CIBC Dividend Visa Infinite Card

Annual Fee $99 Additional Cards Fee $30 Annual interest rate $20 Cash Advances $23 General Cash Back Percentage 1% Gas Cash Back Reward 4% Groceries Cash Back Reward 4% Other Cash Back Reward 1%	Travel Medical Insurance yes Travel Accident Insurance yes Trip Cancellation Insurance yes Trip Interruption Insurance yes Vehicle Rental Insurance yes Travel Family Insurance yes Extended Warranty (1 Year) yes Purchase Protection (90 days) yes

• Those who want to earn cash back on their purchases (up to 4%)
• Tim Hortons and Telus customers get 2% cash back 
• Those looking for comprehensive insurance
• Those who are looking for access to luxury hotels, dining and entertainment options
• Those looking for perks such as concierge services and car rental discounts
• Those looking for insurance coverage for travel as well as everyday purchases

Cardholders earn up to 4% cash back on their spending, all while earning some great benefits. Everyday purchases can be turned into luxury experiences with this card - access to luxury hotels, dining and entertainment options and concierge services are available. Cardholders also receive car rental discounts and comprehensive insurance, as well as travel insurance and insurnace on everyday purchases.

That's a lot of perks for an annual rate of just $99.