{"id":445193,"date":"2025-05-02T10:10:00","date_gmt":"2025-05-02T14:10:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=445193"},"modified":"2025-05-02T14:12:13","modified_gmt":"2025-05-02T18:12:13","slug":"cibc-adapta-credit-card","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/news\/finance\/cibc-adapta-credit-card\/","title":{"rendered":"CIBC Launches Adapta: a Credit Card that Adapts to Your Expenses"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;New CIBC Adapta Mastercard&#8221; css=&#8221;&#8221; el_id=&#8221;new_cibc_adapta_mastercard&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>CIBC has launched the <a title=\"CIBC Adapta Mastercard card\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-adapta-mastercard\/\" rel=\"noindex\">CIBC Adapta Mastercard<\/a>, a new card with no annual fee. The main distinction of this card is that it automatically adapts to its holder&#8217;s spending habits.<\/p>\n<p>This means you don&#8217;t have to adapt to your credit card, because it adapts to you and your spending habits.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"445152\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a title=\"CIBC Adapta Mastercard card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-adapta-mastercard\/\" rel=\"noindex\">CIBC Adapta Mastercard<\/a> is a <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/no-fee\/\" target=\"_blank\" rel=\"noopener\">no-annual-fee<\/a> card that stands out for its flexibility: it automatically determines your three main spending categories each month and rewards you more for them.<\/p>\n<p>Cardholders accumulate&nbsp;:<\/p>\n<ul>\n<li>1.5 points per full dollar eligible in the top 3 monthly categories;<\/li>\n<li>1 point per full dollar and eligible on all other purchases.<\/li>\n<\/ul>\n<p>The categories are&nbsp;:<\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 93px;\">\n<tbody>\n<tr style=\"height: 23px;\">\n<td style=\"width: 25%; height: 23px; text-align: center;\">Grocery and drug stores<\/td>\n<td style=\"width: 25%; height: 23px; text-align: center;\">Pet stores<\/td>\n<td style=\"width: 25%; height: 23px; text-align: center;\">Dining and drinks<\/td>\n<td style=\"width: 25%; height: 23px; text-align: center;\">Gas and EV<\/td>\n<\/tr>\n<tr style=\"height: 47px;\">\n<td style=\"width: 25%; height: 47px; text-align: center;\">Transit and parking<\/td>\n<td style=\"width: 25%; height: 47px; text-align: center;\">Entertainment<\/td>\n<td style=\"width: 25%; height: 47px; text-align: center;\">E-games and subscriptions<\/td>\n<td style=\"width: 25%; height: 47px; text-align: center;\">Home improvements<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 25%; height: 23px; text-align: center;\">Electronics<\/td>\n<td style=\"width: 25%; height: 23px; text-align: center;\">Clothing<\/td>\n<td style=\"width: 25%; height: 23px; text-align: center;\">Health and beauty<\/td>\n<td style=\"width: 25%; height: 23px; text-align: center;\">Hotels and motels<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>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).<\/p>\n<p>The minimum annual income required to qualify for the CIBC Adapta Mastercard is $15,000.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;CIBC Adapta Mastercard Welcome Offer&#8221; css=&#8221;&#8221; el_id=&#8221;cibc_adapta_mastercard_welcome_offer&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Get up to <strong>6,000 Adapta points<\/strong> during your first year (a value of up to $50):<\/p>\n<ul>\n<li>Receive a welcome bonus of <strong>3,000 Adapta Points<\/strong> after your first purchase;<\/li>\n<li>Earn an additional<strong> 3,000 Adapta Points<\/strong> if you spend $1,000 during the period covered by your first 4 monthly statements.<\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"445152\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Adapta points redemption&#8221; css=&#8221;&#8221; el_id=&#8221;adapta_points_redemption&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>There are 3 ways to redeem and spend your Adapta points:<\/p>\n<ul>\n<li>Pay off your outstanding credit card balance: every 1,500 Adapta points equals a $10 payment on your outstanding balance;<\/li>\n<li>Make payments or contributions to your CIBC financial products: each 1,200 Adapta Points equals $10 in payments or contributions;<\/li>\n<li>Get a statement credit for a recent purchase (pending transaction): every 1,500 Adapta points earns $10 in credit applied to your card.<\/li>\n<\/ul>\n<p>The best value is to make a contribution and <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/invest-reward-points\/\">invest in your RRSP, TFSA<\/a> or other CIBC accounts. You&#8217;ll get a better redemption rate (0.8 cents per point) than the other options (0.67 cents per point).