🇨🇦 CIBC Dividend Platinum Visa Card

亮点简述

• 首年免年费

• 买菜，加油 3%返现

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

开卡奖励

$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

日常消费

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. 

福利 & 保险

• Avis/Budget租车折扣

• 租车丢失、损坏保险 Rental Car Collision Loss/Damage Insurance： Coverage for up to 48 consecutive days.上限$65000

Rental cars with a Manufacturer’s Suggested Retail Price (MSRP) of up to $65,000. Rental period of up to 48 days

• 旅行意外险Common Carrier Travel Accident Insurance：最高50万，包括公交，渡轮，飞机，火车，租车等

Up to $500,000 per insured person

• Purchase Security & Extended Protection Insurance: 全额支付，丢失或损坏，可额外获得一年原厂保修

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

点评

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