CIBC AdaptaTM Mastercard® 

Welcome Bonus
6,000 Adapta Points
  • $0 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)

CIBC AdaptaTM Mastercard®
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:

Get up to 6,000 Adapta points during your first year (up to $50 in value) :

  • 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)

Adapta points accumulation

  • Earn 1.5 Adapta points for every dollar you spend in your top 3 spend categories each month.
  • Earn 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

Benefits

  • Roadside assistance for primary cardholders. Offered by Dominion Automobile Association (DAA), you’ll get access to services such as towing, battery boosting, gas delivery and much more.
  • Save up to 10 cents per litre on gas. Get a discount every time you fill up at participating gas stations when you link your Adapta Mastercard with Journie Rewards™.

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 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

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

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