{"id":496506,"date":"2026-04-10T08:40:00","date_gmt":"2026-04-10T12:40:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/news\/head-to-head-cibc-dividend-visa-infinite-card-vs-scotia-momentum-visa-infinite-card\/"},"modified":"2026-05-09T08:33:00","modified_gmt":"2026-05-09T08:33:00","slug":"head-to-head-cibc-dividend-visa-infinite-card-vs-scotia-momentum-visa-infinite-card","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/head-to-head-cibc-dividend-visa-infinite-card-vs-scotia-momentum-visa-infinite-card\/","title":{"rendered":"Comparison: CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card vs Scotiabank 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\/2026\/05\/Momentum-Infinite-Plus-Chip-E-RGB-1-1024x642-1.png\" alt=\"Comparison: CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card vs Scotiabank Momentum<sup>&reg;<\/sup> VISA Infinite* Card - Momentum Infinite Plus Chip F RGB\" class=\"wp-image-494057\"\/><\/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\/\">Scotiabank Momentum Visa Infinite+ Card<\/a>, you can get:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>15% cash back <\/strong>on all purchases, up to $2,000 in total spend, for a maximum of $300, during the first three months<\/li>\n\n\n\n<li>A <strong>first-year annual fee rebate<\/strong>, valued at $120<\/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>The welcome offers from CIBC and Scotiabank provide a similar total value of up to approximately $300, but under different conditions: CIBC gives you more time to reach the maximum amount over a 4-month period, while Scotiabank offers a higher earn rate over a shorter 3-month period.<\/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\/2026\/05\/Momentum-Infinite-Plus-Chip-E-RGB-1-1024x642-1.png\" alt=\"Comparison: CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card vs Scotiabank Momentum<sup>&reg;<\/sup> VISA Infinite* Card - Momentum Infinite Plus Chip F RGB\" class=\"wp-image-494057\"\/><\/figure>\n<\/div>\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotiabank Momentum Visa Infinite+ Card<\/a> is available if you have a minimum personal annual income of $60,000 to $80,000, a minimum household income of $100,000 to $150,000, or assets under management of at least $250,000 to $300,000.<\/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\/2026\/05\/Momentum-Infinite-Plus-Chip-E-RGB-1-1024x642-1.png\" alt=\"Comparison: CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card vs Scotiabank Momentum<sup>&reg;<\/sup> VISA Infinite* Card - Momentum Infinite Plus Chip F RGB\" class=\"wp-image-494057\"\/><\/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> 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\/2026\/05\/Momentum-Infinite-Plus-Chip-E-RGB-1-1024x642-1.png\" alt=\"Comparison: CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card vs Scotiabank Momentum<sup>&reg;<\/sup> VISA Infinite* Card - Momentum Infinite Plus Chip F RGB\" class=\"wp-image-494057\"\/><\/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 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 bill payments and subscriptions<\/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\/2026\/05\/Momentum-Infinite-Plus-Chip-E-RGB-1-1024x642-1.png\" alt=\"Comparison: CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card vs Scotiabank Momentum<sup>&reg;<\/sup> VISA Infinite* Card - Momentum Infinite Plus Chip F RGB\" class=\"wp-image-494057\"\/><\/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>, 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\/2026\/05\/Momentum-Infinite-Plus-Chip-E-RGB-1-1024x642-1.png\" alt=\"Comparison: CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card vs Scotiabank Momentum<sup>&reg;<\/sup> VISA Infinite* Card - Momentum Infinite Plus Chip F RGB\" class=\"wp-image-494057\"\/><\/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 href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/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\/2026\/05\/Momentum-Infinite-Plus-Chip-E-RGB-1-1024x642-1.png\" alt=\"Comparison: CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card vs Scotiabank Momentum<sup>&reg;<\/sup> VISA Infinite* Card - Momentum Infinite Plus Chip F RGB\" class=\"wp-image-494057\"\/><\/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=\"aligncenter wp-image-494057 size-thumbnail\" title=\"Scotia Momentum Visa Infinite\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2026\/05\/Momentum-Infinite-Plus-Chip-E-RGB-1-1024x642-1-200x125.png\" alt=\"Momentum Infinite Plus Chip F RGB\" width=\"200\" height=\"125\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2026\/05\/Momentum-Infinite-Plus-Chip-E-RGB-1-1024x642-1-200x125.