Cash Back

Join and get up to $100 in value for no annual fee.

Here’s how it adds up:

  • Receive a Welcome Bonus of 3,000 Adapta points after your first purchase (up to $25 value)
  • Get 3,000 Adapta points when you spend $1,000 in the first 4 monthly statement periods (up to $25 value)
  • Includes membership to Roadside Assistance after you make your first purchase. Services include battery boosting, gas delivery, towing and more, offered by Dominion Automobile Association ($50 value)

How do Adapta points work?

Each month, you’ll automatically earn:

  • 1.5 Adapta points for every dollar you spend in your top 3 spend categories.; or
  • 2 Adapta points for every dollar you spend on eligible travel purchases made through CIBC by Expedia; or
  • 1 Adapta point for every dollar you spend on all other purchases.

What are Adapta points worth?

  • 1,500 Adapta points are worth $10 when redeemed towards your credit card balance or a recent purchase.
  • 1,200 Adapta points are worth $10 when redeemed towards select CIBC financial products.†

Save over $600 with CIBC and Skip

Get a 12-month Skip+ free trial and other exclusive benefits when you link your CIBC Adapta Mastercard with Skip.

Save on gas with CIBC and Journie Rewards

Link and use your CIBC Adapta Mastercard with Journie Rewards to save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.

 

 

Legal

CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Adapta card within the last 12 months.
Terms and Conditions Apply. Select Apply Now to learn more.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual
  • Household
Conversion fees
  • 2.5 %
Earning Rate
  • All Spending1Adapta Point
  • Groceries1Adapta Point
  • Gas1Adapta Point
Value
  • Year 1 $252
  • Year 2+ $202
Best For
Transfer Partners
  • AdaptaCash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • No Foreign Transaction Fee
  • Accepted at Costco
  • 2 % cash back on all eligible purchases
Learn More

Earn 2% cash back globally with no FX fees and unlock legendary experiences.

Key Features

  • Metal Card
  • No FX fees
  • Insurance Included

Key Benefits

  • 2% cash back on all eligible purchases globally
  • 1.5x redemption bonus when you use your cash back for Rogers purchases
  • 10 Roam Like Home days on us, every year, with an eligible Rogers mobile plan.
  • No FX fees
  • $200 Rogers Entertainment credit

Travel Benefits

  • 6 Plaza Premium Lounge passes per year worldwide (complimentary Rogers Red welcome drink upon arrival, for a limited time)
  • Complimentary Mastercard Travel Pass membership — access to over 1,300 airport lounges worldwide at a reduced rate of US$32 per person per visit
  • Access to entertainment in over 120 countries: concerts, premium seats, and experiences associated with the Priceless program (priceless.com/themastercardcollection)

Additional benefits

  • Soho Friends Experience with Mastercard — book rooms at Soho Houses worldwide with preferred rates, late check-outs, upgrades, and a US$100 credit on your first booking
  • Mastercard Concierge Service — 24/7 complimentary personal concierge service for bookings and more
  • Access to the Avis President's Club program — two car class upgrades, expedited service, dedicated support line
  • Exclusive access to sports and music experiences via the Rogers Moments program (Rogers customers only)

Insurance Included

  • Flight Delay Insurance
  • Baggage insurance
  • Common Carrier Travel Accident Insurance
  • Hotel Burglary Insurance
  • Purchase Protection and Extended Warranty
  • Rental Car Collision and Damage Insurance
  • Emergency Medical Travel Insurance (for individuals aged 75 or under)
  • Trip Cancellation and Trip Interruption Insurance

Options

  • Optional Rogers Account ProtectionMC — helps keep your account in good standing during unforeseen events (job loss, critical illness, hospitalization, disability, or death)

Estimated Annual Value — up to $2,900

  • 2% cash back worldwide — $1,800 value
  • No foreign transaction fees — $180 value
  • Access to Roam Like Home for 10 days — $180 value
  • Rogers Entertainment Credit — $200 value
  • 6 Plaza Premium Lounge passes — $432 value
  • Soho Friends Account — $175 value
Legal

*Conditions apply. Credit card application subject to credit assessment and income verification.

  • Standard rate on Purchases and Fees: 20.99%
  • Standard rate on Cash Advances, Cash-like Transactions and Balance Transfers: 22.99%

If you are not approved for an Account at the above rates and you reside outside Quebec, we may still issue you an Account at our alternate interest rates, as follows:

  • Rate for Purchases and Fees: 25.99%
  • Rate for Cash Advances, Cashlike Transactions and Balance Transfers: 27.99%

Rogers Bank is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information and applicable terms and conditions, visit Rogersbank.com.

