CIBC Adapta™ Mastercard®
CIBC · MASTERCARD
The CIBC Adapta™ Mastercard® is a credit card from CIBC on the MASTERCARD network. It has an annual fee of C$0. It earns 2x on travel, 1x on everything else. The welcome offer is Join and earn up to $100 in value† with no annual fee.
Key facts
- Annual fee
- C$0
- Purchase APR
- 21.99%
- Network
- MASTERCARD
- Welcome offer
- Join and earn up to $100 in value† with no annual fee
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Travel | 2x | 2x on eligible travel purchases made through cibc by expedia |
| Everything else | 1x | 1x on all other purchases |
Benefits and perks
- Get the card that automatically rewards you with bonus points in your top 3 spend categories each month, with no annual fee.
- 1.5 Adapta points per $1 spent in your top 3 spend categories; or
- 2 Adapta points per $1 spent on eligible travel purchases made through CIBC by Expedia; or
- 1 Adapta point per $1 spent on all other purchases
- Includes membership to roadside assistance, with access to services such as towing, battery boosting, gas delivery and much more
Rates and fees
Annual membership fee: C$0. Purchase APR: 21.99%, based on creditworthiness and the Prime Rate. Cash advance APR: 22.99%.
Rates and fees as published by the issuer and recorded on 9 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the CIBC Adapta™ Mastercard®
What is the annual fee on the CIBC Adapta™ Mastercard®?
The CIBC Adapta™ Mastercard® has an annual fee of C$0.
What rewards does the CIBC Adapta™ Mastercard® earn?
The CIBC Adapta™ Mastercard® earns 2x on travel, 1x on everything else.
Is the CIBC Adapta™ Mastercard® worth it?
The CIBC Adapta™ Mastercard® is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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