CIBC · Visa
CIBC Aventura Visa Infinite Card
≈ $133.40 a year after fees, on a typical budget
- Annual fee
- $139
- Earns
- CIBC Aventura
- FX fee
- 2.5%
- 2×Travel booked through CIBC Rewards
- 1.5×Gas, EV charging, grocery & drugstore
- 1×Everything else
CIBC Dividend Visa Infinite Card
- Yearly value, after fees
- ≈ $441.60
- Annual fee
- $120.00/year
- Foreign transaction fee
- 2.5%
- Network
- Visa
Earn rates
| On | Earns |
|---|---|
| Grocery, gas & EV chargingCapped | 4% |
| Dining, transit & recurring billsCapped | 2% |
| Everything else | 1% |
"pts/$" means points per dollar. Rewards are earned in Cash back.
Spending caps
- Accelerated rates apply to up to $80,000 of category spending per year.
What it earns in a year
On a typical Canadian budget of $1,850 a month, at Fruga's default value of $1.00 per $1 of cash back:
- Rewards
- $561.60
- Annual fee
- − $120.00
- Net yearly value
- $441.60
Welcome bonuses are not included. How we calculate this.
More from CIBC
CIBC · Visa
CIBC Aeroplan Visa Infinite Card
≈ $264.20 a year after fees, on a typical budget
- Annual fee
- $139
- Earns
- Aeroplan
- FX fee
- 2.5%
- 1.5×Gas, EV charging & grocery
- 1.5×Air Canada purchases
- 1×Everything else
CIBC · Mastercard
CIBC Costco Mastercard
≈ $291.60 a year after fees, on a typical budget
- Annual fee
- $0
- Earns
- Cash back
- FX fee
- 2.5%
- 3%Restaurants
- 3%Costco gas stations *
- 2%Other gas & EV charging *
- 1%Everything else