4% Cash back on gas & electric vehicle charging.

4% Cash back on groceries. 

2% Cash back on dining. 

2% Cash back on transportation. 

2% Cash back on recurring payments.

1% Cash back on everything else.

Rewards

• $120 annual fee (first year rebated).

• Purchase Interest Rate: 20.99%.

• Cash Advance Interest Rate: 22.99% (21.99% for residents of Quebec).

• Welcome Offer: Join and earn over $400 in value including a first year annual fee rebate. Here's how you can earn over $400 in value: Earn a 10% cash back welcome bonus of up to $250 (first 4 statements†). A $50 cash back bonus for setting up one pre-authorized payment within the first 4 monthly statements. First year annual fee rebate valued at $120.†

• After that, get 4% cash back on eligible gas, EV charging, and grocery purchases.

• 2% cash back on eligible transportation, dining purchases and recurring payments.

• 1% cash back on all other purchases.

• Get cash back on demand - redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking®.

• Save over $600 with CIBC and Skip – Get a 12-month Skip+ free trial and other exclusive benefits when you link your CIBC Dividend Visa Infinite Card with Skip.

• Save on gas with CIBC and Journie Rewards – Link and use your CIBC Dividend® Visa Infinite* Card with Journie Rewards to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.

• This is a digital-exclusive offer. To be eligible for this offer: 1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and 2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you. This offer is reserved for you. Please do not forward it to anyone else.

• CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months.

• †Terms and Conditions Apply. Select Apply Now to learn more.

2% Cash back on groceries (up to $20,000 per year).

1% Cash back on gas & electric vehicle charging.

1% Cash back on transportation.

1% Cash back on dining.

1% Cash back on recurring payments.

0.5% Cash back on everything else.

Rewards 

• $0 annual fee.

• 20.99% on purchases, 22.99% on cash advances.

• Earn 2% cash back on groceries (up to $20,000 per year).

• Earn 1% cash back on gas, electric vehicle charging, transportation, dining and recurring payments (up to $80,000 per year).

• Earn 0.5% cash back on everything else, including after you’ve exceeded your annual spending limits.

• Get up to 10 cents off per litre at participating gas stations with Journie Rewards.

• No limit on the total cash back you can earn.

• Get 0.5% cash back for every $1.00 spent on a CIBC Global Money Transfer™.

• Get your cash back anytime through CIBC Online Banking® and the CIBC Mobile Banking® App.

• $1,000 minimum credit limit.

• Get a free SPC+ membership and save up to 30% on over 450 top brands when you shop online or in-store. Plus, get exclusive access to special experiences, cash prizes, giveaways and more – all for free, only with CIBC!

• Visa’s Zero Liability Policy.

• Fraud alerts.

• $100,000 Common Carrier Accident Insurance.

• Purchase Security and Extended Protection Insurance.

• The information for the CIBC Dividend® Visa* Card for Students has been collected independently by NerdWallet. The card details on this page have not been reviewed or provided by the card issuer.

2% Cash back in two 2% categories of your choice.

0.5% Cash back on all your other everyday purchases.

Rewards

• Apply for a Tangerine World Mastercard® by October 31, 2024 and earn an extra 10% back* (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.

• Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.

• Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.

• No limit on the amount of Money-Back Rewards you can earn.

• Change your 2% Money-Back Categories to suit your spending.

• With Mastercard Travel Rewards, you can unlock cashback offers and get a rebate applied directly to your statement, by using your Tangerine World Mastercard at select merchants that accept Mastercard while travelling outside of Canada.

• Save on the things you love with your Tangerine World Mastercard. Enjoy special benefits and offers from a growing lineup of on-demand apps and subscription services made available to you as a Tangerine World Mastercard cardholder.

• Make the most of your travel with Mastercard® Travel Pass Provided by DragonPass. Your complimentary membership gives you exclusive dining, retail and spa offers in over 650 airports worldwide, along with access to over 1,300 airport lounges at $32 USD per visit. Learn more at Mastercard® Travel Pass.

