CIBC Dividend Visa Card

Annual Fee $0 Additional Cards Fee $0 Annual interest rate 21.99% Cash Advances 22.99% General Points Reward 2pts.	Travel Medical Insurance no Travel Accident Insurance no Trip Cancellation Insurance no Trip Interruption Insurance no Vehicle Rental Insurance no Travel Family Insurance no Concierge Services no Price Protection Insurance yes Extended Warranty (1 Year) yes Purchase Protection (90 days) yes

$0 annual fee; earn 2% cash back on gas and groceries on the first $6,000 in combined annual spend, then 0.5%; 1% cash back on restaurants, transit, and recurring payments; 0.5% on all other purchases; welcome offer: 1.5% additional cash back on the first $6,000 spent in first 4 months (up to $90 extra cash back); Visa Zero Liability and Visa Secure; common carrier accident; purchase security and extended warranty; 20.99% purchase APR / 22.99% cash advance; 2.5% foreign transaction fee.Cost-conscious households wanting gas / grocery cash back without a fee; good fit for students and young families.