Dividend
- Purchase Interest Rate
- 21.99%
- Cash Advance Rate
- 22.99%
- Foreign Transaction Fee
- 2.5%
- Min. Income Required
- $60,000
- Lounge Access
- No
Insurance & Perks
- Mobile device insurance
- Out-of-province emergency travel medical insurance
- Visa Zero Liability policy
How to Use the CIBC Dividend Visa Infinite Rewards Calculator
This calculator helps you estimate how many Cash Back you can earn each month and year based on your real spending habits. Enter your average monthly spending in each category above — groceries, dining, gas, transit, travel, streaming, and more — and the calculator will automatically apply the CIBC Dividend Visa Infinite's earn rates to show you a complete breakdown.
Understanding CIBC Dividend Visa Infinite Earn Rates
The CIBC Dividend Visa Infinite earns Cash Back at different rates depending on the spending category. Here's how the card's tiered earn structure works:
- Gas, electric vehicle charging, groceries: 4% cash back
- Transportation, dining, recurring payments, eligible travel purchases through CIBC by Expedia: 2% cash back
- All other purchases: 1% cash back
By focusing your spending on the highest-earning categories, you can maximise the value you get from the CIBC Dividend Visa Infinite. Use the presets above to quickly model different spending profiles and see how your rewards change.
Maximising the Value of Your Cash Back
The true value of your Cash Back depends on how you redeem them. As part of the CIBC Dividend program, you have several redemption options available — from travel bookings to transfer partners. Use the point valuation slider in the calculator to see how different redemption strategies affect the dollar value of your earnings.
Is the $120 Annual Fee Worth It?
The CIBC Dividend Visa Infinite carries an annual fee of $120. Use this calculator to see whether the value of your earned rewards exceeds the fee. The "Net Value" card in the results shows your estimated rewards value minus the annual fee — if it's positive, you're coming out ahead.