
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 earn up to 6,000 Adapta points 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 total purchases on your first four statements.
With the CIBC Adapta Mastercard, you benefit from membership in the roadside assistance service (value of $50) offered by the Dominion Automobile Association, which includes towing, battery boosting, fuel delivery, and more.
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 gas 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
22,320
Adapta/yr
Estimated Value
$223
After Fees
+$223
1st Year Value
$283
incl. welcome bonus
Annual rewards breakdown
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Interest Rates
- Purchase Rate21.99%
- Cash Advance22.99%
- Foreign Transaction Fee2.5%
Terms & Conditions
Card Features
Join and get up to $100 in value† for 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)†
- 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 redeemed towards your credit card balance or a recent purchase.†
- 1,200 Adapta points are worth $10 when redeemed towards select CIBC financial products.†
Save over $600 with CIBC and Skip
Get a 12-month Skip+ free trial and other exclusive benefits when you link your CIBC Adapta Mastercard with Skip.†
Save on gas with CIBC and Journie Rewards
Link and use your CIBC Adapta Mastercard 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.
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.