• Rental Car Collision/Loss Damage Insurance**: Damage and theft protection for your car rental when you rent for up to 31 consecutive days and charge the full cost of your rental to your Card.

• Mobile Device Insurance**: Protection on new cell phones, smartphones or tablets when you charge the full cost to your Card, or when you purchase it through a plan and charge all of your wireless bill payments to your Card. Covers up to $1,000 if your mobile device is lost, stolen, accidentally damaged or experiences mechanical failure.

• Preferred rates: 20.95% for purchases, 22.95% for cash advances (including balance transfers).

• To be eligible, a $50,000 (individual) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

4% Cash back on eligible restaurant, bar and coffee shop purchases up to $5,000 spend per year†.

1.5% Cash back on eligible gas purchases (up to $15,000 per year†).

1.5% Cash back on eligible grocery purchases (up to $15,000 per year†).

1.5% Cash back on eligible drugstore purchases (up to $15,000 per year†).

1.5% Cash back on eligible pre-authorized payments (up to $15,000 per year†).

0.5% Cash back on all other credit card purchases with no limit on how much you can earn.

Rewards

• Earn 8% cash back† for your first 3 months up to $1,000 in eligible spend.

• Earn 4% on eligible restaurant, bar and coffee shop purchases up to $5,000 spend per year†.

• Earn 1.5% on eligible gas, groceries, drugstore purchases and pre-authorized payments, up to $15,000 per year†.

• Earn 0.5% on all other credit card purchases with no limit on how much you can earn†.

• Redeem cash back as a statement credit in December.†

• No annual fee.

• Cash back when you send money abroad with a Simplii Financial Global Money Transfer. No transaction fees and no interest charges.†

• Purchase security and extended protection insurance provided.†

• Interest rates: 20.99% for purchases‡, 22.99% for cash advances‡.

• To be eligible, a $15,000 (individual/household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident (excluding Quebec) that is the age of majority in the province or territory where you live.

• †Terms and conditions apply. Click ‘Apply Now’ for complete details. Banking services are not available in Quebec.

• ‡ “Purchase” means any Transaction other than a Cash Advance, Balance Transfer or Convenience Cheque. “Cash” means a Cash Advance, Balance Transfer and Convenience Cheque. Interest rates may change from time to time.

4% Cash back on eligible gas station purchases in Canada.

4% Cash back on eligible grocery store purchases in Canada (up to $1,200 cash back annually).

2% Cash back on all other purchases.

Rewards

• Earn a bonus 10% cash back on all purchases for your first 3 months (up to $2,000 in purchases). Plus, earn a $50 statement credit when you make a purchase in month 13. This could add up to $250 in bonus value in your first 13 months.

• Earn accelerated earn rates on eligible gas and grocery purchases.

• Earn 4% cash back on eligible gas station purchases in Canada, 4% cash back on eligible grocery store purchases in Canada (up to $1,200 cash back annually) and 2% cash back on all other purchases.

• Access events and special offers curated for Cardmembers with Amex Experiences™

• Extensive insurance coverage and 24/7 Customer Service.

• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment

5% Cash back on groceries.

4% Cash back on transit including ride sharing, taxis and public transportation.*

3% Cash back on gas and electric vehicle charging.*

2% Cash back on recurring bill payments.

1% Cash back on all other purchases*.

Rewards

• Welcome offer: Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year.*

• Earn more cash back on the categories that mean the most: 5% on groceries.* 4% on transit including ride sharing, taxis and public transportation.* 3% on gas and electric vehicle charging.* 2% on recurring bill payments like your monthly phone bill or favourite streaming service.* 1% unlimited cashback on all other purchases.*

• Get the highest cash back earn rate on groceries in Canada.†

• Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services.

