All of Canada

Get Unlimited Cash Back on Your Purchases3 with our premium Cash Back credit card

  • Earn 1.5% cash back on all purchases2, with no limit to the total cash back you earn.

Unlock Exclusive Deals and Benefits

  • Access offers from over 2,000 top brands, plus get even more points and savings from our partners such as Petro-Canada, Rexall, Metro and DoorDash.

Enjoy Mastercard World Elite Benefits

  • Get access to 1,300+ airport lounges worldwide with Dragon Pass3 and access on-demand apps and subscription services4, all through Mastercard World Elite.

Save at Petro-Canada

  • Save 3¢/L on fuel and earn 20% more Petro-Points when you pay with an eligible linked RBC card

Earn more Be Well points at Rexall

  • Link your eligible RBC Card and earn 50 Be Well points on every $1 spent on eligible purchases at Rexall

DoorDash

  • Add your RBC Credit Card to your DoorDash account and get a free 12 month DashPass subscription

Earn more Moi points at Metro

  • Earn 1 extra Moi point for every $2 spent at Metro, Food Basics, Super C, Jean Coutu, Brunet and Première Moisson when you swipe your Moi Rewards card and pay with your linked RBC card (minimum purchase required)

Purchase Security and Extended Warranty Insurance

  • Purchase Security and Extended Warranty Insurance automatically protects eligible card purchases against loss, theft or damage for up to 120 days, and triples the manufacturer’s original Canadian warranty for up to two years.

Auto Rental Collision/Loss Damage Insurance

  • Protection for your rental car with Auto Rental Collision/Loss Damage Waiver Insurance.
  • For full insurance details, view the certificate of insurance.
Legal

® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. ‡ All other trademarks are the property of their respective owner(s).

Annual Fee
  • Primary card $99
  • Additional card $0
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Earning Rate
  • All Spending1.5%
  • Groceries1.5%
  • Gas1.5%
Value
  • Year 1 $261
  • Year 2+ $261
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance

Get Unlimited Cash Back on Your Purchases2 with our no annual fee Cash Back credit card

  • Get up to 2% cash back on your grocery purchases and up to 1% on all your other eligible everyday purchases.

Unlock Exclusive Deals and Benefits

  • Access offers from over 2,000 top brands, plus get even more points and savings from our partners such as Petro-Canada, Rexall, Metro and DoorDash.

Save at Petro-Canada

  • Save 3¢/L on fuel and earn 20% more Petro-Points when you pay with an eligible linked RBC card

Earn more Be Well points at Rexall

  • Link your eligible RBC Card and earn 50 Be Well™ points on every $1 spent on eligible purchases at Rexall

DoorDash

  • Add your credit card to your DoorDash account and get a 6-month complimentary DashPass subscription.

Earn more Moi points at Metro

  • Earn 1 extra Moi point for every $2 spent at Metro, Food Basics, Super C, Jean Coutu, Brunet and Première Moisson when you swipe your Moi Rewards card and pay with your linked RBC card (minimum purchase required)

Purchase Security and Extended Warranty Insurance

  • Purchases made with your card are automatically protected against loss, theft or damage for up to 90 days from the date of purchase.
  • The coverage also doubles the manufacturer’s original Canadian warranty for up to one extra year.
  • Please keep your receipts in the event you need to make a claim, and refer to the Certificate of Insurance for complete details regarding this coverage.
  • For full insurance details, view the certificate of insurance.
Legal

® / ™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. ‡ All other trademarks are the property of their respective owner(s).

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Earning Rate
  • Office Supplies10.5%
  • Groceries2%
  • All Spending0.5%
Value
  • Year 1 $190
  • Year 2+ $192
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

Welcome Offer: Join and earn up to $150 in value†

Here's how it adds up:

  • Get $50 cash back after you make your first purchase within the first 4 monthly statements.†
  • Get a 10% cash back welcome bonus for the first 4 monthly statements (up to $100 cash back).†

Plus, get 2% cash back on eligible grocery purchases!†

  • 1% cash back on eligible gas, electric vehicle charging, transportation, and dining purchases and on eligible recurring payments
  • 0.5% cash back on all other purchases
  • Get cash back on demand - redeem your cash back at any time when you have a minimum of $10 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 Card for Students with Skip.

Get all the student-life essentials on a budget

Eligible student clients can get a free SPC+ membership, and receive over 450 deals on everyday purchases, bigger discounts, special experiences and exclusive giveaways. Start banking with CIBC and make student life more rewarding.

Legal

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.

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. Click on Apply Now to learn more.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Earning Rate
  • Groceries2%
  • Gas1%
  • Dining and Food delivery1%
Value
  • Year 1 $385
  • Year 2+ $263
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

Receive our newsletter every week!

Savings this way:

Milesopedia