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2026\/05\/Momentum-Infinite-Plus-Chip-E-RGB-1-1024x642-1-450x282.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2026\/05\/Momentum-Infinite-Plus-Chip-E-RGB-1-1024x642-1-768x482.png 768w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2026\/05\/Momentum-Infinite-Plus-Chip-E-RGB-1-1024x642-1.png 1024w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><\/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 superior. 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> Visa Infinite+* Card<\/a> might 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-head-to-head-cibc-dividend-visa-infinite-card-vs-scotia-momentum-visa-infinite-card\">Frequently Asked Questions about the CIBC Dividend Visa Infinite vs Scotiabank 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 this card.<\/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_more_valuable_cibc_dividend_or_scotia_momentum_visa_infinite_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich welcome bonus is more valuable, CIBC Dividend 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 Scotiabank Momentum Visa Infinite typically delivers a higher welcome bonus at up to $300 cashback, earned at 15% on the first $2,000 spent in the first three months. The CIBC Dividend Visa Infinite offers up to $250 cashback at 10% on the first $2,500 of spending across the first four statements. Both cards waive the $120 annual fee in year one and add a small bonus for setting up pre-authorized payments. On raw welcome value, Scotia wins by about $50, but the longer 4-month earning window on the CIBC card can be easier for households with steady, lower monthly spending.<\/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_earns_more_on_groceries_and_gas_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich card earns more on groceries and gas?\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 earn 4% in their top categories, but the splits differ. The CIBC Dividend Visa Infinite pays 4% on groceries and gas, 2% on transit and dining, and 1% on everything else, with a combined $20,000 annual cap on bonus categories. The Scotia Momentum Visa Infinite pays 4% on groceries and recurring bills, 2% on gas and transit, and 1% on the rest, with a higher $25,000 annual cap per category. Heavy gas spenders should pick CIBC; households with substantial recurring bills like utilities, telecom, and streaming should pick Scotia.<\/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=\"does_the_cibc_dividends_journie_rewards_partnership_add_real_value_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tDoes the CIBC Dividend&#8217;s Journie Rewards partnership add real value?\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>Yes, the Journie Rewards partnership saves up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar, and Chevron stations, which stacks on top of the 4% cashback at gas stations. For a driver filling up 50 litres weekly, that&#8217;s an extra $5 per fill-up or roughly $260 per year in pure savings on fuel before counting the cashback. Scotiabank does not currently offer an equivalent gas partnership, so heavy commuters or families with multiple vehicles will see materially better total value with the CIBC Dividend Visa Infinite.<\/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_has_better_travel_insurance_the_cibc_dividend_or_the_scotia_momentum_visa_infinite_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich card has better travel insurance, the CIBC Dividend or the 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 Scotia Momentum Visa Infinite has clearly stronger travel insurance, including trip cancellation, trip interruption, flight delay, and lost or delayed baggage protection, plus 15 days of out-of-province emergency medical coverage for travelers under 65. The CIBC Dividend Visa Infinite has more limited travel coverage and lacks trip cancellation or interruption insurance. For families or frequent travelers who don&#8217;t want to buy standalone trip protection, the Scotia card&#8217;s bundled coverage easily justifies its similar $120 annual fee, even if the cashback advantage on bonus categories goes to CIBC.<\/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":496526,"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-496506","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>Comparison: CIBC Dividend\u00ae Visa Infinite* Card vs Scotiabank 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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