®/TM Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated. Used under License.

TM Rogers and Mobius Design, Rogers Bank and related marks, logos and brand names are trademarks of Rogers Communications Inc., or an affiliate, used under license. © 2026 Rogers Bank. Rogers Bank is the issuer of this credit card.

Annual Fee
  • Primary card $495
  • Additional card $95
Annual Income Required
  • Individual $150,000
  • Household $200,000
Conversion fees
  • 0.0 %
Earning Rate
  • All Spending2%
  • Groceries2%
  • Gas2%
Value
  • Year 1 $185
  • Year 2+ $185
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
21 day(s)
Travel medical insurance up to 64 years old
21 day(s)
Travel medical insurance 65+
5 day(s)
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
$1,000

Earn Cash Back Dollars. Redeem them to help pay down your Account balance.

  • Earn 1% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases.
  • Earn 0.5% in Cash Back Dollars on all other Purchases made with your Card.
  • Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply. Conditions Apply.
  • Save with Avis Rent A Car and Budget Rent A Car: Use your Canadian TD Credit Card to save a minimum of 10% off the lowest available base rates in Canada and the U.S., and a minimum of 5% off the lowest available base rates internationally, on qualifying car rentals at participating Avis and Budget locations.
  • Optional TD Auto Club membership for 24/7 emergency roadside assistance.
  • Purchase insurance and extended warranty protection - You automatically benefit from Purchase Insurance and Extended Warranty Protection, which covers most personal items purchased with your card that are stolen or damaged within 90 days of purchase.
Legal
Terms and conditions apply.
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Earning Rate
  • Groceries1%
  • Gas1%
  • Local Transport1%
Value
  • Year 1 $180
  • Year 2+ $180
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • 3% cash back on groceries and gas
  • Premium Insurance
  • Visa Infinite Benefits
Learn More

Earn up to $600 in total value, which includes 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500 and receive an Annual Fee rebate for the first year. Conditions Apply.

  • Bonus Eligible Purchases are Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases, until a total collective spend of $3,500 of such purchases have been made.
  • Receive 24/7 Roadside Assistance with Free Deluxe TD Auto Club membership.
  • Get an Annual Fee Rebate for the first year.

To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder while the offer is in effect.

Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

  • Earn 3% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit Purchases†.
  • Earn 3% in Cash Back Dollars on Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†.
  • Earn 1% in Cash Back Dollars on all other Purchases.
  • Redeem your Cash Back Dollars to help pay down your Accounts balance whenever you please - the choice is yours†!
  • Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply. Conditions Apply.
Legal

Terms and conditions apply.

Annual Fee
  • Primary card $139
  • Additional card $50
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Earning Rate
  • Groceries3%
  • Gas3%
  • Local Transport3%
Value
  • Year 1 $969
  • Year 2+ $341
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$2,000,000
10 day(s)
Travel medical insurance up to 64 years old
$2,000,000
10 day(s)
Travel medical insurance 65+
$2,000,000
4 day(s)
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
  • No Foreign Transaction Fee
  • 2% cash back on all purchases
  • Visa Infinite Privilege Benefits
Learn More
  • Get 2% cash back on all your purchases
  • No foreign transaction fees for purchases made in currencies other than the Canadian dollar
  • No annual fees for eligible clients

Some travel insurance is not currently offered to Quebec residents.

Legal

Annual Fee Waiver

The Annual Fee (“Fee”) for the Wealthsimple Visa Infinite* or Wealthsimple Visa Infinite Privilege* credit card (“Card”) is $240 and is charged monthly at $20. The monthly fee is charged when the Card is issued (regardless of activation) and is billed to the first statement and once a month thereafter, unless this Fee is waived. Waiving the Fee is a promotional offer (“Fee Waiver Offer”) and requires clients to meet specific criteria to qualify and continue having the Fee waived. The Card Fee is automatically waived for any client with a Premium or Generation status, and the Fee will continue to be waived so long as that status is maintained. The Fee Waiver Offer is also available to Core clients who direct deposit at least $4,000 per month into their Wealthsimple Chequing Account (“Chequing Account”) within the preceding 30-days. Only direct deposits classified by Payments Canada as pre-authorized transactions with transaction codes ranging from 200 to 207, 310, 311, and 318 would be considered eligible. (“Qualifying Deposit”). If a Core client doesn’t make a Qualifying Deposit, or if a Premium or Generation client cannot maintain their status and becomes a Core client without a Qualifying Deposit, the monthly fee of $20 will be added to their next statement and continue to be charged until a Qualifying Deposit is confirmed.

