{"id":474119,"date":"2026-04-07T09:50:09","date_gmt":"2026-04-07T13:50:09","guid":{"rendered":"https:\/\/milesopedia.com\/?p=474119"},"modified":"2026-04-07T10:08:21","modified_gmt":"2026-04-07T14:08:21","slug":"comparison-capital-one-smart-rewards-mastercard-vs-cibc-adapta-mastercard","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/comparison-capital-one-smart-rewards-mastercard-vs-cibc-adapta-mastercard\/","title":{"rendered":"Head-to-Head: Capital One Smart Rewards Mastercard vs. CIBC Adapta Mastercard"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Building and maintaining a good credit score and credit history is an important part of your financial fortitude.<\/p>\n<p>Luckily, both CIBC and Capital One offer credit cards that are designed to help you strengthen your financial health and build good habits around credit use:<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-adapta-mastercard\/\">CIBC Adapta\u2122 Mastercard<sup>&reg;<\/sup><\/a><\/li>\n<li>Capital One Smart Rewards<a title=\"Smart Rewards\u2122 Mastercard<sup>&reg;<\/sup> Capital One\" href=\"https:\/\/milesopedia.com\/en\/credit-cards\/smart-rewards-mastercard-capital-one\/\" rel=\"noindex\">\u2122<\/a> Mastercard<sup>&reg;<\/sup><\/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='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"445152,394481\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card-compare--offer-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--value-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--fee-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-2\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text css=&#8221;&#8221; el_class=&#8221;links&#8221;]<\/p>\n<p>The\u00a0<a title=\"CIBC Adapta&lt;sup&gt;TM&lt;\/sup&gt; Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-adapta-mastercard\/\" rel=\"noindex\">CIBC Adapta\u2122 Mastercard<sup>&reg;<\/sup><\/a> and the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/smart-rewards-mastercard-capital-one\/\">Capital One Smart Rewards\u2122 Mastercard<sup>&reg;<\/sup><\/a> are both good choices for someone who&#8217;s newer to their credit journey or someone who&#8217;s working to build\/rebuild their credit score.<\/p>\n<p>To help clarify how these two cards stack up against one another, in this article, we compare the following aspects of the cards:<\/p>\n<ul>\n<li><a href=\"#prime\">Welcome Bonus<\/a><\/li>\n<li><a href=\"#revenu\">Minimum Income<\/a><\/li>\n<li><a href=\"#frais\">Annual Fee<\/a><\/li>\n<li><a href=\"#accumulation\">Earning Points<\/a><\/li>\n<li><a href=\"#utilisation\">Using Points<\/a><\/li>\n<li><a href=\"#assurances\">Travel Insurance<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Bonus&#8221;][vc_column][vc_custom_heading text=&#8221;Welcome Bonus&#8221; el_id=&#8221;welcome_bonus&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Comparing the welcome bonus offers between these two cards is incredibly straightforward since, unfortunately, the\u00a0Capital One Smart Rewards\u2122 Mastercard<sup>&reg;<\/sup> doesn&#8217;t currently offer any rewards bonus.<\/p>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;445157&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>As a new\u00a0<a title=\"CIBC Adapta&lt;sup&gt;TM&lt;\/sup&gt; Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-adapta-mastercard\/\" rel=\"noindex\">CIBC Adapta\u2122 Mastercard<sup>&reg;<\/sup><\/a> cardholder, you can expect to enjoy an offer like:<\/p>\n<ul>\n<li><strong>Earn 3,000 Adapta Points<\/strong> after you make your first purchase<\/li>\n<li><strong>Earn a second bonus of 3,000 Adapta Points<\/strong> when you spend at least $1,000 in your first 4 months as a cardholder<\/li>\n<\/ul>\n<p>Keep in mind that this welcome offer is likely to change occasionally, so it&#8217;s worthwhile confirming the up-to-date offer on the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/cibc-adapta-mastercard\/\">CIBC Adapta\u2122 Mastercard<sup>&reg;<\/sup> credit card page<\/a>.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;394460&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/smart-rewards-mastercard-capital-one\/\">Capital One Smart Rewards\u2122 Mastercard<sup>&reg;<\/sup><\/a> doesn&#8217;t currently offer a welcome bonus.<\/p>\n<p>This lack of bonus does kind of make sense given how the card&#8217;s rewards system is structured (more on this below); however, it would still be nice to see a little something on offer for new cardholders.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579492398{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: CIBC Adapta Mastercard&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; css=&#8221;&#8221; el_id=&#8221;advantage_cibc_adapta_mastercard&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>As the only card offering a welcome bonus, the\u00a0<a title=\"CIBC Adapta&lt;sup&gt;TM&lt;\/sup&gt; Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-adapta-mastercard\/\" rel=\"noindex\">CIBC Adapta\u2122 Mastercard<sup>&reg;<\/sup><\/a> is the clear winner here.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Income&#8221;][vc_column][vc_custom_heading text=&#8221;Minimum Income&#8221; el_id=&#8221;minimum_income&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;445157&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The\u00a0<a title=\"CIBC Adapta&lt;sup&gt;TM&lt;\/sup&gt; Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-adapta-mastercard\/\" rel=\"noindex\">CIBC Adapta\u2122 Mastercard<sup>&reg;<\/sup><\/a> has a minimum household income requirement of $15,000.