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CREDIT CARDS

CASH REBATES

CIBC Dividend® Visa* Card Cash Back Calculator

Credit Score

Good

Welcome Bonus

N/A

Annual Income

Household:

$15,000

Our Rating

6/10

Credit Score

Good

Welcome Bonus

N/A

Annual Income

Household:

$15,000

Our Rating

6/10

Details at a glance

Card Type

Cash Back

Annual Fee

$0

Interest Rates*

Purchase: 20.99%

Cash: 22.99%

Institution

CIBC

Card Network

Visa

Benefits & Insurance at a glance

Travel Insurance

Car Rental Discount

Save On Gas

Purchase Protection

Extended Warranty

Rewards Calculator Algorithm

You can either find your best cards by inputting your spending habits or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.

Total Spending on Credit Cards

Modify your spending numbers and click update to get the most accurate recommendations.

$0


Restaurant, Fast Food and Coffee Shop

$

Pharmacy

$


Shoppers Drug Mart

$

Other Pharmacies

$

Gas

$


Esso & Mobil

$

Costco Gas

$

Other Gas Stations

$

Transportation

$


Public Transportation

$

Rideshare (Uber, Lyft, Taxi, etc.)

$

Parking

$

Grocery

$


Costco

$

Whole Foods

$

Groceris from Safeway, Sobeys, Foodland, FreshCo, ThriftyFoods, Voila, IGA, Rachelle Bery, Les Marches Tradition

$

Groceries from Loblaws, NoFrills, RealCanadianSuperStore, PCExpress, Maxi, Provigo, SaveEasy, SuperValu, ValuMart, YourIndependentGrocer, Zehrs, Fortinos

$

Walmart in Store

$

Walmart Online

$

Other Grocery Purchases

$

Travel (Flights, Hotels, etc.)

$


Air Canada Airline

$

WestJet Airline

$

British Airways Airline

$

Cathay Pacific Airline

$

Marriott Bonvoy Hotels

$

Travel Booked from Expedia

$

Other Hotels

$

Other Airlines

$

Other Travel Not Specified

$

Home Improvement (Renovation, Furniture)

$


Home Fixes & Renovations

$

Home Furnishing

$

Recurring Purchases (Subscriptions, Bills)

$


AppleTV+, Apple Music, Crave, Disney+, FuboTV, Hayu, Netflix, RDS, SiriusXM Canada, Spotify, TSN

$

Utilities

$

Other Recurring Purchases (e.g. Car payment, Loan repayment, etc.)

$

Entertainment (Movies, Concerts, etc.)

$


Cineplex

$

Other Entertainment Purchases

$

Foreign Purchases (Non CAD)

$


USD Purchases

$

Foreign Non-USD Purchases

$

Retail & Online Purchases

$


Amazon

$

Digital Goods (E-books, Music, Software, Mobile Apps, Photos, etc.)

$

Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey

$

Other Online/Retail Purchases

$

Other Purchases Not Specified

$

How You Earn Rewards

  • • 2% cashback on Groceries if they are in the first $80K transactions of the year and $20K of categorical spends
  • • 1% cashback on Gas, Transportation, Dining and Recurring payments if they are in the first $80K transactions of the year and $20K of categorical spends
  • • 0.5% cashback on all other credit card purchases.

Reward Insights

Based on average spending

Insurance & Benefit Details

  • • Travel accident Insurance up to $100K
  • • Purchase Protection Insurance up to 90 days
  • • Extended Warranty Insurance up to a year
  • • save up to 10¢/L (in special conditions) on fuel at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations with linked Journie Rewards card
  • • 25% off time and kilometre or mileage at participating Avis® and Budget® locations for car rental