CIBC Dividend® Visa Infinite* Card vs Tangerine® Money-Back World Mastercard®*

Key features at a glance

Feature	CIBC Dividend® Visa Infinite* Card	Tangerine® Money-Back World Mastercard®*
Issuer	CIBC	Tangerine
Network
Program	Cash Back	Cash Back
Point default value	1¢/point (cash back)	1¢/point (cash back)
Annual fee	$0 $120	$0Better on this row
Foreign transaction fee	2.5%	2.5%
Min. annual income	$60,000+	$50,000+
All purchases	1xBetter on this row	0.5x
Groceries	4xBetter on this row	2x
Gas	4xBetter on this row	2x
Purchase interest rate	21.99%	20.95%Better on this row

The short answer

CIBC Dividend® Visa Infinite* CardTangerine® Money-Back World Mastercard®*

• Year oneCIBC Dividend® Visa Infinite* Card wins 6 of 6 profiles, Tangerine® Money-Back World Mastercard®* wins 0, and 0 are too close to call.Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
• Every year afterCIBC Dividend® Visa Infinite* Card wins 6 of 6 profiles, Tangerine® Money-Back World Mastercard®* wins 0, and 0 are too close to call.The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.

• Groceries: CIBC Dividend® Visa Infinite* Card earns 4%, against 2% on Tangerine® Money-Back World Mastercard®*.The ceilingThat rate runs to $20,000 of spending a year. Past the ceiling, CIBC Dividend® Visa Infinite* Card earns 1% (1% back per dollar) and Tangerine® Money-Back World Mastercard®* pulls ahead.
• Gas & EV: CIBC Dividend® Visa Infinite* Card earns 4%, against 2% on Tangerine® Money-Back World Mastercard®*.The ceilingThat rate runs to $20,000 of spending a year. Past the ceiling, CIBC Dividend® Visa Infinite* Card earns 1% (1% back per dollar) and Tangerine® Money-Back World Mastercard®* pulls ahead.
• Tangerine® Money-Back World Mastercard®* opens DragonPass; CIBC Dividend® Visa Infinite* Card grants no lounge access.

Open both in the full comparison tool

Where each card wins

Welcome offer

Feature	CIBC Dividend® Visa Infinite* Card	Tangerine® Money-Back World Mastercard®*
Welcome bonusNot comparable in the same units	Up to $250	$120
Our valuationDepends on how you spend	$370	$120

Income required

Feature	CIBC Dividend® Visa Infinite* Card	Tangerine® Money-Back World Mastercard®*
Min. annual income	$60,000+	$50,000+
Min. household income	$100,000+	$80,000+

Earning rewards

Feature	CIBC Dividend® Visa Infinite* Card	Tangerine® Money-Back World Mastercard®*
Groceries	4xBetter on this row	2x
Restaurants	2xBetter on this row	0.5x
Gas	4xBetter on this row	2x
Local transit	2xBetter on this row	0.5x
Travel	1xBetter on this row	0.5x
Pharmacies	1xBetter on this row	0.5x
Convenience stores	1xBetter on this row	0.5x
Streaming	1xBetter on this row	0.5x
Telecom	1xBetter on this row	0.5x
Entertainment	1xBetter on this row	0.5x
Recurring payments	2xBetter on this row	0.5x
Online purchases	1xBetter on this row	0.5x
Office supplies	1xBetter on this row	0.5x
All purchases	1xBetter on this row	0.5x

Benefits

Feature	CIBC Dividend® Visa Infinite* Card	Tangerine® Money-Back World Mastercard®*
Airport lounge access	—	DragonPassMembership only
Priority boarding	—	✗
Wi-Fi access	—	✗

Annual fee and rates

Feature	CIBC Dividend® Visa Infinite* Card	Tangerine® Money-Back World Mastercard®*
Annual fee	$0 $120	$0Better on this row
Additional card	$50	$0
First year free	✓	✗
Foreign transaction fee	2.5%	2.5%
Purchase interest rate	21.99%	20.95%Better on this row
Purchase rate (Quebec)	21.99%	20.95%
Cash advance rate	22.99%	22.95%

Insurance

Feature	CIBC Dividend® Visa Infinite* Card	Tangerine® Money-Back World Mastercard®*
Travel accident	$500,000Better on this row	—
Travel medical	$5,000,000Better on this row	—

Card details

Feature	CIBC Dividend® Visa Infinite* Card	Tangerine® Money-Back World Mastercard®*
Network
Issuer	CIBC	Tangerine

Which one wins, by spending profile

Grocery-heavy household

A family basket weighted towards groceries and everyday spending.

