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.
Points Earned
30,000
Adapta/yr
Estimated Value
$300
After Fees
+$300
1st Year Value
$360
incl. welcome bonus
Annual rewards breakdown
- Earn 3,000 Adapta
- Earn 3,000 Adapta after $1,000 in purchases within the first 4 months
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Fees and interest rates
- Annual Fee$0
- Additional card fee$0
- Foreign currency conversion fee2.5%
- Purchase Rate21.99%
- 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.†
Legal
CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Adapta card within the last 12 months.†
†Terms and Conditions Apply. Select Apply Now to learn more.
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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.







