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Mr. Loonie
CIBC Adapta™ Mastercard®

CIBC Adapta™ Mastercard®

7.1
Good
Expert Score · 2 reviews How we score

Best for: People who want points that follow their top spending categories with no annual fee

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
Yours:
Your own amounts, saved on this device only
Points you’d earn
34,800
points in the first year. We haven’t set a dollar value for them yet.
See how we worked it out
Welcome offer you’d get
3,000 points
The full offer. Up to 3,000 points.
Annual fee
None
Apply now on CIBC’s site (opens in a new tab)
Needs $50,000 personal or $15,000 household income
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from CIBC’s site. Banks can update terms at any time, so give them a quick look before you apply. Source

Is it for me? What you’d earn Welcome offer Can I get it? Fees Similar cards
2 quick questions

Is it for me?

Is your personal income $50,000 or more, or your household’s $15,000 or more?

Do you pay your card off in full most months?

Answer the 2 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: 2 points per $1 on travel
  • Good: No annual fee It costs nothing to keep.
  • Good: Welcome offer up to 3,000 points

Watch for

  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With typical spending of $2,500 a month.

We haven’t set a value for points yet, so the bars show points.

  • Groceries 9,600
    1 point per $1 $800 a month · 9,600 points a year
  • Restaurants 3,000
    1 point per $1 $250 a month · 3,000 points a year
  • Gas 3,000
    1 point per $1 $250 a month · 3,000 points a year
  • Recurring bills 3,000
    1 point per $1 $250 a month · 3,000 points a year
  • Travel 3,600
    2 points per $1 $150 a month · 3,600 points a year
  • Everything else 7,800
    1 point per $1 $650 a month · 7,800 points a year
  • Foreign currency 1,800
    1 point per $1 $150 a month · 1,800 points a year
What counts in each category
Travel
2 points per $1 Booked through CIBC by Expedia
Everything else (base rate)
1 point per $1 1.5 points per $1 in your top 3 spending categories each month
  • Earn 1.5 points for every $1 spent in your top 3 spending categories each month
    • 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

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Welcome offer

Can your spending get the offer?

At $2,500 a month, here’s when you’d reach each step.

  1. 1

    3,000 points

    Spend $1,000 in your first 4 months.

    You’d reach it in month 1.

    • On purchases during the first 4 monthly statement periods
    • Get 3000 points and Roadside Assistance after you make your first purchase within the first 4 months

Offer end date not published.

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Personal income $50,000 or more Issuer says
  • Household income $15,000 or more Issuer says
  • Newcomer program CIBC newcomer offer No credit history or security deposit needed. Limit up to $15,000 on your first card when you bank with CIBC. Apply in a branch with your immigration documents.
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Checked on Nov 8, 2026. Source

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What critics say

Other reviewers on this card

7.1
Good
Expert Score How we score
  • Milesopedia (opens in a new tab) May 2025

    “The CIBC Adapta Mastercard is a nice option if your spending habits tend to be fairly different each month. It can also be a good choice if you don’t often spend in categories that typically offer elevated earning rates, like groceries, gas, and dining out. While the earning rates aren’t amazing, the fact that it adapts to your spending each month is pretty neat and has potential to be very helpful. Plus with no annual fee and a low minimum income requirement, the CIBC Adapta Mastercard is quite accessible.”

  • Money.ca (opens in a new tab) May 2025
    6

    “The CIBC Adapta™ Mastercard® stands out thanks to its unique approach to rewards. The card's innovative feature — automatically adjusting to provide 50% more points in your top spending categories each month — maximizes rewards without requiring any manual tracking or management. While the redemption value (approximately 0.67 to 0.83 cents per point) isn't the highest available in Canada, the included roadside assistance ($50 value) and accessible welcome bonus provide substantial added value. This means the card proves particularly useful for shoppers with differing spending habits, as it allows them to shop without needing to actively monitor categories or manage their rewards strategy.”

What cardholders say

Ratings from people with this card

No ratings yet. If you have this card, tell others what it’s like.

Applied and weren’t approved?

Insurance and perks

What comes with it

  • Extended warranty Included
  • Purchase protection Included
  • Roadside Assistance
  • Save up to 10 cents per litre on gas
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read CIBC’s insurance certificate before you count on any coverage.

Not included

Not listed for this card: travel medical, trip cancellation, trip interruption, flight delay, lost baggage, car rental damage and mobile device.

Fees and interest

What it costs

Annual fee
None
Purchase interest
21.99%
Cash advance interest
22.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
None
Cash advance fee
$5.00
Balance transfer fee
$5.00, Maximum
Over-limit fee
$29
Late payment fee
None
Source
Issuer page

Interest rates

Balance transfer interest
22.99%
Source
Issuer page

Province differences

Quebec
Balance transfer rate: 21.99%. Cash advance rate: 21.99%.

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With typical spending. This card: — year one, — every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the CIBC Adapta™ Mastercard®?

There is no annual fee.

How much is the CIBC Adapta™ Mastercard® welcome offer worth?

3,000 points after you spend $1,000 in the first 4 months.

What income do I need?

CIBC asks for $50,000 in personal income.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

21.99% on purchases. Cash advances are 22.99%.

Does it include insurance?

It lists extended warranty and purchase protection. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

34,800
points
Apply now on CIBC’s site (opens in a new tab)
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