$350 cash back
Apply Now$380
First-year value
$350
cash back
$99
Annual fee
First Year Rebate
Based on the minimum spend required to earn the full welcome bonus.
Last updated: February 12, 2026
The CIBC Dividend Platinum® Visa* Card is a mid-tier cash back offering from CIBC, offering a solid 3% return on gas, groceries, and electric vehicle charging.†
| Tier | Amount | Requirement |
|---|---|---|
| Bonus earn rate | $300 | in 4 months 10% cash back on up to $3,000 spent in the first four statements |
| On first purchase | $50 | First purchase |
| Total | $350 cash back |
Annual Fee
$99
First Year
Free
First year free
The first-year economics are strong – you're netting $350 in cash back without an annual fee to offset, making this an immediate win for new cardholders. Even if you never use the card again after year one, you've captured real value with minimal friction.
The spending threshold is realistic for everyday use, and the first-purchase component means you're rewarded immediately. This is a foundational add for anyone building a cash-back strategy without premium card commitment.
| Category | Rate |
|---|---|
| Gas | 3% |
| EV Charging | 3% |
| Groceries | 3% |
| Transit | 2% |
| Dining | 2% |
| Bills | 2% |
| Everything Else | 1% |
Gas, groceries, and dining bonuses hit everyday essentials, while the 2% tier on transit and recurring bills captures subscriptions and commutes. This spread makes it useful as a daily driver for routine spending without needing to optimize categories.
The Visa Infinite sibling doubles gas and grocery rates but costs more annually – so this Platinum version works best if you spend modestly in those categories or want no-fee cash back across the board.
First year free
Annual fee rebated for the first year.
First Year FreeWith no lounge access, travel credits, or trip interruption coverage beyond basic Visa protections, this card offers essentially nothing for travellers beyond the waived first-year fee. If you're booking international trips or need medical insurance abroad, you'll need a separate card or standalone policy.
That stripped-down approach is the trade-off for a no-frills cash-back model – you're not subsidizing perks you won't use, but you're also on your own when travel goes sideways.
Underwritten by Belair Insurance Company Inc.
| Coverage | Maximum | Details |
|---|---|---|
| Emergency Medical | Not included | — |
| Trip Cancellation | Not included | — |
| Trip Interruption | Not included | — |
| Trip Delay | Not included | — |
| Baggage Delay | Not included | — |
| Baggage Loss | Not included | — |
| Rental Car | Included | Primary CDW · MSRP ≤ $85,000 · up to 48 days |
| Travel Accident | $500,000 | — |
| Purchase Protection | $60,000/year | 90-day coverage |
| Extended Warranty | +1 year | — |
View Certificate of Insurance (PDF)
Primary rental car coverage is excellent for everyday rentals, but the $85,000 MSRP cap means luxury upgrades could leave you exposed. Most sedans and compact SUVs are fine; premium vehicles abroad require caution.
No travel medical or trip interruption coverage means you'll need a standalone policy for international trips. Purchase protection and extended warranty handle everyday purchases well, but this isn't a comprehensive travel insurance solution.
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Apply NowLast updated: February 12, 2026