{"id":227088,"date":"2026-02-09T08:40:00","date_gmt":"2026-02-09T13:40:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/?p=227088"},"modified":"2026-05-09T08:33:46","modified_gmt":"2026-05-09T08:33:46","slug":"comparison-cibc-dividend-visa-infinite-vs-scotia-momentum-visa-infinite-card","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/comparison-cibc-dividend-visa-infinite-vs-scotia-momentum-visa-infinite-card\/","title":{"rendered":"Head-to-Head: CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card vs Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card"},"content":{"rendered":"\n<p><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/cibc\/\">CIBC<\/a> and <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/cards\/scotiabank\/\">Scotiabank<\/a> each have <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/cash-back\/\">cash back<\/a> credit cards offering up to 4% cash back:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/cibc-dividend-visa-infinite-card\/\">CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotia Momentum<sup>&reg;<\/sup> VISA Infinite+* Card<\/a><\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22695,22637\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card-compare--offer-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--value-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--fee-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-2\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>In this analysis, we compare all their features: welcome bonus, requested income, annual fees, earning rate, insurance, benefits, etc.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-welcome-bonus\">Welcome Bonus<\/h2>\n\n\n\n\n\n<p>The welcome bonus offered by each of these cards varies according to the promotions.<\/p>\n\n\n\n<p>Here&#8217;s how the current offer is structured:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/09\/CIBC_Dividend_Visa_infinite_front_eng.png\" alt=\"Head-to-Head: CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card vs Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card - CIBC Dividend Visa infinite front en\" class=\"wp-image-167868\"\/><\/figure>\n<\/div>\n\n\n<p>For a limited time, when you sign up for the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/cibc-dividend-visa-infinite-card\/\">CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card<\/a>, you earn:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>10% cash back <\/strong>on all purchases up to <span class=\"nowrap\">$250<\/span> during the period covered by your first 4 statements;<\/li>\n\n\n\n<li><strong>$50 cash back<\/strong> when you set up a pre-authorized payment within the first 4 months of your membership;<\/li>\n\n\n\n<li>A <strong>refund<\/strong> of the first year&#8217;s annual fee ($120 value).<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/02\/momentum-visa-infinite-eng.png\" alt=\"Head-to-Head: CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card vs Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card - Scotia Momentum Visa Infinite\" class=\"wp-image-132013\"\/><\/figure>\n<\/div>\n\n\n<p>For a limited time, when you apply for the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotia Momentum<sup>&reg;<\/sup>\u202fVisa Infinite +*\u202fCard<\/a>, get:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>10% cash back<\/strong> on all purchases for the first 3 months (up to $2,000 in total purchases)<\/li>\n\n\n\n<li><strong>No annual fee in the first year<\/strong>, including on supplementary cards.<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-right:1.5em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-cibc\">Advantage: CIBC<\/h5>\n\n\n\n<p>CIBC&#8217;s welcome offer gives more time to reach the ultimate goal (4 months instead of 3 at Scotia) and offers up to <span class=\"nowrap\">$300<\/span>, while Scotia&#8217;s stops at $200.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-minimum-income\">Minimum Income<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/09\/CIBC_Dividend_Visa_infinite_front_eng.png\" alt=\"Head-to-Head: CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card vs Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card - CIBC Dividend Visa infinite front en\" class=\"wp-image-167868\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/cibc-dividend-visa-infinite-card\/\">CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card<\/a> requires an annual personal income of $60,000 or $100,000 in annual household income.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/02\/momentum-visa-infinite-eng.png\" alt=\"Head-to-Head: CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card vs Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card - Scotia Momentum Visa Infinite\" class=\"wp-image-132013\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotia Momentum<sup>&reg;<\/sup>\u202fVisa Infinite +*\u202fCard<\/a> requires a $60,000 personal annual income or $100,000 annual household income.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-right:1.5em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-it-s-a-tie\">It&#039;s a tie&nbsp;!