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Dividend Platinum® Visa from CIBC Bank USA Review

Dividend Platinum® Visa from CIBC Bank USA — all information about the credit card.

Updated April 03, 2025
Advertiser Disclosure Our Methodology
CIBC Dividend Platinum® Visa
Learn more
Our Rating:
4.63 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back on eligible gas, electric vehicle charging, and groceries.
    • 2% Cash Back on transportation, dining and recurring payments.
    • 1% Cash Back on everything else.
  • Intro Offer:
    • 10% Cash Back welcome bonus of up to $200 for the first 4 statements on net purchases up to $2,000.
    • $50 Cash Back bonus for setting up one pre-authorized payment within the first 4 monthly statements.
  • Annual Fee:
    $99 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    20.99%
  • Balance Transfer APR:
    22.99%
Show more

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CIBC Dividend Platinum® Visa Card Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
3%
Gas
$
3%
Groceries
$
2%
Dining
$
1%
All other purchases
$
Have you already recieved the CIBC Bank USA intro bonus?
Calculate
Your Results
Total yearly earnings
First year rewards
$158
Rest years rewards
$108
Annual fee
$99
Yes, CIBC Dividend Platinum® Visa Card credit card is worth its annual fee!
How to maximize your CIBC Dividend Platinum® Visa Card rewards?

Follow these simple steps to make the most of CIBC Dividend Platinum® Visa Card credit card:

  • Spend more on Gas
  • Pay off your balance in full each month.
  • Make a large purchases plan.

Using these tips will help you not only to cover your annual fee but also to get a net profit from making purchases with CIBC Dividend Platinum® Visa Card.

Your net profit in the first year
$59
cup of coffee x22
Your net profit in subsequent years
$9
cup of coffee x3
Show less details
You will receive $158 in the first year
Where you get the most profit
  • Gas
  • Groceries
  • Dining
  • All other purchases
  • Into bonus
Gas
$36
Groceries
$36
Dining
$24
All other purchases
$12
Into bonus
$50
Total
$158
Annual fee
$99
Net yearly credit card profit
$59
You will receive $108 in the rest years
Where you get the most profit
  • Gas
  • Groceries
  • Dining
  • All other purchases
Gas
$36
Groceries
$36
Dining
$24
All other purchases
$12
Total
$108
Annual fee
$99
Net yearly credit card profit
$9

All benefits

  • Cash back
    • 3% On eligible gas, electric vehicle charging, and groceries.
    • 2% On transportation, dining and recurring payments.
    • 1% On everything else.
  • Travel
    • Insurance Coverage:
    • Your CIBC Dividend Platinum Visa Card comes with valuable insurance card including Auto Rental Collision and Loss Damage Insurance and Purchase Security and Extended Warranty Insurance.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 20.99%
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 22.99%
  • APR for Cash Advances
    • 22.99%

Fees

  • Annual Fee
    • $99 annually
View all Rates & Fees

Pros & Cons

Pros:
  • Welcome offer
Cons:
  • Annual Fee
  • No Intro APR period

Features

Classic
Visa
Contactless
  • Low interest
  • Cashback
  • Payment Flexibility
  • Rewards
  • Purchase Protection
  • Extended Warranty Protection
  • Travel
  • Auto Rental Insurance
  • Good Credit
  • Excellent Credit

About the issuer

CIBC Bank USA
CIBC Bank USA has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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CIBC Bank USA Dividend Platinum® Visa is an option for those, who need Classic features. With an APR of 20.99% and $99 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With CIBC Bank USA Dividend Platinum® Visa you will get such features as Low interest, Cashback, Payment Flexibility, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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