For residents of Quebec: The Quebec Annual Fee (“Annual Fee”) for the Wealthsimple Visa Infinite* or Wealthsimple Visa Infinite Privilege* credit card is $240 and is charged when the Card is issued (regardless of activation) and is billed to the first statement and once a year thereafter. Waiving the Fee is a promotional offer (“Quebec Fee Waiver Offer”) and requires clients to meet specific criteria to qualify. The Annual Fee is automatically waived for any client with Premium or Generation status at the time the Card is issued. If a Core client obtains Premium or Generation status after the Annual Fee has been applied, a prorated refund will be issued for the number of months remaining in the current twelve (12) month period, which starts on the anniversary of the Card issuance date (“Card Year”) from the month eligibility is obtained ($20 per month). The Quebec Fee Waiver Offer is also available to Core clients who direct deposit at least $4,000 per month into their Chequing Account within the 30-days preceding the time the Card is issued. Only direct deposits classified by Payments Canada as pre-authorized transactions with transaction codes ranging from 200 to 207, 310, 311, and 318 would be considered eligible. (“Qualifying Deposit”). If a Core client starts making Qualifying Deposits after the Annual Fee has been applied, a prorated refund will be issued for the number of months remaining in the current Card Year from the month eligibility is obtained ($20 per month).

Credit Card Rewards (Cashback Offer)

The cash back promotional offer (“Cashback Offer”) is valid for new and existing users of the Card. The 2% earn rate, which may be subject to change, applies to purchases, excluding cash-like transactions, refunds, any applicable fees and adjustments (“Qualified Spend”). Cash back credits are earned on Qualified Spend only. You may redeem your cash back as soon as the Qualified Spend transaction is settled or up to 10 years after the Qualified Spend transaction is settled. Cash back can be redeemed directly in the app. Cash back can only be deposited into your Wealthsimple chequing, TFSA, RRSP, or non-registered accounts. There is no minimum amount needed to redeem. If a refund is processed after the Cash back credit is redeemed, the amount will be deducted from your rewards balance.

General Terms and Conditions

Wealthsimple Payments Inc. (“Wealthsimple”) reserves the right to amend, withdraw or restrict the Fee Waiver Offer and/or the Cashback Offer at any time without notice. Wealthsimple is the sole arbiter of these rules, the qualification criteria, and any other issue arising in connection with the Fee Waiver Offer and/or the Cashback Offer. If Wealthsimple suspects fraudulent or abusive behaviour, gaming of the system or a violation of these terms, Wealthsimple reserves the right to remove all promotions from the applicable Wealthsimple account and take any other action it deems appropriate including, but not limited to, canceling the applicable Card. An invitation to participate in the Fee Waiver Offer and/or the Cashback Offer does not provide assurance that the referred customer will be accepted as a customer of Wealthsimple. Both the Fee Waiver Offer and the Cashback Offer are only valid for individuals in Canada that otherwise meet Wealthsimple’s eligibility requirements. The Wealthsimple Visa Infinite Credit Card and Wealthsimple Visa Infinite Privilege Credit Card are issued by Wealthsimple pursuant to license by Visa Canada Corp. * Trademark of Visa Int., used under license.

Wealthsimple is not responsible for maintaining the accuracy of information on this website. Refer to Wealthsimple’s page for more details.

Terms and conditions apply. For the latest product details, please visit Wealthsimple.com.

Annual Fee
  • Primary card $240
  • Additional card $0
Annual Income Required
  • Individual $150,000
  • Household $200,000
Conversion fees
  • 0.00 %
Earning Rate
  • All Spending2%
  • Groceries2%
  • Gas2%
Value
  • Year 1 $480
  • Year 2+ $480
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$2,000,000
14 day(s)
Travel medical insurance up to 64 years old
$2,000,000
14 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$1,500
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • No Foreign Transaction Fee
  • 2% cash back on all purchases
  • Visa Infinite Benefits
Learn More
  • Get 2% cash back on all your purchases
  • No foreign transaction fees for purchases made in currencies other than the Canadian dollar
  • No annual fees for eligible clients

Some travel insurance is not currently offered to Quebec residents.

