CIBC Adapta Mastercard
MASTERCARDNo annual fee rewards
CIBC Adapta Mastercard
6.4Canada Cards ScoreGoodWelcome bonus
6,000 pts
Get up to 6,000 Adapta points during your first year (up to $50 in value)
Why get this card
- ✓No annual fee
- ✓Earn 1.5x on top 3 spend categories each month (automatic)
Pros
- +No annual fee
Cons
- -No insurance coverages captured
Earn rates
- top 3 spend categories each month (automatic)1.5x
per $1 spent
Welcome offer
Get up to 6,000 Adapta points during your first year (up to $50 in value)
- Bonus points
- 6,000
- Minimum spend
- —
- Spend window
- —
- Offer ends
- —
Welcome Bonus of 3,000 Adapta Points after first purchase (up to $25 value); additional points earned during first year for up to 6,000 total (up to $50 value)
Is this a record high? See the bonus history →Fees
- Annual fee
- No fee
- Additional card
- No fee
- Foreign transaction fee
- —
no annual fee
Interest rates
- Purchase APR
- —
- Cash advance APR
- —
- Balance transfer APR
- —
- Grace period
- —
- Rate effective date
- —
Benefits & insurance
- Lounge access
- —
- Insurance coverages
- —
Redemption & eligibility
- Reward currency
- Adapta points
- Redemption options
- merchandise, gift cards, travel
- Transfer partners
- —
- Min. personal income
- —
- Min. household income
- $15,000
Minimum annual household income of $15,000 is required to qualify for the CIBC Adapta Mastercard
How we scored it
6.4Good- Everyday earn rateWeight 30
1.5x on top 3 spend categories each month (automatic)
- Welcome valueWeight 25
No current welcome offer
- Annual-fee valueWeight 20
No annual fee
- Benefits depthWeight 15
0 insurance coverages
- Interest costWeight 10
Rate not published
Our editorial rating, computed only from sourced figures. See the full methodology.
Compare with similar cards
Learn before you apply
Frequently asked
- Is the CIBC Adapta Mastercard worth it?
- It carries a No fee annual fee. No annual fee. Compare it against similar cards below before deciding.
- What is the annual fee and interest rate on the CIBC Adapta Mastercard?
- The annual fee is No fee. The purchase interest rate is — and the cash advance rate is —. These are sourced from CIBC's official page.
- What rewards does the CIBC Adapta Mastercard earn?
- It earns up to 1.5x on top 3 spend categories each month (automatic), in Adapta points. See the full earn-rate breakdown above.
More ways to compare
Official sources
Every figure on this page comes from CIBC's own pages. Last checked 2026-06-13.
Cited, never sponsored
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