• Extended Warranty Plus.*

• Purchase Protection Plus.*

• Complimentary membership in Mastercard Airport Experiences provided by LoungeKey.*

• Access over 1 million Wi-Fi hotspots around the world - all at no added cost, and no added fees or roaming charges.*

• Complimentary Roadside Assistance Program.*

• BMO CashBack World Elite Travel and Medical Protection.*

• BMO Concierge Service.*

• Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada.

• *Terms and conditions apply.

• †Statement based on a comparison of the non-promotional grocery rewards earn rate on Canadian cash back credit cards as of January 4, 2023.

• BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.

10% Cash back on all purchases for the first 3 months†.

3% Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit Purchases†.

3% Cash Back Dollars on Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†.

1% Cash Back Dollars on all other Purchases.

Rewards: 

• Earn up to $600 in value†, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500†. Conditions apply. Offer effective as of April 30, 2025.

• 24/7 Emergency Roadside Assistance with Deluxe TD Auto Club membership, included at no additional cost.†

• Get an annual fee rebate for the first year†.

• To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder while the offer is in effect.

• Earn 3% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit Purchases†.

• Earn 3% in Cash Back Dollars on Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†.

• Earn 1% Cash Back Dollars on all other Purchases.†

• Redeem your Cash Back Dollars to help pay down your Account balance whenever you please - the choice is yours!†

• Your Cash Back Dollars never expire as long as your account is open and in good standing.

• Interest Rates: 21.99% on purchases and 22.99% on cash advances.

• Starbucks Bonus Offer for New Linked Members†: Link your TD Cashback Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.

• Travel Medical Insurance† - Up to $2 million of coverage for the first 10 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.

• Delayed and Lost Baggage Insurance† - Up to $1,000 overall coverage per insured person toward the purchase of essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost.

• Emergency Travel Assistance Services† - Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.

• Complimentary Visa Infinite* Concierge†: On call, 24 hours a day, seven days a week, to help you get the most from life whenever you travel, shop and use your Card.

• Emergency Road Services with Deluxe TD Auto Club Membership† is included with the product.

• To be eligible, $60,000 (individual) or $100,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

• †Terms and conditions apply.

• This offer is not available for residents of Quebec.

• The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

5% Cashback on groceries.

4% Cashback on recurring payments.

3% Cashback on gas & electric vehicle charging.

1% Cashback on everything else.

Rewards: 

• 5% cashback on groceries

• 4% cashback on recurring payments

• 3% cashback on gas & electric vehicle charging

• 1% on everything else

• Average of 5% cashback at 10,000 partner locations nation-wide—on top of the base cashback rates

• Extended Warranty

• Purchase Protection

• Comprehensive Travel Insurance for delayed and lost baggage, flight delay, trip interruption and more

• Emergency medical coverage for out-of-province and out-of-country travel

• Mastercard Travel Pass provided by DragonPass

• Track your monthly spending with real-time insights

• Instant cashback that can be redeemed anytime

• Pay your bill instantly with Neo's #1 rated financial app

• Also available as a secured credit card for those looking to build their credit history in Canada

• International IDs accepted

4% Cash back on every $1 you spend on grocery store purchases.

4% Cash back on every $1 you spend on recurring bill payments.

4% Cash back on every $1 you spend on subscription purchases.

2% Cash back on every $1 you spend on gas purchases.

2% Cash back on every $1 you spend on daily transit purchases.

1% Cash back on all other purchases with no cash back limit.

Rewards: 

• Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).¹

• No annual fee in the first year, including on additional cards.¹

• 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases.

• 2% for every $1 you spend on gas purchases and daily transit purchases.

• 1% cash back on all other purchases with no cash back limit.

• Visa Infinite* Concierge Services

• Visa Infinite* Hotel Collection

• Visa Infinite* Dining and Wine Country program

• Comprehensive Travel Insurance & New Mobile Device Insurance coverage

• Rates, fees and other information are effective as of November 1, 2024. Subject to change.

• *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.