Pros & Cons
Pros
- +Welcome Bonus: 6,000 points
- +Purchase protection included
- +No annual fee
Cons
- –Foreign Transaction Fee (2.5%)
Our Review
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.
Rewards
All Spending
1x
Adapta pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
30,000
Adapta/yr
Estimated Value
$300
After Fees
+$300
1st Year Value
$360
incl. welcome bonus
Annual rewards breakdown
- Earn 3,000 Adapta
- Earn 3,000 Adapta after $1,000 in purchases within the first 4 months
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Fees and interest rates
- Annual Fee$0
- Additional card fee$0
- Foreign currency conversion fee2.5%
- Purchase Rate21.99%
- Balance transfer rate22.99%Quebec21.99%
- Cash advance rate22.99%Quebec21.99%
Eligibility
Personal Income
$15,000
Household Income
$15,000
Terms & Conditions
Card Features
Offre de bienvenue : Demandez une carte et obtenez une valeur pouvant aller jusqu’à 200 $†, sans frais annuels†.
Here’s how it adds up:
- Recevez une prime de bienvenue de 3 000 Points Adapta après votre premier achat (une valeur pouvant atteindre 25 $)†
- Obtenez 3 000 Points Adapta si vous dépensez 1 000 $ pendant la période couverte par vos 4 premiers relevés mensuels (une valeur pouvant atteindre 25 $)†
- Adhésion à Skip+ en tant que titulaire de carte CIBC (valeur de 110 $)†
- Comprend l’adhésion à l’assistance routière† après votre premier achat. Les services comprennent le survoltage de la batterie, la livraison d’essence, le remorquage et plus encore, offerts par l’Association de l’Automobile Dominion (une valeur de 50 $)†
Comment fonctionnent les Points Adapta?
Each month, you’ll automatically earn:
- 1.5 Adapta points for every dollar you spend in your top 3 spend categories.†; or
- 2 Adapta points for every dollar you spend on eligible travel purchases made through CIBC by Expedia†; or
- 1 Adapta point for every dollar you spend on all other purchases.†
Quelle est la valeur des Points Adapta?
- 1,500 Adapta points are worth $10 when redeemed towards your credit card balance or a recent purchase.†
- 1,200 Adapta points are worth $10 when redeemed towards select CIBC financial products.†
Obtenez une adhésion gratuite à Skip+ quand vous liez votre carte de crédit CIBC admissible
De plus, profitez de la livraison gratuite et obtenez un bon mensuel de 10 $†.
Faites le plein à moindre coût
Économisez jusqu’à 10 cents le litre aux stations-service participantes de Pioneer, Fas Gas, Ultramar et Chevron lorsque vous liez votre carte avec Récompenses Journie†.
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.
Related Cards
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. RedFlagDeals may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 CIBC. All trademarks are property of their respective owners.









