CIBC Adapta Mastercard
Skip for nowWhat the roles mean
- A no-fee CIBC Mastercard that picks your bonus categories for you: 1.5 points per $1 in your top 3 each month
"Join and earn up to $200 in value with no annual fee." For new cards approved beginning October 1, 2026 (footnote adapta-100-value-offer, last modified September 22, 2026). No end date.
Checked on CIBC's own page October 23, 2026. See CIBC's page
What it earns in a year
40,500 points a year
Worth about $270 at the simplest redemption, up to $337 at the best.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Travel (Travel booked through CIBC by Expedia only): 2× points.
- Groceries (1.5 points per $1 in your top 3 spend categories each statement period; bonus stops after $40,000 of total purchases a year): 1.5× points.
- Gas / EV (1.5 points per $1 in your top 3 spend categories each statement period; bonus stops after $40,000 of total purchases a year): 1.5× points.
- Dining & restaurants (1.5 points per $1 in your top 3 spend categories each statement period; bonus stops after $40,000 of total purchases a year): 1.5× points.
- Drugstore / pharmacy (Drug stores share the Grocery and Drug Stores category): 1.5× points.
- Everything else: 1× points.
Highlighted = use this card here.
Using your points
On the spending above, 40,500 points a year: worth $270 the easy way, $337 the best way.
- Easy way (0.667¢): Toward your balance or a recent purchase: 1,500 points = $10
- Best way (0.833¢): Toward some CIBC financial products: 1,200 points = $10
How to apply for the CIBC Adapta Mastercard
Check first
- Not if you opened, transferred or cancelled another Adapta card in the last 12 months: no welcome offer
- Check you qualify No minimum income listed. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on CIBC's own site Apply online from the bank's product page, where the offer above is shown. This isn't an affiliate link: we earn nothing if you apply.Apply on CIBC's site →
- After you're approved Put the spending needed for the welcome offer on the card before the deadline, and pay the full balance every month.
How to use it
- Nothing to set up: each statement, CIBC pays 1.5 points per $1 in your 3 biggest of 12 categories (groceries and drugstores, dining, gas and EV, transit and parking, entertainment, subscriptions, pets, home improvement, electronics, clothing, health and beauty, hotels)
- Everything else: 1 point per $1. A 1.5% or 2% cash-back card does better
- Travel booked through CIBC by Expedia: 2 points per $1
- Redeem: toward a CIBC financial product if you have one (1,200 points = $10); on the card balance it is 1,500 points = $10
- Example: $800/month groceries + $250 gas + $250 dining at 1.5 + $700 other at 1 = 31,800 points = $212 a year on the balance, $265 into a CIBC product
Key facts
- Annual fee
- $0
- Purchase interest
- 21.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- None published
- Min. household income
- $15,000
- Rewards
- CIBC AdaptaSee every CIBC Adapta card
Annual fee waiver
- No annual fee
From cibc.com product page, checked October 23, 2026. Not an affiliate link.
More CIBC cards
CIBC Aeroplan VisaNo annual fee
CIBC Aeroplan Visa Infinite$139 fee
CIBC Aeroplan Visa Infinite Privilege$599 fee
CIBC Aventura VisaNo annual fee
CIBC Aventura Visa Infinite$139 fee
CIBC Aventura Gold Visa$139 fee
CIBC Aventura Visa Infinite Privilege$499 fee
CIBC Dividend VisaNo annual fee
CIBC Costco MastercardNo annual fee
CIBC Dividend Visa Infinite$120 fee
CIBC Dividend Platinum Visa$99 fee
Neo World Elite Mastercard
- This card: dining & restaurants, travel, drugstore / pharmacy
- Neo World Elite Mastercard: groceries, gas / ev, bills & subscriptions, transit, entertainment, everything else
- Together: $711 a year after both fees, vs $270 with this card alone
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, bills & subscriptions, transit, entertainment, everything else makes it $896 a year. Costco and Loblaw-banner grocers don't take Amex.