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;394460&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The\u00a0<a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/smart-rewards-mastercard-capital-one\/\">Capital One Smart Rewards\u2122 Mastercard<sup>&reg;<\/sup><\/a> has no minimum income requirement.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579508645{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: Capital One Smart Rewards Mastercard&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; css=&#8221;&#8221; el_id=&#8221;advantage_capital_one_smart_rewards_mastercard&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>With no minimum income requirement, the\u00a0<a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/smart-rewards-mastercard-capital-one\/\">Capital One Smart Rewards\u2122 Mastercard<sup>&reg;<\/sup><\/a> beats out the low minimum income requirement offered by the\u00a0<a title=\"CIBC Adapta&lt;sup&gt;TM&lt;\/sup&gt; Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-adapta-mastercard\/\" rel=\"noindex\">CIBC Adapta\u2122 Mastercard<sup>&reg;<\/sup><\/a>.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Fees&#8221;][vc_column][vc_custom_heading text=&#8221;Annual Fee&#8221; el_id=&#8221;annual_fee&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;445157&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The\u00a0<a title=\"CIBC Adapta&lt;sup&gt;TM&lt;\/sup&gt; Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-adapta-mastercard\/\" rel=\"noindex\">CIBC Adapta\u2122 Mastercard<sup>&reg;<\/sup><\/a> lets you earn Adapta Points for <strong>no annual fee.<\/strong><\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;394460&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/smart-rewards-mastercard-capital-one\/\">Capital One Smart Rewards\u2122 Mastercard<sup>&reg;<\/sup><\/a> charges <strong>no annual fee<\/strong>.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579508645{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Draw&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; css=&#8221;&#8221; el_id=&#8221;draw&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>This category is definitely a tie, with both cards providing access to their rewards and benefits for <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/no-fee\/\">no annual fee<\/a>.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='page'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_page container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"page_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"207264\"\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 el_id=&#8221;Earning Points&#8221;][vc_column][vc_custom_heading text=&#8221;Earning Points&#8221; el_id=&#8221;earning_points&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The\u00a0<a title=\"CIBC Adapta&lt;sup&gt;TM&lt;\/sup&gt; Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-adapta-mastercard\/\" rel=\"noindex\">CIBC Adapta\u2122 Mastercard<sup>&reg;<\/sup><\/a> and the\u00a0<a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/smart-rewards-mastercard-capital-one\/\">Capital One Smart Rewards\u2122 Mastercard<sup>&reg;<\/sup><\/a> have considerably different earning rates, and, in fact, they both earn points in fairly unique ways.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Accumulation Rates and Methods&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;accumulation_rates_and_methods&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;445157&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The\u00a0<a title=\"CIBC Adapta&lt;sup&gt;TM&lt;\/sup&gt; Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-adapta-mastercard\/\" rel=\"noindex\">CIBC Adapta\u2122 Mastercard<sup>&reg;<\/sup><\/a> offers an adaptable earning structure (hence the card&#8217;s name) that gives you an elevated earning rate of <strong>1.5 Adapta Points per $1 spent on your top 3 spending categories.<\/strong><\/p>\n<p>Additionally, you <strong>earn 1 Adapta Point per $1 spent on all other purchases<\/strong>.<\/p>\n<p>This bonus of 50% more points in your top 3 spending categories is determined each month based on how much you spend in the following 12 categories:<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 33.3333%; text-align: center;\">Pet Stores<\/td>\n<td style=\"width: 33.3333%; text-align: center;\">Clothing<\/td>\n<td style=\"width: 33.3333%; text-align: center;\">Entertainment<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%; text-align: center;\">Health and beauty<\/td>\n<td style=\"width: 33.3333%; text-align: center;\">Electronics<\/td>\n<td style=\"width: 33.3333%; text-align: center;\">Hotels and motels<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%; text-align: center;\">Grocery and drug stores<\/td>\n<td style=\"width: 33.3333%; text-align: center;\">Dining and drinks<\/td>\n<td style=\"width: 33.3333%; text-align: center;\">E-games and subscriptions<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%; text-align: center;\">Transit and parking<\/td>\n<td style=\"width: 33.3333%; text-align: center;\">Home improvements<\/td>\n<td style=\"width: 33.3333%; text-align: center;\">Gas and EV<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This adaptive earning structure makes sure that you&#8217;re taking home the most number of points possible each month based on your spending.