CIBC Dividend Platinum Visa Card

Annual Fee $99 Additional Cards Fee $30 Annual interest rate 21.99% Cash Advances 22.99% General Points Reward 3pts.	Travel Medical Insurance no Travel Accident Insurance yes Trip Cancellation Insurance no Trip Interruption Insurance no Vehicle Rental Insurance yes Travel Family Insurance no Concierge Services no Price Protection Insurance yes Extended Warranty (1 Year) yes Purchase Protection (90 days) yes

$79 annual fee (waived for first year); earn 2% cash back on gas and grocery purchases; 1% on dining, transit, and recurring payments; 0.5% on all other purchases; Visa Platinum-tier benefits: purchase security, extended warranty, auto rental collision/loss damage waiver, common carrier accident insurance; no minimum income requirement (unlike the Visa Infinite version); 20.99% purchase APR / 22.99% cash advance; 2.5% foreign transaction fee; up to 3 free additional authorized users.Moderate spenders who want meaningful gas and grocery cash back without a $120 annual fee or a $60,000 income floor.