<\/h5>\n\n\n\n<p>Both CIBC and Scotia cards require a similar income.<\/p>\n\n\n\n<p>If you don&#8217;t have this level of income, you&#8217;ll have to turn to these other cards:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/cibc-dividend-platinum-visa-card\/\">CIBC Dividend Platinum<sup>&reg;<\/sup> Visa* Card<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotia-momentum-visa-card\/\">Scotia Momentum<sup>&reg;<\/sup> VISA* Card<\/a><\/li>\n<\/ul><\/div>\n\n\n\n<p>Or opt for a card that requires no minimum income, such as the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/simplycash-from-american-express\/\">American Express SimplyCash Card<\/a>.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-annual-fee\">Annual Fee<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/09\/CIBC_Dividend_Visa_infinite_front_eng.png\" alt=\"Head-to-Head: CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card vs Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card - CIBC Dividend Visa infinite front en\" class=\"wp-image-167868\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/cibc-dividend-visa-infinite-card\/\">CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card<\/a> has an annual fee of $120.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/02\/momentum-visa-infinite-eng.png\" alt=\"Head-to-Head: CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card vs Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card - Scotia Momentum Visa Infinite\" class=\"wp-image-132013\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotia Momentum<sup>&reg;<\/sup>\u202fVisa Infinite +*\u202fCard<\/a> has an annual fee of $120.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-right:1.5em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-it-s-a-tie\">It&#039;s a tie&nbsp;!<\/h5>\n\n\n\n<p>These two cards offered by CIBC and Scotia have a similar $120 annual fee.<\/p>\n\n\n\n<p>However, both cards offer a first-year annual fee rebate.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-earning-cash-back\">Earning cash back<\/h2>\n\n\n\n<p>Both cards offer different cash back earning rates.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/09\/CIBC_Dividend_Visa_infinite_front_eng.png\" alt=\"Head-to-Head: CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card vs Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card - CIBC Dividend Visa infinite front en\" class=\"wp-image-167868\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/cibc-dividend-visa-infinite-card\/\">CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card<\/a>, you earn:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>4% cash back<\/strong> on eligible gas and grocery purchases<\/li>\n\n\n\n<li><strong>2% cash back<\/strong> on eligible expenses related to transportation, dining, and everyday spending<\/li>\n\n\n\n<li><strong>1% cash back<\/strong> on all other purchases<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/02\/momentum-visa-infinite-eng.png\" alt=\"Head-to-Head: CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card vs Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card - Scotia Momentum Visa Infinite\" class=\"wp-image-132013\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotia Momentum<sup>&reg;<\/sup>\u202fVisa Infinite +*\u202fCard<\/a>, you earn:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>4% cash back<\/strong> on groceries and recurring payments<\/li>\n\n\n\n<li><strong>2% cash back<\/strong> on gas and daily transit<\/li>\n\n\n\n<li><strong>1% cash back<\/strong> on all other purchases<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-annual-limit\">Annual Limit<\/h2>\n\n\n\n<p>For both cards, there are annual purchase limits beyond which the cashback rate drops to 1%, instead of 2% or 4%.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/09\/CIBC_Dividend_Visa_infinite_front_eng.png\" alt=\"Head-to-Head: CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card vs Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card - CIBC Dividend Visa infinite front en\" class=\"wp-image-167868\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/cibc-dividend-visa-infinite-card\/\">CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card<\/a>, if you exceed either of these two annual limits, you will earn 1% cash back on subsequent purchases:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>$80,000 in annual purchases charged to the card<\/li>\n\n\n\n<li><strong>or $20,000 in annual purchases<\/strong> from grocery stores, supermarkets, service stations and gas, public transit, food and beverage outlets and restaurants, or in recurring payments<\/li>\n<\/ul><\/div>\n\n\n\n<p>This annual limit will reset to zero after the day your <strong>December<\/strong> statement is printed.