Highlights

  • No annual fee for the primary card or up to three supplementary cards.
  • At the end of each statement period, CIBC automatically selects the three categories with the highest eligible spend. Purchases in those categories earn an extra 0.5 Adapta Point per $1, up to the first $40,000 of net annual account spend.
  • Eligible travel booked through CIBC by Expedia earns 2 Adapta Points per $1.
  • The card includes Auto Club roadside assistance for the primary cardholder, plus Purchase Security and Extended Warranty insurance.

Who it suits: This card is useful if you want no annual fee, your spending categories change from month to month, and you can put some travel bookings through CIBC by Expedia. Keep in mind that the 1.5x rate only applies to the first $40,000 of annual net spend. If you rarely use CIBC by Expedia, Journie, or Skip+, the extra value is limited.

CIBC Adapta Mastercard

Issuer: CIBC
Payment network: Mastercard
Type: Credit card
Annual fee: $0 for the primary card; $0 for up to three supplementary cards
Foreign-currency conversion fee: 2.5%

The card earns Adapta Points. A statement credit or recent-purchase redemption uses 1,500 Adapta Points for $10, while eligible CIBC financial-product redemptions use 1,200 Adapta Points for $10.

Welcome Offer

The official site currently has two application paths with different welcome offers.

【October 26, 2026 update】 15,000 Adapta Points plus a $100 fuel discount:

  • Make your first purchase within the first four months: 3,000 points.
  • Spend $1,000 within the first four months: an additional 9,000 points.
  • Set up a recurring bill payment within the first four months: an additional 3,000 points.
  • Apply through the targeted promotion page and, if approved, receive a discount code for 20 cents off per litre on up to 500 litres of gasoline, worth up to $100.

Official application link

【October 1, 2026 update】 6,000 Adapta Points:

  • Make your first purchase: 3,000 Adapta Points.
  • Spend at least $1,000 during the first four monthly statement periods: an additional 3,000 Adapta Points.

Official application link🔗

Eligibility: Minimum household income of $15,000 per year.

Everyday Spending

2x: Eligible flights, hotels, car rentals, and other travel booked through CIBC by Expedia. Taxes, insurance, service charges, and similar items do not earn the bonus, and these purchases are not included in the monthly category ranking.

1.5x: At the end of each statement period, CIBC selects the three categories with the highest net eligible spend from its 12 Spend Categories. Purchases in those categories earn 1.5 Adapta Points per $1 on the first $40,000 of annual account net spend. The cap is calculated across all cardholders on the account and resets the day after the December statement date; spending after the cap earns 1x. The 12 categories are Grocery and Drug Stores, Pet Stores, Dining and Drinks, Gas and EV, Transit and Parking, Entertainment, E-Games and Subscriptions, Home Improvement, Electronics, Clothing, Health and Beauty, and Hotels and Motels. Merchant-category coding is based on the merchant’s MCC, so online stores and general retailers may not code as expected.

1x: Other eligible purchases earn 1 Adapta Point per $1. Cash advances, CIBC Global Money Transfers, optional credit-card insurance premiums, fees, interest, balance transfers, payments, CIBC Convenience Cheques, adjustments, and points redemptions are excluded. Points are calculated on each full dollar, with fractional dollars ignored.

Benefits & Insurance

  • Primary Cardholder Roadside Assistance

After the first purchase, the primary cardholder’s Auto Club membership is activated within three business days. It covers driving any vehicle in Canada and the continental United States, with 24-hour service and up to three uses in each rolling 12-month period. Services include battery boosts, flat-tire changes, fuel delivery, lockout service, and winching; the fuel itself is the cardholder’s responsibility. Mechanical-breakdown towing goes to the nearest repair facility within 5 km, or up to 15 km when no repair facility is available within 5 km. Other services are covered up to $100 per use, with the cardholder paying the excess. Call Auto Club first at 1-855-203-1841. Commercial vehicles, collisions, impaired driving, unregistered or uninsured vehicles, parts, repairs, labour, and impound towing are excluded.

  • Journie Rewards Fuel Savings

Link your Adapta Mastercard to Journie Rewards and save 3 cents/L on each fill at participating Pioneer, Fas Gas, Ultramar, and Chevron stations. After reaching 300 Journie points, each fill can receive an additional 7 cents/L, for a combined maximum of 10 cents/L. Register for Journie Rewards first, then link the card through CIBC Online Banking or Mobile Banking.

Read more: 🇨🇦 How to save on gas in Canada: Petro, Esso, Chevron, and Shell

  • Skip+ Membership and Vouchers

Link an eligible CIBC card to a Skip account to receive free Skip+ membership. As long as the card remains linked and the account is active, the usual $9.99 monthly membership fee plus tax is waived. The link also provides one $20 Welcome Voucher for an eligible order of at least $40 before tax, tip, and service fees. Four eligible orders of at least $30 before tax, tip, and service fees in a calendar month can earn a Monthly Voucher of at least $10. Skip+ also includes $0 delivery fees and member offers when using an eligible CIBC card. Instacart-fulfilled orders are excluded, and a Monthly Voucher expires 30 days after it is issued.

  • Disney+ Statement Credit

Eligible primary cardholders who buy a monthly Disney+ plan priced at $8.99 or more directly from Disney+ and pay with the Adapta Mastercard can receive a $4.50 statement credit each month for up to six consecutive months. This equals 50% of the Standard with Ads plan price. Annual plans, payments through Apple, Google, PayPal, or another third party, and anyone who had a Disney+ subscription during the previous 12 months are excluded. The credit usually posts within 90 days after the monthly subscription charge, and the account must be open and in good standing when it posts.

Shopping Insurance

Official insurance certificate🔗

  • Purchase Security

When at least part of the price of a new personal item or gift is charged to the card, loss, theft, or physical damage within 90 days of purchase can qualify for coverage worldwide. CIBC may repair, replace, or pay the lesser of the repair cost, the item’s actual cash value before the loss, or the amount charged to the card. The aggregate limit for each cardholder across all CIBC cards is $60,000. Canadian residency is required. Commercial items, vehicles, normal wear, perishables, used or refurbished items, and other certificate exclusions are not covered. Notify the insurer within 45 days and submit a Loss Report within 90 days; this coverage is generally excess insurance after other coverage.

  • Extended Warranty

For most new items, charging at least part of the purchase price to the card can automatically double the manufacturer’s warranty, up to one additional full year. The original warranty must be valid in Canada or the United States. A valid manufacturer’s warranty longer than five years must be registered with the insurer during the first year. Dealer or assembler warranties, improper installation or modification, and repairs not covered by the original warranty are excluded. The same $60,000 aggregate limit and claim deadlines apply.