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- No annual fee, $0 for up to 3 extra cards
- Top 3 categories chosen automatically each month
- Year one: 6,000 points (3,000 on first purchase, 3,000 for $1,000 in 4 statements) = $40–$50
- Roadside assistance and a free Skip+ membership included
- Income bar is only $15,000 household
- Mastercard: works at Costco
Cons
- Points are worth 0.67¢ on your balance, so 1.5 points is 1% back and 1 point is 0.67%
- CIBC's "up to $200" counts Skip+ ($110) and roadside ($50); the actual bonus is $40–$50
- Bonus points stop after $40,000 of total spending a year
- Cents don't earn: $9.99 earns 9 points
- Points are lost 60 days after you close the card
- No travel, rental car or phone insurance
- 2.5% on foreign-currency purchases
Insurance included
- Purchases: 90 days of theft/damage cover, +1 year warranty
- Travel, rental car, phone: none
Maximums as CIBC lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Roadside assistance: towing, battery boost, gas delivery (Dominion Automobile Association), primary cardholder
- Skip+: free membership when you link the card, $0 delivery fees, $10 monthly voucher
- Journie Rewards: up to 10¢/litre at participating gas stations
- Disney+: 50% off Standard with Ads for 6 months
Other cards for groceries
Back a year on $9,600 of groceries, caps included. Points at best-case value. Before annual fees.
| Card | Earns on groceries | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $960 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 6× points | $576 | $120 | November 2, 2026 |
| Neo World Elite Mastercard | 5% back | $480 | $149 | October 21, 2026 |
| National Bank World Elite Mastercard | 5× points | $480 | $150 | October 21, 2026 |
| Desjardins Cash Back World Elite Mastercard | 4% back | $384 | $100 | October 23, 2026 |
| SimplyCash Preferred | 4% back | $384 | $120 | October 21, 2026 |
| CIBC Adapta Mastercard | 1.5× points≈ 1.2% in value | $120 | $0 | October 23, 2026 |
Other cards for gas / ev
Back a year on $3,000 of gas / ev, caps included. Points at best-case value. Before annual fees.
| Card | Earns on gas / ev | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| SimplyCash Preferred | 4% back | $120 | $120 | October 21, 2026 |
| Amex Cobalt | 2× points≈ 4.0% in value | $120 | $192 | October 21, 2026 |
| Amex Gold Rewards | 2× points≈ 4.0% in value | $120 | $250 | October 21, 2026 |
| CIBC Aventura Visa Infinite Privilege | 2× points≈ 4.0% in value | $120 | $499 | October 21, 2026 |
| CIBC Dividend Visa Infinite | 4% back≈ 3.9% in value | $118 | $120 | October 21, 2026 |
| BMO eclipse Visa Infinite | 5× points≈ 3.4% in value | $101 | $120 | October 21, 2026 |
| CIBC Adapta Mastercard | 1.5× points≈ 1.2% in value | $37 | $0 | October 23, 2026 |
Other cards for dining & restaurants
Back a year on $3,000 of dining & restaurants, caps included. Points at best-case value. Before annual fees.
| Card | Earns on dining & restaurants | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $300 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 5× points | $150 | $120 | November 2, 2026 |
| National Bank World Elite Mastercard | 5× points | $150 | $150 | October 21, 2026 |
| Simplii Cash Back Visa | 4% back | $120 | $0 | October 21, 2026 |
| RBC British Airways Visa Infinite | 2× points≈ 4.0% in value | $120 | $165 | October 23, 2026 |
| Desjardins Odyssey Visa Infinite Privilege | 4% back | $120 | $395 | October 21, 2026 |
| CIBC Adapta Mastercard | 1.5× points≈ 1.2% in value | $37 | $0 | October 23, 2026 |
How the offer has changed
One row per check of CIBC's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| October 23, 2026 | 3,000 Adapta Points after first purchase + 3,000 Adapta Points for $1,000 in the first 4 monthly statement periods (each "up to $25 value"), plus free Skip+ membership (first-year value $110) and Roadside Assistance ($50 value). "Up to $200 in value." For approvals beginning October 1, 2026First row (card added to the library). 6,000 pts = $40 on the card balance or $50 toward CIBC products. Footnote components add to $210 and also mention a recurring-bill 3,000-point bonus not shown on the page. Not eligible if another Adapta card opened, transferred or cancelled in last 12 months | $0 (primary and up to 3 AUs) | none stated |
General information, not financial advice. Offers change; confirm on CIBC's page before you apply.