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/02\/momentum-visa-infinite-eng.png\" alt=\"Head-to-Head: CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card vs Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card - Scotia Momentum Visa Infinite\" class=\"wp-image-132013\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotia Momentum<sup>&reg;<\/sup>\u202fVisa Infinite +*\u202fCard<\/a>, if you exceed this annual limit by category, you will earn 1% cash back on subsequent purchases:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>$25,000 in annual purchases<\/strong> from grocery stores, supermarkets, and for recurring bill payments<\/li>\n\n\n\n<li><strong>$25,000 in annual purchases<\/strong> on gas and daily transit<\/li>\n<\/ul><\/div>\n\n\n\n<p>This annual limit is reset to zero after the day following the printing of your <strong>November<\/strong> statement.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-right:1.5em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-scotia\">Advantage: Scotia<\/h5>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotia Momentum<sup>&reg;<\/sup> Visa Infinite +* Card<\/a> offers a higher purchase limit, especially since it is per category (4% \/ 2%), whereas CIBC\u2019s limit covers all categories.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-redeeming-your-cash-back-balance\">Redeeming your cash back balance<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/09\/CIBC_Dividend_Visa_infinite_front_eng.png\" alt=\"Head-to-Head: CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card vs Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card - CIBC Dividend Visa infinite front en\" class=\"wp-image-167868\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/cibc-dividend-visa-infinite-card\/\">CIBC Dividend<sup>MD<\/sup> Visa Infinite* Card<\/a>, you can redeem your cash back <strong>whenever you like<\/strong>, provided you have a balance of at least $25 at the time the application is submitted.<\/p>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/02\/momentum-visa-infinite-eng.png\" alt=\"Head-to-Head: CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card vs Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card - Scotia Momentum Visa Infinite\" class=\"wp-image-132013\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotia Momentum<sup>&reg;<\/sup> Visa Infinite +* Card<\/a>, you can <strong>redeem your cash back at any time<\/strong>, provided you have a minimum balance of $25, via the Scotia mobile app or online banking.<\/p>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-right:1.5em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-tie\">Advantage: Tie<\/h5>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/cibc-dividend-visa-infinite-card\/\">CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card<\/a> and the <a target=\"_blank\" href=\"\/go\/scotia-momentum-visa-infinite-card\/\">Scotia Momentum<sup>&reg;<\/sup> Visa Infinite +* Card<\/a> both offer flexible options to redeem your cash back, allowing you to access it throughout the year. The choice will mainly depend on your spending habits and preferred bonus categories, rather than the timing of redemption.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-benefits\">The Benefits<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/09\/CIBC_Dividend_Visa_infinite_front_eng.png\" alt=\"Head-to-Head: CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card vs Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card - CIBC Dividend Visa infinite front en\" class=\"wp-image-167868\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/cibc-dividend-visa-infinite-card\/\">CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card<\/a>, you receive the following benefits:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Visa Infinite Program: hotel benefits, culinary events, complimentary concierge service<\/li>\n\n\n\n<li>Up to 25% off car rentals with Avis and Budget<\/li>\n\n\n\n<li><strong>Save up to 10 cents per litre<\/strong> at participating gas stations<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/02\/momentum-visa-infinite-eng.png\" alt=\"Head-to-Head: CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card vs Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card - Scotia Momentum Visa Infinite\" class=\"wp-image-132013\"\/><\/figure>\n<\/div>\n\n\n<p>With the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card<\/a>, you get the following benefits:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Visa Infinite Program: hotel benefits, culinary events, complimentary concierge service<\/li>\n\n\n\n<li>Up to 25% off car rentals with Avis and Budget<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-right:1.5em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-cibc\">Advantage: CIBC<\/h5>\n\n\n\n<p>Since these are Visa Infinite credit cards, you will have the classic benefits of this type of card.<\/p>\n\n\n\n<p>However, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/cibc-dividend-visa-infinite-card\/\">CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card<\/a> stands out thanks to its partnership with the Journie Rewards program: you can save <strong>up to 10 cents per litre<\/strong> at participating Pioneer, Fas Gas, Ultramar, and Chevron gas stations.