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CIBC Adapta Mastercard review

3.4Rated by the CreditCardGuru Editorial Team

A clever no-fee card that automatically bonuses whatever you spend most on, with roadside assistance as the standout perk — but modest point value caps its earning power.

At a glance

Annual fee
No annual fee
Welcome bonus
~$100
Foreign tx fee
2.5%
Network
MASTERCARD
Rewards
points
Purchase APR
21.99%

Rewards & earn rates

Top 3 spend categories each month (auto-detected from 12 categories)1.5x
Travel via CIBC by Expedia2x
All other purchases1x

Welcome offer: Up to $100 in value: up to 6,000 Adapta points plus complimentary roadside assistance membership ($50 value) (3,000 points after first purchase; 3,000 points after $1,000 spend in first 4 statement periods).

Pros & cons

Pros

  • Adaptive top-category bonus requires zero planning
  • Free roadside assistance is unique for a no-fee card

Cons

  • Points worth only about 0.67 cents each toward your balance
  • No purchase or travel insurance listed

Perks & insurance

Key perks

  • Automatically earns bonus points in your top 3 spend categories every month
  • Complimentary roadside assistance membership (towing, battery boost, gas delivery)
  • 1,500 points = $10 toward your balance; 1,200 points = $10 toward select CIBC financial products
  • Up to 10 cents off per litre with Journie Rewards
  • No annual fee for up to 3 additional cards

Insurance

    Rates & fees

    Annual fee
    None
    Purchase interest
    21.99%
    Cash advance
    22.99%
    Foreign transactions
    2.5%
    Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team

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