CIBC
CIBC Adapta Mastercard
A card that adapts to you - earn 1.5x points automatically in your top 3 spending categories every month, with no annual fee. No categories to pick and no earn caps to track.
Starting an application here does not affect your credit score. A credit check happens only when the issuer takes it further.
Annual fee
$0
Purchase rate
21.99% (purchases)
FX fee
Not stated by issuer
Grace period
Not stated by issuer
What this card pays you
This figure reflects your spending profile against this card's published earn rates, minus the annual fee. Category caps, welcome bonuses, insurance and lounge benefits, and first-year fee waivers are excluded from this estimate.
We earn a referral fee if an application is approved. It does not affect this ranking. How we rank
Rewards in full
- 1.5 Adapta Points per $1 in your top 3 spending categories each month
- 1 point per $1 on all other purchases
- 2 points per $1 on CIBC by Expedia travel
- 1,500 points = $10 statement credit (1,200 points = $10 toward CIBC products)
Rates & fees
| Annual fee | $0 |
|---|---|
| Supplementary card fee | $0 (up to 3 additional cardholders) |
| Purchase APR | 21.99% (purchases) |
| Balance transfer intro | No intro offer |
| Balance transfer rate | 22.99% (balance transfers and cash advances); 21.99% for Quebec residents |
| Balance transfer fee | No standing BT offer; promotional balance transfer offers may carry a fee (typically up to 3%) - not disclosed in the standard rate schedule |
| Cash advance | $5.00 within Canada / $7.50 outside Canada per cash advance; cash advance APR 22.99% (21.99% in Quebec) |
| Foreign exchange fee | Not stated by issuer |
| Grace period | Not stated by issuer |
| Network | Mastercard |
Important information
Rates, fees, and offers come from the issuers and can change without notice. Confirm every detail on the issuer's site before you apply. We provide comparisons and application intake only; approval decisions rest solely with the issuer.