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-insurance\">Insurance<\/h2>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr style=\"height: 24px;\"><td>Insurance<\/td><td><img decoding=\"async\" class=\" wp-image-167867 aligncenter\" title=\"CIBC Dividend Visa infinite front en\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/09\/CIBC_Dividend_Visa_infinite_front_fr-450x284.png\" alt=\"CIBC Dividend Visa infinite front en\" width=\"200\" height=\"126\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/09\/CIBC_Dividend_Visa_infinite_front_fr-450x284.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/09\/CIBC_Dividend_Visa_infinite_front_fr-1024x646.png 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/09\/CIBC_Dividend_Visa_infinite_front_fr-200x126.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/09\/CIBC_Dividend_Visa_infinite_front_fr-768x485.png 768w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/09\/CIBC_Dividend_Visa_infinite_front_fr.png 1536w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><\/td><td><img decoding=\"async\" class=\" wp-image-132012 aligncenter\" title=\"Scotia Momentum Visa Infinite\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/09\/momentum-visa-infinite-fre-450x283.png\" alt=\"Scotia Momentum Visa Infinite\" width=\"199\" height=\"125\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/09\/momentum-visa-infinite-fre-450x283.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/09\/momentum-visa-infinite-fre-200x126.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/09\/momentum-visa-infinite-fre-768x483.png 768w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2020\/09\/momentum-visa-infinite-fre.png 1011w\" sizes=\"(max-width: 199px) 100vw, 199px\" \/><\/td><\/tr><\/thead><tbody><tr style=\"height: 24px;\"><td>Travel cancellation insurance<\/td><td>None<\/td><td>Up to <strong>$1,500<\/strong><\/td><\/tr><tr style=\"height: 24px;\"><td>Trip interruption insurance<\/td><td>No<\/td><td>up to <strong>$2,000<\/strong><\/td><\/tr><tr style=\"height: 48px;\"><td>Out-of-Province\/Country Emergency Medical Insurance<\/td><td>Up to <strong>$5,000,000<\/strong><br>10 days<\/td><td>Up to $1,000,000<br><strong>15 days<\/strong><\/td><\/tr><tr style=\"height: 24px;\"><td>Flight delay insurance<\/td><td>No<\/td><td>Up to $500<br>after 4 hours<\/td><\/tr><tr style=\"height: 24px;\"><td>Misdirected Baggage Insurance<\/td><td>No<\/td><td>Up to <strong>$500<\/strong><br>after 4 hours<\/td><\/tr><tr style=\"height: 24px;\"><td>Baggage loss or theft insurance<\/td><td>No<\/td><td>Up to <strong>$500<\/strong><br>after 4 hours<\/td><\/tr><tr style=\"height: 24px;\"><td>Hotel burglary insurance<\/td><td>No<\/td><td>None<\/td><\/tr><tr style=\"height: 24px;\"><td>Rental car theft and damage insurance<\/td><td>up to $65,000<\/td><td>up to $65,000<\/td><\/tr><tr style=\"height: 24px;\"><td>Travel accident insurance<\/td><td>$500,000<\/td><td>$500,000<\/td><\/tr><tr style=\"height: 24px;\"><td>Mobile Device Insurance<\/td><td>1&nbsp;000&nbsp;$<\/td><td>1&nbsp;000&nbsp;$<\/td><\/tr><tr style=\"height: 24px;\"><td>Purchase Protection<\/td><td>1 additional year<\/td><td>1 additional year<\/td><\/tr><tr style=\"height: 24px;\"><td>Purchase Guarantee<\/td><td>90 days<\/td><td>90 days<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#e1eaef;padding-right:1.5em;padding-left:1.5em\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-scotia\">Advantage: Scotia<\/h5>\n\n\n\n<p>The insurance coverage offered by the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card<\/a> is better. It offers more coverage if you travel.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\">Conclusion<\/h2>\n\n\n\n<p>So? Which credit card is the big winner?<\/p>\n\n\n\n<p>For all of its features and with the flexibility of earning cash back, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/cibc-dividend-visa-infinite-card\/\">CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card<\/a> wins the game! However, if you plan to use your credit card to book travel, the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotia Momentum<sup>&reg;<\/sup>\u202fVisa Infinite +*\u202fCard<\/a> may be a better option for you.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/09\/CIBC_Dividend_Visa_infinite_front_eng.png\" alt=\"Head-to-Head: CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card vs Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card - CIBC Dividend Visa infinite front en\" class=\"wp-image-167868\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/cibc-dividend-visa-infinite-card\/\">CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card<\/a> stands out thanks to:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>an excellent welcome offer;<\/li>\n\n\n\n<li>cash back that is easier to access and available more quickly&nbsp;;<\/li>\n\n\n\n<li>savings at partner service stations.<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2021\/02\/momentum-visa-infinite-eng.png\" alt=\"Head-to-Head: CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card vs Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card - Scotia Momentum Visa Infinite\" class=\"wp-image-132013\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotia Momentum<sup>&reg;<\/sup> VISA Infinite* Card<\/a> stands out thanks to:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>superior travel insurance&nbsp;;<\/li>\n\n\n\n<li>larger cash rebates for recurring payments&nbsp;;<\/li>\n\n\n\n<li>higher purchase limits to earn more cash back.