Assumes $54,000 of card spending a year

Year one

Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.

CIBC Dividend® Visa Infinite* Card comes out ahead

Feature	CIBC Dividend® Visa Infinite* Card	Tangerine® Money-Back World Mastercard®*
Rewards earned	$1,206	$540
Lost to spending caps	−$49.33	$0
Annual fee	$0	$0
Welcome bonus	$250	$120
Net value	$1,406.67	$660

Every year after

The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.

CIBC Dividend® Visa Infinite* Card comes out ahead

Feature	CIBC Dividend® Visa Infinite* Card	Tangerine® Money-Back World Mastercard®*
Rewards earned	$1,206	$540
Lost to spending caps	−$49.33	$0
Annual fee	−$120	$0
Net value	$1,036.67	$540

• Capped at $50,000 of spending a year

Show the per-category math

Per-category earnings

Category	Spending	CIBC Dividend® Visa Infinite* Card		Tangerine® Money-Back World Mastercard®*
		Rate	Value	Rate	Value
Groceries	$13,800	4%	$552	2%	$276
Gas & EV	$4,200	4%	$168	2%	$84
Transit	$2,700	2%	$54	0.5%base rate	$13.50
Restaurants	$4,800	2%	$96	0.5%base rate	$24
Pharmacy	$900	1%base rate	$9	0.5%base rate	$4.50
Travel	$1,500	1%base rate	$15	0.5%base rate	$7.50
Bills & recurring payments	$5,100	2%	$102	0.5%base rate	$25.50
Telecom	$4,800	1%base rate	$48	0.5%base rate	$24
Entertainment & streaming	$4,200	1%base rate	$42	0.5%base rate	$21
Office supplies	$0	1%base rate	$0	0.5%base rate	$0
Online advertising	$0	1%base rate	$0	0.5%base rate	$0
Other	$12,000	1%base rate	$120	0.5%base rate	$60

Light spender

A modest basket where an annual fee weighs heavily.

Assumes $21,000 of card spending a year

Year one

Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.

CIBC Dividend® Visa Infinite* Card comes out ahead

Feature	CIBC Dividend® Visa Infinite* Card	Tangerine® Money-Back World Mastercard®*
Rewards earned	$459	$204
Annual fee	$0	$0
Welcome bonus	$250	$120
Net value	$709	$324

Every year after

The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.

CIBC Dividend® Visa Infinite* Card comes out ahead

Feature	CIBC Dividend® Visa Infinite* Card	Tangerine® Money-Back World Mastercard®*
Rewards earned	$459	$204
Annual fee	−$120	$0
Net value	$339	$204

Show the per-category math

Per-category earnings

Category	Spending	CIBC Dividend® Visa Infinite* Card		Tangerine® Money-Back World Mastercard®*
		Rate	Value	Rate	Value
Groceries	$4,800	4%	$192	2%	$96
Gas & EV	$1,800	4%	$72	2%	$36
Transit	$900	2%	$18	0.5%base rate	$4.50
Restaurants	$2,100	2%	$42	0.5%base rate	$10.50
Pharmacy	$600	1%base rate	$6	0.5%base rate	$3
Travel	$600	1%base rate	$6	0.5%base rate	$3
Bills & recurring payments	$2,100	2%	$42	0.5%base rate	$10.50
Telecom	$2,400	1%base rate	$24	0.5%base rate	$12
Entertainment & streaming	$1,500	1%base rate	$15	0.5%base rate	$7.50
Office supplies	$0	1%base rate	$0	0.5%base rate	$0
Online advertising	$0	1%base rate	$0	0.5%base rate	$0
Other	$4,200	1%base rate	$42	0.5%base rate	$21

Everyday couple

A balanced two-person basket across groceries, dining and bills.

Assumes $36,000 of card spending a year

Year one

Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.

