类别加成与底线返还叠用：把日常消费尽量压进高返现桶。
加拿大信用卡 · 优秀
年费
0 加元
奖励率
0.5%-5% ?
优惠活动
0.5%-5% ?
返现/奖励常规年利率
21.99% / 22.99%
奖励明细
- 详见发卡行官网（本卡无常规消费奖励明细）。
卡片详情
- Up to $100 in value
- Welcome Offer: Get 5% cash back for the first 4 statements on net purchases of up to $2,000 (up to $100 cash back).†
- Plus, get 2% cash back on eligible grocery purchases!†
- 1% cash back on eligible gas, EV charging, transportation, dining purchases and 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®
- Get a free Skip+ membership when you link your eligible CIBC credit card. Plus, enjoy $0 delivery fees and earn a $10 monthly voucher.†
- Fuel up for less - Link your card with Journie Rewards to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†
- 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.
费率及费用
- 年费
- 0 加元
- 最低押金
- 不适用
- 常规年利率
- 21.99% / 22.99%
- 购卡介绍期 APR
- 不适用
- 余额转移介绍期 APR
- 不适用
EasyDecide 的观点
优点
- No annual fee.
- Redeem cash-back rewards any time.
- Gas discounts of up to 10 cents per litre.
缺点
- Limited insurance coverage.
- 0.5% base earn rate.
- Welcome Offer: Get 5% cash back for the first 4 statements on net purchases of up to $2,000 (up to $100 cash back).†
- Plus, get 2% cash back on eligible grocery purchases!†
总结
CIBC Dividend® Visa* Card（加拿大） 在 EasyDecide 评分为 5.0/5，并获得「加拿大信用卡 · 优秀」相关认可。年费为 0 加元。开卡礼约为 0.5%-5% 返现/奖励。它适合把「No annual fee.、Redeem cash-back rewards any time.、Gas discounts of up to 10 cents per litre.」放在优先位置的申请人；同时也需留意「Limited insurance coverage.、0.5% base earn rate.」。以下评测梳理费率、奖励结构、优缺点与常见问题，帮助你判断是否合适。点击「立即申请」将前往发卡行网站完成申请。
优缺点
优点
- No annual fee.
- Redeem cash-back rewards any time.
- Gas discounts of up to 10 cents per litre.
缺点
- Limited insurance coverage.
- 0.5% base earn rate.
- Welcome Offer: Get 5% cash back for the first 4 statements on net purchases of up to $2,000 (up to $100 cash back).†
- Plus, get 2% cash back on eligible grocery purchases!†
详细评测
CIBC Dividend® Visa* Card（加拿大）：基础信息
年费 0 加元，常规年利率 21.99% / 22.99%，推荐信用评分 加拿大居民 · 视资质而定。EasyDecide 评分 5.0。
CIBC Dividend® Visa* Card 为加拿大市场信用卡/签账产品；EasyDecide 评分 5.0/5。
奖励怎么赚
展开上方「奖励明细」可查看完整倍率与类别说明。旅行门户、餐饮、杂货等加成往往决定这张卡是否划算；若你很少命中加成类别，长期价值会下降。
积分 / 返现大概值多少
旅行积分经门户兑换或转移到合作航司/酒店时，单位价值通常高于直接现金返还；具体取决于航司计划与兑换方式。现金返还卡则更接近面值回血，适合追求简单的持卡人。
奖励怎么用
优先用门户兑换或转移伙伴抬高价值（如适用）。也可用积分/返现做账单抵扣或礼品卡。点击「立即申请」将前往发卡行网站，本站不代为开户。
和同类卡怎么比
可从下方「对比其他卡片」挑 2–3 张加入比较托盘，并排看年费、开卡礼、奖励结构与优缺点；不要只看单页评分。
权益与亮点
- Up to $100 in value
- Welcome Offer: Get 5% cash back for the first 4 statements on net purchases of up to $2,000 (up to $100 cash back).†
- Plus, get 2% cash back on eligible grocery purchases!†
- 1% cash back on eligible gas, EV charging, transportation, dining purchases and 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®
缺点与注意事项
- Limited insurance coverage.
- 0.5% base earn rate.
- Welcome Offer: Get 5% cash back for the first 4 statements on net purchases of up to $2,000 (up to $100 cash back).†
- Plus, get 2% cash back on eligible grocery purchases!†
奖励结构越灵活往往越复杂。若你偏好「所有消费统一返现、不用操心类别」，更简单的无年费现金返还卡可能更合适。
如何判断适不适合你
适合你：经常命中加成类别、愿意使用奖励门户或转移伙伴、能接受年费结构（如有）。不太适合：几乎不旅行/外食、不想研究兑换、或信用资质暂时达不到建议区间。
对比其他卡片
常见问题
CIBC Dividend® Visa* Card（加拿大） 的奖励怎么算？
请展开上方「奖励明细」查看各类别倍率/比例。实际入账以发卡行对商户类别（MCC）判定为准。
积分/里程价值大概多少？
旅行兑换或转移至合作伙伴时，单位奖励价值通常高于简单现金返还；具体取决于航司/酒店计划与兑换方式。
奖励会过期吗？
多数主流奖励卡在账户保持有效期间奖励不过期，但仍以发卡行条款为准；销户或严重违约可能导致作废。
需要什么信用评分？
本页建议区间为 加拿大居民 · 视资质而定。审批结果因人而异，获批与否由发卡行决定。
和同类卡怎么选？
可对比年费、开卡礼、日常奖励类别、国际受理与旅行权益。若更看重「简单现金返还」，可考虑无年费现金返还卡；若看重高端休息室与大额抵扣，可看更高端产品。