<\/li>\n<\/ul><\/div>\n\n<\/div>\n\n<\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22695,22637\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-3\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faq-cibc-dividend-vs-scotia-momentum\">Frequently Asked Questions about the CIBC Dividend Visa Infinite vs Scotia Momentum VISA Infinite Comparison<\/h2>\n\n\n\n<p>Here are frequently asked questions in <a target=\"_blank\" class=\"thirstylink\" title=\"the milesopedia facebook group\" href=\"\/go\/fbgroupe\/\" rel=\"nofollow noindex\">the milesopedia community<\/a> about these cards.<\/p>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"which_welcome_bonus_is_better_cibc_dividend_visa_infinite_or_scotia_momentum_visa_infinite_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich welcome bonus is better, CIBC Dividend Visa Infinite or Scotia Momentum VISA Infinite?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The current bonuses differ in structure:<\/p><ul><li><strong>CIBC Dividend&reg; Visa Infinite&reg;<\/strong>: 10% cash back on all purchases up to $250 in cash back over the first 4 statements + $50 cash back for setting up pre-authorized payments + first-year fee waived ($120) = up to <strong>$420 in first-year value<\/strong><\/li><li><strong>Scotia Momentum&reg; VISA Infinite+&reg;<\/strong>: 10% cash back for the first 3 months capped at $2,000 in purchases (= $200) + first-year fee waived ($120) = up to <strong>$320 in first-year value<\/strong><\/li><\/ul><p>CIBC is the stronger first-year proposition for most spenders.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_do_the_ongoing_cash_back_rates_compare_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow do the ongoing cash back rates compare?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Both cards charge <strong>$120 annually<\/strong> after year one but earn differently:<\/p><ul><li><strong>CIBC Dividend<\/strong>: 4% on groceries and gas, 2% on dining and transit, 2% on recurring payments, 1% on other purchases<\/li><li><strong>Scotia Momentum<\/strong>: 4% on groceries and recurring payments, 2% on gas and transit, 1% on other purchases<\/li><\/ul><p>If you spend more on <strong>gas<\/strong>, CIBC wins (4% vs 2%). If you spend more on <strong>recurring bills<\/strong> (utilities, subscriptions, insurance), Scotia wins (4% vs 2%). For pure grocery spend, both are tied at 4%.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_are_the_annual_category_caps_on_each_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat are the annual category caps on each card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Both cards cap their elevated rates, which matters for higher-spend households:<\/p><ul><li><strong>CIBC Dividend Visa Infinite<\/strong>: Combined $20,000\/year limit across the 4% and 2% categories before dropping to 1%<\/li><li><strong>Scotia Momentum Visa Infinite+<\/strong>: $25,000\/year per pair (groceries + recurring payments share one cap; gas + transit share a second cap)<\/li><\/ul><p>Scotia&rsquo;s higher and split caps allow up to <strong>$50,000 in elevated-rate spending per year<\/strong>, vs. $20,000 on CIBC. Households spending over $1,700\/month on groceries get more value out of Scotia&rsquo;s structure.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"which_card_is_better_for_travel_insurance_and_fx_fees_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich card is better for travel insurance and FX fees?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Both cards charge the standard <strong>2.5% foreign exchange fee<\/strong>, so neither is ideal for international travel. On insurance:<\/p><ul><li><strong>Scotia Momentum Visa Infinite+<\/strong>: Travel emergency medical (15 days under 65), trip cancellation up to $1,500\/person, flight delay, baggage and rental car protection<\/li><li><strong>CIBC Dividend Visa Infinite<\/strong>: Lighter package &mdash; trip cancellation up to $1,500, baggage delay\/loss, but more limited medical coverage<\/li><\/ul><p>Scotia delivers the stronger travel insurance, while CIBC compensates with a stronger gas multiplier and the gas station discount of up to 10&cent;\/litre.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Here&#8217;s our comparison between the CIBC Dividend\u00ae Visa Infinite* Card and the Scotia Momentum\u00ae VISA Infinite* Card. Which one is the best?<\/p>","protected":false},"author":3,"featured_media":349132,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[45831],"tags":[],"mc_loyalty_program":[],"class_list":["post-227088","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","mc_issuer-cibc-en","mc_market-all-of-canada","tutorial-comparisons"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Head-to-Head: CIBC Dividend\u00ae Visa Infinite* Card vs Scotia Momentum\u00ae VISA Infinite* Card | Milesopedia<\/title>\n<meta name=\"description\" content=\"Here&#039;s our comparison between the CIBC Dividend\u00ae Visa Infinite* Card and the Scotia Momentum\u00ae VISA Infinite* Card. 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