<\/p>\n<p>So, if you get all 6,000 Adapta points from the welcome offer, you can&nbsp;:<\/p>\n<ul>\n<li>Contribute $50 to your CIBC RRSP, TFSA or other plan<\/li>\n<li>Or, pay off $40 of your outstanding balance or pay off a recent purchase with your <a title=\"CIBC Adapta Mastercard card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-adapta-mastercard\/\" rel=\"noindex\">CIBC Adapta Mastercard Card.<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\"><\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Other CIBC Adapta Mastercard features&#8221; css=&#8221;&#8221; el_id=&#8221;other_cibc_adapta_mastercard_features&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Other features and benefits include&nbsp;:<\/p>\n<ul>\n<li>The first Touch Card design by Mastercard in Canada, with a notch allowing visually impaired people to easily identify their card in their wallet;<\/li>\n<li>Vertical orientation;<\/li>\n<li>Made of recycled plastic;<\/li>\n<li>Roadside assistance included ($50 value);<\/li>\n<li>Purchase insurance and extended warranty;<\/li>\n<li>12-month free trial of <a href=\"https:\/\/milesopedia.com\/en\/rewards\/special-offers\/partnership-skip-cibc\/\" target=\"_blank\" rel=\"noopener\">Skip+<\/a>;<\/li>\n<li>Save up to 10 cents per liter on gasoline with <a href=\"https:\/\/milesopedia.com\/en\/rewards\/journie-ultimate-guide\/\" target=\"_blank\" rel=\"noopener\">Journie Rewards<\/a>.<\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"94028,415401\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Bottom Line&#8221; el_id=&#8221;bottom_line&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>CIBC is launching a new <a title=\"CIBC Adapta Mastercard card\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-adapta-mastercard\/\" rel=\"noindex\">CIBC Adapta Mastercard<\/a> that lives up to its name! Is this card ideal for someone who&nbsp;:<\/p>\n<ul>\n<li>Look for a card with no annual fee;<\/li>\n<li>Has variable spending habits;<\/li>\n<li>Wants to maximize rewards without effort or calculation;<\/li>\n<li>Appreciates flexibility in their rewards or cash back style.<\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"445152\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Discover the new CIBC Adapta Mastercard, which rewards your 3 main monthly spending categories with 50% more points.<\/p>","protected":false},"author":127,"featured_media":445015,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[48417],"tags":[],"mc_loyalty_program":[],"class_list":["post-445193","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","mc_market-all-of-canada","post_region-canada-en","travel_type-budget-travel"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>CIBC Launches Adapta: a Credit Card that Adapts to Your Expenses | Milesopedia<\/title>\n<meta name=\"description\" content=\"Discover the new CIBC Adapta Mastercard, which rewards your 3 main monthly spending categories with 50% more points.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/milesopedia.com\/en\/news\/finance\/cibc-adapta-credit-card\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CIBC Launches Adapta: a Credit Card that Adapts to Your Expenses\" \/>\n<meta property=\"og:description\" content=\"Discover the new CIBC Adapta Mastercard, which rewards your 3 main monthly spending categories with 50% more points.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/milesopedia.com\/en\/news\/finance\/cibc-adapta-credit-card\/\" \/>\n<meta property=\"og:site_name\" content=\"Milesopedia\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/milesopedia\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/groups\/milesopedia\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-02T14:10:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-05-02T18:12:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/05\/CIBC-1024x538-Adapta.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"538\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Caroline Tremblay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta 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Canada\"},\"image\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/milesopedia\",\"https:\\\/\\\/x.com\\\/milesopedia\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/milesopedia\",\"https:\\\/\\\/www.tiktok.com\\\/@milesopedia\",\"https:\\\/\\\/www.youtube.com\\\/milesopedia\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#\\\/schema\\\/person\\\/bb854d6884fc35bec7910372b2bd569f\",\"name\":\"Caroline Tremblay\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2024\\\/12\\\/Photo-Profil-rond-Caroline-200x200.png\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2024\\\/12\\\/Photo-Profil-rond-Caroline-200x200.png\",\"contentUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2024\\\/12\\\/Photo-Profil-rond-Caroline-200x200.png\",\"caption\":\"Caroline 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