CIBC Divdend Unlimited World MasterCard®
First year rewards (up to)
Gift card
Signup
bonus
bonus
Spending
bonus
bonus
Monthly
bonus
bonus
Annual fee
Annual fee
(1st yr waived)
(1st yr waived)
The total net reward is the dollar amount all your rewards will add up to, minus any annual fee you may have to pay. For a detailed explanation on how we calculated this number, check out the Points Calculator tab.
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Annual fee
(Waived)
Monthly
interest fee
interest fee
after
months
Required deposit
Rewards
Calculator
Redeem
Earn points on each dollar you spend
2%
Cash Back
on purchases between $35,000 and $50,000, 0.5% on first $3,000, 1% on next $12,000, 1.5% on next $20,000, 1% after $50,000
Monthly spending by category
First year rewards (up to)
First year rewards (up to)
For a limited time, you will receive a promotional offer from Ratehub.ca if your application is approved. Terms and conditions apply. Click here for details.
Gift card
Some credit cards come with an anniversary bonus, to provide more incentive for people to continue using the card for multiple years. The anniversary bonus may be in the form of points, cash, free merchandise, etc, and is given to the card holder every year on the anniversary.
Anniversary bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so.
Spending reward
This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement.
Annual fee
Total net reward
Subsequent years
Subsequent years
Some credit cards come with an anniversary bonus, to provide more incentive for people to continue using the card for multiple years. The anniversary bonus may be in the form of points, cash, free merchandise, etc, and is given to the card holder every year on the anniversary.
Anniversary bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so.
Spending reward
This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement.
Annual fee
Total net reward
Fees & interest
This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement.
Annual fee:
$79
This is the annual interest rate you will pay on purchases, if/when you can't pay off the entire balance by the payment due date outlined on your credit card statement.
Purchase interest rate:
19.99%
Eligibility
This is the total annual family income requirement to be eligible for this credit card. Only applicable if the applicant does not meet the annual income requirement themselves.
Household income:
$120K / Year
- Be a permanent Canadian resident
- Have reached the age of majority in the province in which you live (18 yrs in AB, MB, ON, PE, QC, SK. 19 yrs all others)
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Earn 5% cash back during your first 6 months and 2% when your welcome rate ends.* |
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Get more details
- Get up to 2% cash back on your purchases1
- Get an extra 2% cash back at select CIBC Bonus Rewards locations
- Earn a bonus of $25 in cash back rewards if your net annual card spend is more than $45,000 annually2
- Option to spend over your credit limit with no overlimit fee3
0.5% cash back on your first $3,000 in net annual card purchases
1.0% cash back on your next $12,000 in net annual card purchases (between $3,000 and $15,000)
1.5% cash back on your next $20,000 in net annual card purchases (between $15,000 and $35,000)
2.0% cash back on your next $15,000 in net annual card purchases (between $35,000 and $50,000)
1.0% cash back on any net annual card purchases exceeding $50,000