Illustration, not the actual card design.
CIBC · Earns CIBC Adapta points
CIBC Adapta Mastercard
Annual fee
None
Market
Canada · CAD
What it's worth before you spend
Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.
Every year
$0
+$0 yearly credits
−$0 fee
Plus 3 benefits with no fixed dollar value, like Roadside Assistance, Purchase Security and Extended Warranty. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Oct 10, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.
Welcome offer
No welcome offer right now. Offers come and go; the rates below are what this card earns every day.
What it earns
Valued at 0.67¢ per CIBC Adapta point.
| Where you spend | Earns | Back per $1 (est.) |
|---|---|---|
| Everything else | 1 pt per $ | 0.67¢ |
What else you get
Perks
- Roadside Assistance
Dominion Automobile Association roadside help in Canada and the continental U.S.: 3 services per rolling 12 months, including towing to the nearest repair facility within 5 km (up to 15 km if none), battery boost, flat tire, fuel delivery (fuel extra), lockout and winching; other services up to $100 each
Insurance
- Purchase Security
Loss, theft or damage to most new items within 90 days of purchase; $60,000 maximum per cardholder across all CIBC cards
- Extended Warranty
Doubles the manufacturer's warranty, up to 1 extra year
Got this card? We'll tell you when to use it.
PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.
Fine print
Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by CIBC. Card and program names belong to their owners.
Details last checked Oct 10, 2026.