发卡银行： CIBC
结算通道： VISA
种类：信用卡
年费： $99; 副卡 $30
有境外手续费
持有CIBC SmartPlus Account可免主副卡年费
$200 + 免首年年费 (如果看不到，可以试试隐身浏览器）
申请条件：家庭收入1.5万
3%：超市，加油（可以叠加最高每升减10 Cents的 CIBC Journie Reward，只适用于Pioneer，Ultramar，Chevron油站）
2%：交通，吃饭，定期付款
⚠️ 以上返现上限为每年前8万的消费，8万以后只有1% （不太精准）
1%：其他
关于多倍积分的官方详细解释：
The 3% and 2% cash-back offers are only available on the first $80,000 in net annual card purchases, meaning all card purchases by all cardholders, at any type of merchant, or $20,000 on grocery stores, supermarkets, gas service stations and automated fuel-dispensers, merchants classified as electric vehicle charging with a merchant category code of MCC 5552, commuter transportation, eating and drinking places and restaurants, or on recurring payments on your account, whichever comes first; after that, net card purchases at all merchants, including grocery stores, supermarkets, gas service stations and automated fuel-dispensers, merchants classified as electric vehicle charging with a merchant category code of MCC 5552, commuter transportation, eating and drinking places and restaurants, or on recurring payments will earn cash back at the regular rate of 1%. The $80,000 limit and the $20,000 limit will reset to zero after the day your December statement is printed.
Rental cars with a Manufacturer’s Suggested Retail Price (MSRP) of up to $65,000. Rental period of up to 48 days
Up to $500,000 per insured person
Purchase Security: Up to 90 days from the date of
purchase
Extended Protection: Up to one additional year
following the expiry of the original manufacturer’s
warranty
作为Dividend Visa Infinite的小老弟，返现和保险福利比不上老大哥，年费较接近。不是很推荐，喜欢返现的建议还是上Visa infinite，除非收入不够的情况下可以考虑
记录酒店相关的促销信息：包括但不限于 购买积分加赠、酒店礼卡促销、季度促销奖励
记录航空相关的促销信息： 包括但不限于 购买里程促销、航司礼卡促销、积分转点促销