CIBC · Rewards Calculator
CIBC Dividend VisaRewards Calculator
| Category | Earn Rate |
|---|---|
| Groceries | 2% cash back |
| Gas, Electric Vehicle Charging, Transportation, Dining, Recurring Payments, Eligible travel purchases made through CIBC by Expedia | 1% cash back |
| All other purchases | 0.5% 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.
Or try a quick-fill preset to get started
Ready to apply for the CIBC Dividend Visa?
Read our full review for detailed information on benefits, insurance coverage, and how to maximize your Cash Back.
Card Details
- Annual Fee
- No annual fee
- Network
- Visa
- Rewards Program
- CIBC Dividend
- Purchase Interest Rate
- 21.99%
- Cash Advance Rate
- 22.99%
- Foreign Transaction Fee
- 2.5%
- Lounge Access
- No
Insurance & Perks
- Purchase Security Insurance
- Extended Warranty Insurance
How to Use the CIBC Dividend Visa 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's earn rates to show you a complete breakdown.
Understanding CIBC Dividend Visa Earn Rates
The CIBC Dividend Visa earns Cash Back at different rates depending on the spending category. Here's how the card's tiered earn structure works:
- Groceries: 2% cash back
- Gas, Electric Vehicle Charging, Transportation, Dining, Recurring Payments, Eligible travel purchases made through CIBC by Expedia: 1% cash back
- All other purchases: 0.5% cash back
By focusing your spending on the highest-earning categories, you can maximise the value you get from the CIBC Dividend Visa. 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.
No Annual Fee Advantage
One of the benefits of the CIBC Dividend Visa is that it has no annual fee, meaning every point you earn is pure value. There's no annual cost to offset, so even modest spending can deliver meaningful rewards over time.