New cardmembers can earn up to 6,000 Adapta Points + Roadside Assistance, worth roughly $100, by completing the steps below.
How to earn it
3,000 Adapta Points (up to $25 value)Make your first purchase within the first 4 monthly statement periods.
3,000 Adapta Points (up to $25 value)Spend at least $1,000 in net purchases within the first 4 monthly statement periods.
Roadside Assistance Membership (approximately $50 value)Included after making your first purchase on the card.
Available to new CIBC Adapta Mastercard cardholders approved beginning April 7, 2026. Offer not available to clients who have opened, transferred or cancelled another Adapta card within the previous 12 months. Account must be open and in good standing when bonus points are awarded.
How you earn
1.5 Adapta points per $1 spent in your top 3 spending categories each month
1 Adapta point per $1 spent on all other purchases
2 Adapta points per $1 spent on eligible travel bookings through CIBC by Expedia
Top 3 spending categories are automatically determined each month based on your spending patterns
Eligible bonus categories include grocery and drug stores, dining and drinks, gas and EV, transit and parking, entertainment, e-games and subscriptions, home improvement, electronics, clothing, health and beauty, hotels and motels, and pet stores
Redeem Adapta points toward your credit card balance, eligible purchases, or select CIBC financial products
Built-in perks & coverage
Roadside Assistance Membership
Primary cardholders receive roadside assistance services through Dominion Automobile Association, including towing, battery boosting, gas delivery, lockout assistance and more.
Automatic Top 3 Category Optimization
The card automatically identifies your top three spending categories each month and applies bonus earn rates without requiring category selection.
Purchase Security Insurance
Most new personal items purchased with the card are covered against loss, theft or damage for up to 90 days from the purchase date.
Extended Warranty Insurance
Extends the original manufacturer's warranty by up to one additional year on eligible purchases.
Journie Rewards Fuel Savings
Save up to 10 cents per litre at participating gas stations by linking your card to a Journie Rewards account.
CIBC Pace It Installment Plans
Convert eligible purchases into fixed monthly installment plans with predictable payments.
Shop with Points
Redeem Adapta points toward eligible purchases, your credit card balance, or select CIBC financial products.
Mastercard Zero Liability Protection
Protection against unauthorized purchases made through the Mastercard network.
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Fraud Alerts
Receive proactive notifications by text, email or phone when suspicious activity is detected.
Digital Disputes Platform
Report and dispute unrecognized transactions directly through CIBC Online Banking or the CIBC Mobile App.
Card Management Tools
Activate cards, lock a missing card, report a lost or stolen card, and manage card settings through digital banking.
Spend Alerts
Set customized alerts to monitor spending activity and receive notifications when nearing your credit limit.
Skip+ Membership Offer
Eligible cardholders can receive a complimentary Skip+ membership with delivery fee savings and monthly benefits.
Disney+ Statement Credit Offer
Eligible cardholders may receive statement credits on qualifying Disney+ subscriptions during promotional periods.
The verdict
What we like
No annual fee
Automatic top 3 category optimization
Roadside assistance included
Flexible redemption options
Low income requirement
Worth noting
Low point value
No travel insurance
Foreign transaction fee
Bonus categories change monthly
Limited premium benefits
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money.