CIBC Dividend® Visa Infinite* Card comes out ahead

Feature	CIBC Dividend® Visa Infinite* Card	Tangerine® Money-Back World Mastercard®*
Rewards earned	$786	$351
Annual fee	$0	$0
Welcome bonus	$250	$120
Net value	$1,036	$471

Every year after

The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.

CIBC Dividend® Visa Infinite* Card comes out ahead

Feature	CIBC Dividend® Visa Infinite* Card	Tangerine® Money-Back World Mastercard®*
Rewards earned	$786	$351
Annual fee	−$120	$0
Net value	$666	$351

Show the per-category math

Per-category earnings

Category	Spending	CIBC Dividend® Visa Infinite* Card		Tangerine® Money-Back World Mastercard®*
		Rate	Value	Rate	Value
Groceries	$9,000	4%	$360	2%	$180
Gas & EV	$2,400	4%	$96	2%	$48
Transit	$1,800	2%	$36	0.5%base rate	$9
Restaurants	$3,600	2%	$72	0.5%base rate	$18
Pharmacy	$600	1%base rate	$6	0.5%base rate	$3
Travel	$1,200	1%base rate	$12	0.5%base rate	$6
Bills & recurring payments	$3,000	2%	$60	0.5%base rate	$15
Telecom	$3,600	1%base rate	$36	0.5%base rate	$18
Entertainment & streaming	$3,600	1%base rate	$36	0.5%base rate	$18
Office supplies	$0	1%base rate	$0	0.5%base rate	$0
Online advertising	$0	1%base rate	$0	0.5%base rate	$0
Other	$7,200	1%base rate	$72	0.5%base rate	$36

Retiree

A basket tilted towards groceries, pharmacy and travel.

Assumes $27,000 of card spending a year

Year one

Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.

CIBC Dividend® Visa Infinite* Card comes out ahead

Feature	CIBC Dividend® Visa Infinite* Card	Tangerine® Money-Back World Mastercard®*
Rewards earned	$612	$274.50
Annual fee	$0	$0
Welcome bonus	$250	$120
Net value	$862	$394.50

Every year after

The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.

CIBC Dividend® Visa Infinite* Card comes out ahead

Feature	CIBC Dividend® Visa Infinite* Card	Tangerine® Money-Back World Mastercard®*
Rewards earned	$612	$274.50
Annual fee	−$120	$0
Net value	$492	$274.50

Show the per-category math

Per-category earnings

Category	Spending	CIBC Dividend® Visa Infinite* Card		Tangerine® Money-Back World Mastercard®*
		Rate	Value	Rate	Value
Groceries	$7,200	4%	$288	2%	$144
Gas & EV	$2,100	4%	$84	2%	$42
Transit	$1,200	2%	$24	0.5%base rate	$6
Restaurants	$2,400	2%	$48	0.5%base rate	$12
Pharmacy	$600	1%base rate	$6	0.5%base rate	$3
Travel	$900	1%base rate	$9	0.5%base rate	$4.50
Bills & recurring payments	$2,700	2%	$54	0.5%base rate	$13.50
Telecom	$2,700	1%base rate	$27	0.5%base rate	$13.50
Entertainment & streaming	$2,100	1%base rate	$21	0.5%base rate	$10.50
Office supplies	$0	1%base rate	$0	0.5%base rate	$0
Online advertising	$0	1%base rate	$0	0.5%base rate	$0
Other	$5,100	1%base rate	$51	0.5%base rate	$25.50

International traveller

A couple's basket with a quarter of the spending charged in another currency.

Assumes $36,000 of card spending a year, of which 25% is charged in a foreign currency (a scenario assumption, not measured data)

Year one

Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.

CIBC Dividend® Visa Infinite* Card comes out ahead

Feature	CIBC Dividend® Visa Infinite* Card	Tangerine® Money-Back World Mastercard®*
Rewards earned	$786	$351
Foreign transaction fees	−$225	−$225
Annual fee	$0	$0
Welcome bonus	$250	$120
Net value	$811	$246

Every year after

The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.

