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CIBC Adapta Mastercard
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CIBC Adapta Mastercard

3.4

Welcome bonus

Up to 6,000 points

  • 1.5x top 3 spend categories each month (auto-detected from 12 categories)
  • 2x travel via cibc by expedia
  • 1x all other purchases
Annual fee
No annual fee
Interest rates

Purchases

21.99%

Cash advances

22.99%

Foreign transactions
2.5%

Rated 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 6,000 points (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
    Terms & conditions

    Rates and offers change. Every rate, fee, welcome offer and benefit on this page was accurate when last reviewed, but CIBC can change or withdraw any of them at any time — sometimes without notice. Confirm the current terms on CIBC's own website before you apply.

    Eligibility is theirs to decide. Approval, credit limits, interest rates and welcome offers depend on your credit history and CIBC's own criteria. Bonuses often exclude anyone who has held the card before, and usually require a minimum spend within a set period.

    This is not advice. The reviews and ratings here are our editorial opinion, not financial, tax or legal advice, and not a recommendation for your circumstances. Speak to a qualified professional before making a financial decision.

    How we make money. CreditCardGuru may earn a commission when you apply through links on this page. It never affects our ratings or what we write — see our advertiser disclosure and rating methodology.

    CreditCardGuru is not affiliated with CIBC. Trademarks belong to their respective owners.

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    Disclaimer: This page is for informational purposes only and does not constitute financial, tax or legal advice. Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions. CreditCardGuru may earn a commission from cards featured on this site; this never influences our editorial ratings. See our advertiser disclosure.

    Written by

    CreditCardGuru Editorial Team

    Rewards & Cards Research

    Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.

    • 200+ Canadian cards tracked
    • Transparent rating methodology
    • Updated continuously

    Cite this page

    “CIBC Adapta Mastercard Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/cibc-adapta-mastercard, updated June 7, 2026.

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