$120 annual fee rebate with a CIBC Smart Account in Tier 3

Keep an average monthly balance of $100,000 or more in a CIBC Smart Account to reach Tier 3, and the CIBC Dividend Visa Infinite's $120 annual fee is rebated in full, plus up to $50 for each of up to 3 authorized users. At Tier 2, with $40,000 or more, the primary cardholder gets up to $50 back each year.

Conditions: You must still be in the tier on your card's anniversary date. The card must be active, with more than $1 of spending in the last 12 months. One eligible card per client. CIBC is ending this rebate on January 1, 2027.