CIBC Dividend® Visa Infinite* Card comes out ahead

Feature	CIBC Dividend® Visa Infinite* Card	Tangerine® Money-Back World Mastercard®*
Rewards earned	$786	$351
Foreign transaction fees	−$225	−$225
Annual fee	−$120	$0
Net value	$441	$126

Show the per-category math

Per-category earnings

Category	Spending	CIBC Dividend® Visa Infinite* Card		Tangerine® Money-Back World Mastercard®*
		Rate	Value	Rate	Value
Groceries	$9,000	4%	$360	2%	$180
Gas & EV	$2,400	4%	$96	2%	$48
Transit	$1,800	2%	$36	0.5%base rate	$9
Restaurants	$3,600	2%	$72	0.5%base rate	$18
Pharmacy	$600	1%base rate	$6	0.5%base rate	$3
Travel	$1,200	1%base rate	$12	0.5%base rate	$6
Bills & recurring payments	$3,000	2%	$60	0.5%base rate	$15
Telecom	$3,600	1%base rate	$36	0.5%base rate	$18
Entertainment & streaming	$3,600	1%base rate	$36	0.5%base rate	$18
Office supplies	$0	1%base rate	$0	0.5%base rate	$0
Online advertising	$0	1%base rate	$0	0.5%base rate	$0
Other	$7,200	1%base rate	$72	0.5%base rate	$36

Frequent foreign spender

A deliberately aggressive scenario: half of all spending charged in another currency.

Assumes $31,800 of card spending a year, of which 50% is charged in a foreign currency (a scenario assumption, not measured data)

Year one

Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.

CIBC Dividend® Visa Infinite* Card comes out ahead

Feature	CIBC Dividend® Visa Infinite* Card	Tangerine® Money-Back World Mastercard®*
Rewards earned	$651	$280.50
Foreign transaction fees	−$397.50	−$397.50
Annual fee	$0	$0
Welcome bonus	$250	$120
Net value	$503.50	$3

Every year after

The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.

CIBC Dividend® Visa Infinite* Card comes out ahead

Feature	CIBC Dividend® Visa Infinite* Card	Tangerine® Money-Back World Mastercard®*
Rewards earned	$651	$280.50
Foreign transaction fees	−$397.50	−$397.50
Annual fee	−$120	$0
Net value	$133.50	−$117

Show the per-category math

Per-category earnings

Category	Spending	CIBC Dividend® Visa Infinite* Card		Tangerine® Money-Back World Mastercard®*
		Rate	Value	Rate	Value
Groceries	$6,000	4%	$240	2%	$120
Gas & EV	$2,100	4%	$84	2%	$42
Transit	$1,800	2%	$36	0.5%base rate	$9
Restaurants	$4,200	2%	$84	0.5%base rate	$21
Pharmacy	$600	1%base rate	$6	0.5%base rate	$3
Travel	$900	1%base rate	$9	0.5%base rate	$4.50
Bills & recurring payments	$3,000	2%	$60	0.5%base rate	$15
Telecom	$3,600	1%base rate	$36	0.5%base rate	$18
Entertainment & streaming	$2,100	1%base rate	$21	0.5%base rate	$10.50
Office supplies	$0	1%base rate	$0	0.5%base rate	$0
Online advertising	$0	1%base rate	$0	0.5%base rate	$0
Other	$7,500	1%base rate	$75	0.5%base rate	$37.50

Frequently asked questions

How we compare

• Every figure on this page is read from the card data we maintain — annual fees, foreign transaction fees, earn rates, spending caps, welcome offers, insurance and lounge access.
• Points are valued at our published valuation for each card's loyalty program. Cash back is counted at face value.
• The spending profiles are standard baskets, not your spending. The share charged in a foreign currency is a stated scenario assumption.
• Year one and the years after are kept separate: the welcome bonus and any first-year fee waiver only count in year one.
• We may earn a commission when you apply through the links on this page. It never changes the figures above — they come from the same data for every card.

Ready to apply?

Applications are submitted on the issuer's own site. Nothing you read above changes if you apply from here.

CIBC Dividend® Visa Infinite* Card

Annual fee

$120 $0

Base Rewards Rate

1%

Cash Back

Welcome bonus

$250

(Up to)

Apply NowFull review

Applications are submitted to CIBC

Tangerine® Money-Back World Mastercard®*

Annual fee

$0

Base Rewards Rate

0.5%

Cash Back

Welcome bonus

$120

Apply NowFull review

Applications are submitted to Tangerine