CIBC has launched the CIBC Adapta Mastercard, a new card with no annual fee. The main distinction of this card is that it automatically adapts to its holder’s spending habits.
This means you don’t have to adapt to your credit card, because it adapts to you and your spending habits.
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
An additional 3,000 Adapta points (up to $25) after $1,000 in cumulative spending over your first four statements
A free Skip+ membership (a $110 value)
A roadside assistance membership (a $50 value) provided by the Dominion Automobile Association, including towing, battery boost, 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 Travel powered 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.
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.
Annual fee
Primary card$0
Additional card$0
Annual income required
Individual$15,000
Household$15,000
Conversion fees
2.5%
Earning rate
1xAll spending
Value
1st Year Value$252
2nd Year Value$202
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
The CIBC Adapta Mastercard is a no-annual-fee card that stands out for its flexibility: it automatically determines your three main spending categories each month and rewards you more for them.
Cardholders accumulate :
1.5 points per full dollar eligible in the top 3 monthly categories;
1 point per full dollar and eligible on all other purchases.
The categories are :
Grocery and drug stores
Pet stores
Dining and drinks
Gas and EV
Transit and parking
Entertainment
E-games and subscriptions
Home improvements
Electronics
Clothing
Health and beauty
Hotels and motels
So, if you spent a total of $1,000 this month, mainly on clothing, groceries and transit, these three categories of spending will earn you 1,500 Adapta points (1,000 multiplied by 1.5 points).
The minimum annual income required to qualify for the CIBC Adapta Mastercard is $15,000.
CIBC Adapta Mastercard Welcome Offer
Get up to 6,000 Adapta points during your first year (a value of up to $50):
Receive a welcome bonus of 3,000 Adapta Points after your first purchase;
Earn an additional 3,000 Adapta Points if you spend $1,000 during the period covered by your first 4 monthly statements.
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
An additional 3,000 Adapta points (up to $25) after $1,000 in cumulative spending over your first four statements
A free Skip+ membership (a $110 value)
A roadside assistance membership (a $50 value) provided by the Dominion Automobile Association, including towing, battery boost, 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 Travel powered 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.
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.
Annual fee
Primary card$0
Additional card$0
Annual income required
Individual$15,000
Household$15,000
Conversion fees
2.5%
Earning rate
1xAll spending
Value
1st Year Value$252
2nd Year Value$202
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Adapta points redemption
There are 3 ways to redeem and spend your Adapta points:
Pay off your outstanding credit card balance: every 1,500 Adapta points equals a $10 payment on your outstanding balance;
Make payments or contributions to your CIBC financial products: each 1,200 Adapta Points equals $10 in payments or contributions;
Get a statement credit for a recent purchase (pending transaction): every 1,500 Adapta points earns $10 in credit applied to your card.
The best value is to make a contribution and invest in your RRSP, TFSA or other CIBC accounts. You’ll get a better redemption rate (0.8 cents per point) than the other options (0.67 cents per point).
So, if you get all 6,000 Adapta points from the welcome offer, you can :
Contribute $50 to your CIBC RRSP, TFSA or other plan
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
An additional 3,000 Adapta points (up to $25) after $1,000 in cumulative spending over your first four statements
A free Skip+ membership (a $110 value)
A roadside assistance membership (a $50 value) provided by the Dominion Automobile Association, including towing, battery boost, 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 Travel powered 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.
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.
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$800Annual fee rebated$139Total$939Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
With the TD First Class Travel® Visa Infinite* Card, you can earn up to 160,000 TD Rewards Points† as well as an Annual Fee rebate for the first year†:
20,000 TD Rewards Points for the first purchase made with your card†
140,000 TD Rewards Points when you spend $7,500 within 180 days of account opening†
A Birthday Bonus of up to 10,000 TD Rewards Points†
Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD, and enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $277)†.
With the TD First Class Travel® Visa Infinite* Card, you earn:
8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†
6 TD Rewards Points† per dollar on your grocery, dining and public transit purchases
4 TD Rewards Points† per dollar on your recurring bill payments and purchases of streaming services as well as digital games and media
2 TD Rewards Points† per dollar on all other purchases made with your card
This card also allows you to enjoy a range of travel benefits, including an annual travel credit, complimentary airport lounge visits, and a birthday bonus that boosts your points each year†.
Legal
†Terms and conditions apply.
Annual fee
Primary card$139
Additional card$50
Annual income required
Individual$60,000
Household$100,000
Conversion fees
2.5%
Earning rate
6xGroceries
6xRestaurants
6xTransit
4xBills & recurring payments
4xStreaming
2xAll spending
Value
1st Year Value$1,430
2nd Year Value$531
Card benefits
Concierge service24/7
Airport lounge access$160
Travel insurance
Travel medical (under 55)Up to $2,000,000 / 21 days
Travel medical (55-64)Up to $2,000,000 / 21 days
Travel medical (65+)Up to $2,000,000 / 4 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $500
Hotel BurglaryUp to $2,500
Travel AccidentUp to $500,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000
Auto Rental CollisionUp to $65,000 / 48 days
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