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\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-h 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=\"447433\"\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_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;394460&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/smart-rewards-mastercard-capital-one\/\">Capital One Smart Rewards\u2122 Mastercard<sup>&reg;<\/sup><\/a>, you don&#8217;t earn rewards when you make a purchase \u2014 instead, you <strong>earn 5 points per $1 that you pay towards your credit card balance<\/strong>.<\/p>\n<p>This one-of-a-kind structure is designed to reward you for paying your credit card bill and to help you build good financial habits.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\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-h 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=\"470088\"\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_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579508645{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Draw&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;draw-1&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>We&#8217;re calling this category a draw since each card offers an entirely unique way of earning points, and each rewards program is attractive in its own way.<\/p>\n<p>The\u00a0<a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/smart-rewards-mastercard-capital-one\/\">Capital One Smart Rewards\u2122 Mastercard<sup>&reg;<\/sup><\/a>\u00a0may be most appealing for someone looking to improve their financial habits, <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/improve-your-credit-score\/\">improve their credit score<\/a>, or <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/best-credit-cards-to-build-credit-history\/\">build their credit history<\/a>.<\/p>\n<p>Comparatively, the\u00a0<a title=\"CIBC Adapta&lt;sup&gt;TM&lt;\/sup&gt; Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-adapta-mastercard\/\" rel=\"noindex\">CIBC Adapta\u2122 Mastercard<sup>&reg;<\/sup><\/a> is a good choice for someone who&#8217;s spending tends to change month to month and who likes the ease of using only one card but still maximizing their rewards.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m'\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--m container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"116403,210569,453543\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row el_id=&#8221;use&#8221;][vc_column][vc_custom_heading text=&#8221;Redeeming Points&#8221; el_id=&#8221;redeeming_points&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The two cards that we&#8217;re comparing both use a different rewards system and so both have different redemption options:<\/p>\n<p>The <a title=\"CIBC Adapta&lt;sup&gt;TM&lt;\/sup&gt; Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-adapta-mastercard\/\" rel=\"noindex\">CIBC Adapta\u2122 Mastercard<sup>&reg;<\/sup><\/a> earns <strong>CIBC&#8217;s Adapta Points<\/strong>, and\u00a0the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/smart-rewards-mastercard-capital-one\/\">Capital One Smart Rewards\u2122 Mastercard<sup>&reg;<\/sup><\/a> earns <strong>Capital One rewards points<\/strong>.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Redeeming Points&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;redeeming_points-1&#8243;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;445157&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The CIBC Adapta Points that you earn with your\u00a0<a title=\"CIBC Adapta&lt;sup&gt;TM&lt;\/sup&gt; Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-adapta-mastercard\/\" rel=\"noindex\">CIBC Adapta\u2122 Mastercard<sup>&reg;<\/sup><\/a> can be redeemed two ways:<\/p>\n<ul>\n<li><strong>1,500 Adapta Points = $10 statement credit<\/strong> toward purchases made on the card<\/li>\n<li><strong>1,200 Adapta Points = $10 payment\/contribution<\/strong> towards eligible CIBC financial products, including your TFSA, RRSP, mortgage or line of credit<\/li>\n<\/ul>\n<p>Based on these options, Adapta Points offer <strong>value that ranges from 0.67 cents to 0.83 cents each<\/strong>.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;394460&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Similarly to its competitor, the\u00a0<a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/smart-rewards-mastercard-capital-one\/\">Capital One Smart Rewards\u2122 Mastercard<sup>&reg;<\/sup><\/a> offers only a couple ways to redeem your Capital One rewards points:<\/p>\n<ul>\n<li>gift cards<\/li>\n<li>account credits<\/li>\n<li>additional special offers that can be found on the website<\/li>\n<\/ul>\n<p>The value of Capital One rewards points vary depending on the redemption option you choose, and the full rates are only available to <a target=\"_blank\" href=\"https:\/\/www.capitalone.ca\/credit-cards\/smart-rewards-mastercard\/\">Capital One customers through their accounts<\/a>.<\/p>\n<p>That said, you can expect a value in the range of <strong>20,000 points = $25 gift card<\/strong>.