CIBC Adapta™ Mastercard®

Welcome Bonus
Up to 6,000 Adapta Points
  • No annual fee
  • Accepted at Costco
  • Roadside Assistance
Annual Fee
$0
Interest rates
Purchase Rates
21.99%
Cash Advance Rates
22.99%
21.99% (QC)
Balance Transfer Rates
22.99%
21.99% (QC)
Carte CIBC Adapta Mastercard
CIBC Adapta™ Mastercard®
Up to 6,000 Adapta Points
Apply Now

Offer

Join and get up to $100 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)
  • 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.
  • 1 Adapta point for every dollar you spend on all other purchases.

Spend categories

  • Grocery and drug stores
  • Pet stores
  • Dining and drinks
  • Gas and EV
  • Transit and parking
  • Entertainment
  • E-games and subscriptions
  • Home improvement
  • Electronics
  • Clothing
  • Health and beauty
  • Hotels and motels

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.

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 litreat participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.

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.

Fees & Conditions

Annual Fee $0
First Additional Card $0
Other Additional Card $0
Foreign Transaction Fee 2.5%
Purchase Rates 21.99%
Cash Advance Rates 22.99%
Balance Transfer Rates 22.99%
Cash Advance Rate (QC) 21.99%
Balance Transfer Rates (QC) 21.99%

Value

Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Rewards Earned
Annual fee
Net value

Advantages

Welcome Bonus amount Up to 6,000 Adapta Points
Minimum Spending Required $1,000
Minimum Spending Timeframe (Months) 4 month(s)
Costco

Earnings

Per dollar of purchases

All Spending 1 Adapta Point
Groceries 1 Adapta Point
Gas 1 Adapta Point
Dining and Food delivery 1 Adapta Point
Convenience Stores 1 Adapta Point
Drugstores 1 Adapta Point
Local Transport 1 Adapta Point
Travel 1 Adapta Point
Entertainment 1 Adapta Point
Recurring Payments 1 Adapta Point
Telecom/Internet 1 Adapta Point
Streaming services 1 Adapta Point
Online transactions 1 Adapta Point
Office Supplies 1 Adapta Point

Insurance

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

This section sets out the maximum coverage amounts or periods. Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.

Other Insurance

Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
Price Protection

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 cumulative spending 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 three main expense categories each month
  • 1 Adapta point per dollar for all other purchases

Furthermore, link your CIBC Adapta Mastercard to Journie Rewards to save up to 10¢ per litre of gas at participating stations. And because it’s a Mastercard credit card, you can use your CIBC Adapta Mastercard at Costco.

Alternative Cards

3.5

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