New cardholders receive a discount on the first year's annual fee and 10% cash back on everything in the first four months, up to a spending limit of $2,000. When the welcome bonus ends, you can still receive up to 4% cash back on groceries, fuel, transportation, meals, recurring payments, and more.
| Positive points | Negative points |
|---|---|
| Get 10% reimbursement in the first four months | Annual fee $120 |
| Get 4% cash back on groceries and gasoline | High credit score to qualify |
Linking CIBC and Journie Rewards will save you up to 10 cents per gallon at participating gas stations. This discount is in addition to the cash back earned on fuel fees. Not many cards accumulate rewards like this in a major spending category.
While the card's $120 annual fee is a bit high, it is offset by the rate of return. For example, if you spent $250 combined on gas and groceries each month, you would earn $120 in cash back that year. Considering that most of us spend much more than that each month on gas and groceries alone, the earnings from this card far outweigh the cost of the fee.
| Benefits | |
|---|---|
|
Save
|
Save up to 10 cents per liter at gas station |
|
Coverage
|
Integrated travel insurance coverage for emergency medical care |
|
Financing
|
Low-interest financing |
|
Potential
|
High earning potential |
Zero Liability
You will not be held liable for fraudulent charges processed by the Visa network if someone steals your card, card number, or other credit card details. Click the button below and apply for your card.
I Want My CardInsurance Coverage
Get integrated insurance for mobile devices, purchase security, extended protection, rental car collision and damage, emergency medical assistance for travel, and $500,000 in common carrier accident coverage.
Visa Infinite Program
Access complimentary hotel upgrades and breakfast, exclusive dining experiences with chefs and sommeliers, discounted wine deliveries, 24/7 concierge services and more. Click the button below and apply for your card.
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