$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.
10% cash back on up to $3,000 spent in the first four statements
$50 cash back for setting up one pre-authorized payment within first four monthly statements
Total of up to $350 cash back
Gas, EV Charging & Groceries
Transit, Dining & Bills
Everything Else
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.†
Currently the CIBC Dividend® Visa Platinum® Visa* Card is offering a welcome bonus valued at over $350.
You'll earn $300 cash back on your everyday purchases made within the first four monthly statements.†
You'll also receive a $50 cash back bonus on your first purchase made within the first four monthly statements.†
The annual fee of $99 is rebated the first year† with the current offer.
Supplementary cardholders come at a cost of $30 per additional cardholder.
You can also get a 12-month Skip+ free trial and other exclusive benefits when you link your CIBC Dividend® Visa Platinum® Visa* Card with Skip.†
The CIBC Dividend Platinum® Visa* Card offers the following earning rates:
Between this one and the higher-tier CIBC Dividend® Visa Infinite* Card, the major difference is that the Visa Infinite variant offers a higher 4% back on eligible gas, EV charging, and grocery purchases† compared to the CIBC Dividend Platinum® Visa* Card.
Depending on how much you spend on groceries per year, it's worth considering the Visa Infinite card if you're eligible, which has a marginally higher annual fee of $99.†
Still, the overall mix of bonus categories on the CIBC Dividend Platinum® Visa* Card is quite diverse, making this a competitive card in the cash back market.
$350 cash back
Apply NowLast updated: February 12, 2026
With CIBC's cash back cards, the primary cardholder may redeem cash back at any time during the year, provided they have a minimum cash back balance of $10 at the time the redemption request is made.2
That's a relatively flexible policy compared to other cash back credit cards on the market, some of which only allow you to claim your cash back earnings once a year.
As is typical for credit cards that earn cash back instead of travel rewards, the CIBC Dividend Platinum® Visa* Card comes with a limited set of perks.
As a cardholder, you have the ability to save up to 10 cents per litre† at participating Chevron, Ultramar, Pioneer, and Fas Gas gas stations† when you link your card with the Journie Rewards gas loyalty program.†
The card also boasts $500,000 of Common Carrier Accident insurance, as well as car rental theft/damage insurance on vehicles up to $65,000 MSRP.†
In addition, it offers extended warranty (doubling the manufacturer's standard warranty, up to one additional year) and purchase protection (against accidental damage or theft within 90 days).†
100,000 Aeroplan points
