Canada · personal card · CIBC
CIBC Adapta Mastercard review
Earns 1.5 Adapta points per $1 in your top three spend categories each month, 2 points per $1 on travel via CIBC by Expedia, and 1 point per $1 on everything else.
Key facts
- Issuer
- CIBC
- Network
- Mastercard
- Annual fee
- $0
- Welcome offer
- Join and earn up to $200 in value; includes 3,000 Adapta points at $1,000 spend in first 4 statements and roadside assistance membership
- Foreign transaction fee
- 2.5%
- Minimum personal income
- Not stated
- Minimum household income
- $15,000
- Available in Quebec
- Yes
- Est. net value / yr
- $280 ($280 rewards − $0 fee)
- Points value
- CIBC Adapta at 0.83¢ CAD each
Rewards
Earns 1.5 Adapta points per $1 in your top three spend categories each month, 2 points per $1 on travel via CIBC by Expedia, and 1 point per $1 on everything else.
Earn rates the issuer states: base 1 pts · travel 2 pts. 1.5 points apply in your top 3 spend categories each month
Perks
Roadside assistance membership; free Skip+
How we put this page together
Every figure here was read on CIBC’s own page on October 7, 2026; fields the page did not state are shown as “not stated” rather than estimated. The net value estimate uses the method on our Canada methodology. Card rules and your rights as a cardholder: FCAC. Note: Purchase/cash APR not shown in static HTML (page placeholder filled by script) so left null. FX fee not stated. New program key cibc_adapta. Total bonus points not stated as one figure. FX fee read on issuer document: https://www.cibc.com/content/dam/cibc-public-assets/personal-banking/credit-cards/documents/cibc-creditcard-annual-interest-rate-fees-11995-en.pdf
Frequently asked questions
What is the annual fee on the CIBC Adapta Mastercard?
$0, as read on CIBC’s website on October 7, 2026.
Is there a foreign transaction fee on the CIBC Adapta Mastercard?
The issuer states a 2.5% foreign currency conversion fee.
What income do I need for the CIBC Adapta Mastercard?
The issuer states a minimum household income of $15,000.
More CIBC cards
Earns 1.5 Adapta points per $1 in your top three spend categories each month, 2 points on travel via CIBC by Expedia, and 1 point per $1 on everything else.
Earn: base 1 pts · travel 2 pts
- Annual fee
- $0
- Est. net value / yr
- $280
- Welcome offer
- Join and earn up to $280 in value with no annual fee
- Foreign transaction fee
- 2.5%
Earn 1 Aeroplan point per $1 on Air Canada, gas, EV charging, groceries and all other purchases; earn points twice at Aeroplan partners.
Earn: base 1 pts · groceries 1 pts · gas 1 pts · travel 1 pts
- Annual fee
- $0
- Est. net value / yr
- $642
- Welcome offer
- Up to 10,000 Aeroplan points: 2,500 on first purchase, 2,500 at $1,500 in 4 statements, 5,000 anniversary bonus at $10,000 in 12 statements
- Foreign transaction fee
- 2.5%
Earn 2 Aeroplan points per $1 on Air Canada and Hyatt, 1.5 on travel, transportation, dining, shipping, internet, cable and phone, and 1 on other purchases.
Earn: base 1 pts · dining 1.5 pts · travel 2 pts
- Annual fee
- $180 (First year rebated; additional cards $50 each (up to 9))
- Est. net value / yr
- $577
- Welcome offer
- Up to $2,600 in value including up to 75,000 Aeroplan points
- Purchase rate
- As low as 12.99%
- Foreign transaction fee
- 2.5%
Earn 2 Aeroplan points per $1 on Air Canada and Hyatt, 1.5 on travel, transportation, dining, shipping, internet, cable and phone, and 1 on other purchases.
Earn: base 1 pts · dining 1.5 pts · travel 2 pts
- Annual fee
- $139
- Est. net value / yr
- $618
- Welcome offer
- Up to $2,500 in value including up to 75,000 Aeroplan points
- Purchase rate
- 20.99%
- Foreign transaction fee
- 2.5%
Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.