<\/p>\n<p>&nbsp;<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579610554{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: CIBC Adapta&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; css=&#8221;&#8221; el_id=&#8221;advantage_cibc_adapta&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The\u00a0<a title=\"CIBC Adapta&lt;sup&gt;TM&lt;\/sup&gt; Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-adapta-mastercard\/\" rel=\"noindex\">CIBC Adapta\u2122 Mastercard<sup>&reg;<\/sup><\/a> wins this category because of its simple and transparent redemption options.<\/p>\n<p>Unfortunately, it&#8217;s difficult to clearly compare the two cards in terms of redemption value since the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/smart-rewards-mastercard-capital-one\/\">Capital One Smart Rewards\u2122 Mastercard<sup>&reg;<\/sup><\/a> doesn&#8217;t provide sufficient information on possible redemptions until you&#8217;re a customer.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Insurance&#8221;][vc_column][vc_custom_heading text=&#8221;Insurance and Other Benefits&#8221; css=&#8221;&#8221; el_id=&#8221;insurance_and_other_benefits&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;445157&#8243; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The\u00a0<a title=\"CIBC Adapta&lt;sup&gt;TM&lt;\/sup&gt; Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-adapta-mastercard\/\" rel=\"noindex\">CIBC Adapta\u2122 Mastercard<sup>&reg;<\/sup><\/a> also comes with the following benefits and insurance coverages:<\/p>\n<ul>\n<li>Roadside assistance<\/li>\n<li>Purchase security and <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/extended-warranty-credit-cards\/\">extended warranty<\/a> insurance<\/li>\n<li>12-month free trial of Skip+ (plus additional savings)<\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/best-credit-cards-gas\/\">Save up to 10 cents per litre on gas<\/a> when you link your card with your Journie Rewards account<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;394460&#8243; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/smart-rewards-mastercard-capital-one\/\">Capital One Smart Rewards\u2122 Mastercard<sup>&reg;<\/sup><\/a>, you can enjoy the following perks and insurance coverage:<\/p>\n<ul>\n<li>Purchase protection and extended warranty<\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/theft-damage-car-rental-credit-cards\/\">Car rental collision\/loss damage waiver insurance<\/a><\/li>\n<li>Price protection service<\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/travel-insurance-credit-cards\/\">Common carrier travel accident insurance<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/baggage-loss-rights-compensations\/\">Baggage delay<\/a> insurance<\/li>\n<li>Access to Credit Keeper feature to track your <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/101-credit-score\/\">credit score<\/a> for free<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='6'\n\t\t\t\tclass='deferred_container--preload container_post container_template--m container_count--6 container_count--lots'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"86318,132067,192394,116748,247858,194696\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579610554{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: Capital One Smart Rewards Mastercard&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; css=&#8221;&#8221; el_id=&#8221;advantage_capital_one_smart_rewards_mastercard-1&#8243;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/smart-rewards-mastercard-capital-one\/\">Capital One Smart Rewards\u2122 Mastercard<sup>&reg;<\/sup><\/a> takes this category thanks to its longer list of perks and benefits, which include higher-value items like travel insurance and car rental insurance.<\/p>\n<p>This card also helps make sure your purchases are safe, offering purchase protection, extended warranty, price protection services, and more.<\/p>\n<p>[\/vc_column_text][\/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>Okay, so based on our above comparisons, which of these two cards is the best?<\/p>\n<p>Well, given how similar these cards are in terms of accessibility, earning opportunities, and benefits, choosing the best card ultimately comes down to individual taste and priorities.<\/p>\n<p>For example, which earning structure do you prefer? \u2014 Do you prefer to earn points on your purchases or when you make payments?<\/p>\n<p>Also, there&#8217;s a fairly different focus when it comes to the benefits provided by each card. While the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/smart-rewards-mastercard-capital-one\/\">Capital One Smart Rewards\u2122 Mastercard<sup>&reg;<\/sup><\/a> provides better insurance coverage, the\u00a0<a title=\"CIBC Adapta&lt;sup&gt;TM&lt;\/sup&gt; Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/cibc-adapta-mastercard\/\" rel=\"noindex\">CIBC Adapta\u2122 Mastercard<sup>&reg;<\/sup><\/a> has some valuable perks for drivers like roadside assistance and savings on gas.<\/p>\n<p>It&#8217;s also difficult to do an accurate comparison given that Capital One doesn&#8217;t clearly state their redemption rates. This lack of information makes it difficult to gauge value and compare it to the transparent value offered by Adapta Points.<\/p>\n<p>All this said, ultimately, the choosing the best card from these two will depend on which one you qualify for, which style of points you prefer, and which perks work best for your lifestyle.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"445152,394481\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-3\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card 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