Legal

Annual Fee Waiver

The Annual Fee (“Fee”) for the Wealthsimple Visa Infinite* or Wealthsimple Visa Infinite Privilege* credit card (“Card”) is $240 and is charged monthly at $20. The monthly fee is charged when the Card is issued (regardless of activation) and is billed to the first statement and once a month thereafter, unless this Fee is waived. Waiving the Fee is a promotional offer (“Fee Waiver Offer”) and requires clients to meet specific criteria to qualify and continue having the Fee waived. The Card Fee is automatically waived for any client with a Premium or Generation status, and the Fee will continue to be waived so long as that status is maintained. The Fee Waiver Offer is also available to Core clients who direct deposit at least $4,000 per month into their Wealthsimple Chequing Account (“Chequing Account”) within the preceding 30-days. Only direct deposits classified by Payments Canada as pre-authorized transactions with transaction codes ranging from 200 to 207, 310, 311, and 318 would be considered eligible. (“Qualifying Deposit”). If a Core client doesn’t make a Qualifying Deposit, or if a Premium or Generation client cannot maintain their status and becomes a Core client without a Qualifying Deposit, the monthly fee of $20 will be added to their next statement and continue to be charged until a Qualifying Deposit is confirmed.

For residents of Quebec: The Quebec Annual Fee (“Annual Fee”) for the Wealthsimple Visa Infinite* or Wealthsimple Visa Infinite Privilege* credit card is $240 and is charged when the Card is issued (regardless of activation) and is billed to the first statement and once a year thereafter. Waiving the Fee is a promotional offer (“Quebec Fee Waiver Offer”) and requires clients to meet specific criteria to qualify. The Annual Fee is automatically waived for any client with Premium or Generation status at the time the Card is issued. If a Core client obtains Premium or Generation status after the Annual Fee has been applied, a prorated refund will be issued for the number of months remaining in the current twelve (12) month period, which starts on the anniversary of the Card issuance date (“Card Year”) from the month eligibility is obtained ($20 per month). The Quebec Fee Waiver Offer is also available to Core clients who direct deposit at least $4,000 per month into their Chequing Account within the 30-days preceding the time the Card is issued. Only direct deposits classified by Payments Canada as pre-authorized transactions with transaction codes ranging from 200 to 207, 310, 311, and 318 would be considered eligible. (“Qualifying Deposit”). If a Core client starts making Qualifying Deposits after the Annual Fee has been applied, a prorated refund will be issued for the number of months remaining in the current Card Year from the month eligibility is obtained ($20 per month).

Credit Card Rewards (Cashback Offer)

The cash back promotional offer (“Cashback Offer”) is valid for new and existing users of the Card. The 2% earn rate, which may be subject to change, applies to purchases, excluding cash-like transactions, refunds, any applicable fees and adjustments (“Qualified Spend”). Cash back credits are earned on Qualified Spend only. You may redeem your cash back as soon as the Qualified Spend transaction is settled or up to 10 years after the Qualified Spend transaction is settled. Cash back can be redeemed directly in the app. Cash back can only be deposited into your Wealthsimple chequing, TFSA, RRSP, or non-registered accounts. There is no minimum amount needed to redeem. If a refund is processed after the Cash back credit is redeemed, the amount will be deducted from your rewards balance.

General Terms and Conditions

Wealthsimple Payments Inc. (“Wealthsimple”) reserves the right to amend, withdraw or restrict the Fee Waiver Offer and/or the Cashback Offer at any time without notice. Wealthsimple is the sole arbiter of these rules, the qualification criteria, and any other issue arising in connection with the Fee Waiver Offer and/or the Cashback Offer. If Wealthsimple suspects fraudulent or abusive behaviour, gaming of the system or a violation of these terms, Wealthsimple reserves the right to remove all promotions from the applicable Wealthsimple account and take any other action it deems appropriate including, but not limited to, canceling the applicable Card. An invitation to participate in the Fee Waiver Offer and/or the Cashback Offer does not provide assurance that the referred customer will be accepted as a customer of Wealthsimple. Both the Fee Waiver Offer and the Cashback Offer are only valid for individuals in Canada that otherwise meet Wealthsimple’s eligibility requirements. The Wealthsimple Visa Infinite Credit Card and Wealthsimple Visa Infinite Privilege Credit Card are issued by Wealthsimple pursuant to license by Visa Canada Corp. * Trademark of Visa Int., used under license.

Wealthsimple is not responsible for maintaining the accuracy of information on this website. Refer to Wealthsimple’s page for more details.

Annual Fee
  • Primary card $240
  • Additional card $0
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 0.00 %
Earning Rate
  • All Spending2%
  • Groceries2%
  • Gas2%
Value
  • Year 1 $240
  • Year 2+ $240
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$2,000,000
14 day(s)
Travel medical insurance up to 64 years old
$2,000,000
14 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
$1,000
Trip Interruption Insurance
$1,000
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$749
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

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