🇨🇦 Credit Card Review

CIBC Dividend Platinum Visa

Visa 🇨🇦 Canada Cash Back

PullThisCard NMDY Score

We score this card on five factors — earn rate, real point value, portfolio pooling, merchant bonuses, and your stated goal — recalculated for your specific wallet, not a static rating.

Top effective rate on this card: 3¢ per dollar. Full methodology →

Welcome Bonus

Estimated first-year bonus value

$250

10% cash back (up to $200) on the first 4 statements + $50 bonus for setting up one pre-authorized payment.

Conservative estimate at 1¢/point. Verify current offer before applying — bonuses change.

Earn Rates

Category	Earn Rate	Effective Value
Groceries	3% Cash Back	3¢/$
Gas & EV Charging	3% Cash Back	3¢/$
Dining	2% Cash Back	2¢/$
Bills & Utilities	2% Cash Back	2¢/$
Everything Else	1% Cash Back	1¢/$

Last verified: 2026-09 · Source: issuer's public product terms

Rates may be subject to caps, exclusions, enrollment requirements, and issuer-defined merchant categories. See our data verification methodology →

Find the CIBC Dividend Platinum Visa

Terms, APR, and the current welcome offer are set by the issuer, not us, and can change without notice. Confirm the live offer on their site before you apply.

Find CIBC's card page →

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