Ratesopedia

Pros & Cons

Pros

  • +Welcome Bonus: 6,000 points
  • +Purchase protection included
  • +No annual fee

Cons

  • Foreign Transaction Fee (2.5%)

Our Review

With this offer for the CIBC Adapta Mastercard, you can get a value of up to $200 as a welcome bonus, with no annual fee:

  • 3,000 Adapta points (up to $25) on your first purchase
  • 3,000 additional Adapta points (up to $25) after $1,000 in cumulative spending over your first four statements
  • A free Skip+ membership (value of $110)
  • Membership to Roadside Assistance (value of $50) offered by the Dominion Automobile Association, including towing, battery boosting, gas delivery, etc.

With the CIBC Adapta Mastercard, you can earn:

  • 1.5 Adapta points per dollar in your top three monthly spending categories; or
  • 2 Adapta points per dollar on eligible travel purchases made through CIBC by Expedia; or
  • 1 Adapta point per dollar for all other purchases

Plus, link your CIBC Adapta Mastercard to Journie Rewards to save up to 10¢ per litre on fuel at participating stations. And since it’s a Mastercard credit card, you can also use your CIBC Adapta Mastercard at Costco.

Rewards

All Spending

1x

Adapta pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢
Groceries1x
$700/month
Gas & EV1x
$200/month
Transit1x
$100/month
Restaurants1x
$300/month
Pharmacy1x
$50/month
Travel1x
$150/month
Bills & recurring payments1x
$250/month
Telecom1x
$150/month
Entertainment & streaming1x
$100/month
Office supplies1x
$0/month
All other spending1x
$500/month

Points Earned

30,000

Adapta/yr

Estimated Value

$300

After Fees

+$300

1st Year Value

$360

incl. welcome bonus

Annual rewards breakdown

Groceries$8,400/yr × 1x8,400 pts
Gas & EV$2,400/yr × 1x2,400 pts
Transit$1,200/yr × 1x1,200 pts
Restaurants$3,600/yr × 1x3,600 pts
Pharmacy$600/yr × 1x600 pts
Travel$1,800/yr × 1x1,800 pts
Bills & recurring payments$3,000/yr × 1x3,000 pts
Telecom$1,800/yr × 1x1,800 pts
Entertainment & streaming$1,200/yr × 1x1,200 pts
All other spending$6,000/yr × 1x6,000 pts
Total annual spend$30,000
Monthly spend$2,500
Average earn rate on spend per year1x
Average earn rate on spend 1st year with welcome bonus1.2x
Total points earned on spend30,000 pts
Welcome bonus points+6,000 pts
  • Earn 3,000 Adapta
  • Earn 3,000 Adapta after $1,000 in purchases within the first 4 months
Total points earned36,000 pts
Value of accumulated points$360

Purchase Protection

Purchase Protection

Included

Extended Warranty

+1 year(s)

Fees and interest rates

  • Annual Fee
    $0
  • Additional card fee
    $0
  • Foreign currency conversion fee
    2.5%
  • Purchase Rate
    21.99%
  • Balance transfer rate22.99%
    Quebec21.99%
  • Cash advance rate22.99%
    Quebec21.99%

Eligibility

Personal Income

$15,000

Household Income

$15,000

Terms & Conditions

Card Features

Welcome Offer: Join and get up to $200 in value with no annual fee.

Here’s how it adds up:

  • Receive a Welcome Bonus of 3,000 Adapta points after your first purchase (up to $25 value)
  • Get 3,000 Adapta points when you spend $1,000 in the first 4 monthly statement periods (up to $25 value)
  • As an eligible CIBC Cardholder, take advantage of a free Skip+ membership (first year value of $110)
  • Includes membership to Roadside Assistance after you make your first purchase. Services include battery boosting, gas delivery, towing and more, offered by Dominion Automobile Association ($50 value)

How do Adapta points work?

Each month, you’ll automatically earn:

  • 1.5 Adapta points for every dollar you spend in your top 3 spend categories; or
  • 2 Adapta points for every dollar you spend on eligible travel purchases made through CIBC by Expedia; or
  • 1 Adapta point for every dollar you spend on all other purchases.

What are Adapta points worth?

  • 1,500 Adapta points are worth $10 when applied to your credit card balance or a recent purchase.
  • 1,200 Adapta points are worth $10 when used toward an eligible CIBC financial product.

Get a free Skip+ membership when you link your eligible CIBC credit card

Plus, enjoy $0 delivery fees and earn a $10 monthly voucher.

Fuel up for less

Link your card with Journie Rewards to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.

Related Cards

Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 CIBC. All trademarks are property of their respective owners.