{"id":445193,"date":"2025-05-02T10:10:00","date_gmt":"2025-05-02T14:10:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/?p=445193"},"modified":"2026-05-08T15:52:47","modified_gmt":"2026-05-08T15:52:47","slug":"cibc-adapta-credit-card","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/news\/finance\/cibc-adapta-credit-card\/","title":{"rendered":"CIBC Launches Adapta: a Credit Card that Adapts to Your Expenses"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"h-new-cibc-adapta-mastercard\">New CIBC Adapta Mastercard<\/h2>\n\n\n\n\n\n<p>CIBC has launched the <a title=\"CIBC Adapta Mastercard card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/cibc-adapta-mastercard\/\" rel=\"noindex\">CIBC Adapta Mastercard<\/a>, a new card with no annual fee. The main distinction of this card is that it automatically adapts to its holder&#8217;s spending habits.<\/p>\n\n\n\n<p>This means you don&#8217;t have to adapt to your credit card, because it adapts to you and your spending habits.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"445152\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>The <a title=\"CIBC Adapta Mastercard card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/cibc-adapta-mastercard\/\" rel=\"noindex\">CIBC Adapta Mastercard<\/a> is a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/no-fee\/\" target=\"_blank\" rel=\"noopener\">no-annual-fee<\/a> card that stands out for its flexibility: it automatically determines your three main spending categories each month and rewards you more for them.<\/p>\n\n\n\n<p>Cardholders accumulate&nbsp;:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>1.5 points per full dollar eligible in the top 3 monthly categories;<\/li>\n\n\n\n<li>1 point per full dollar and eligible on all other purchases.<\/li>\n<\/ul><\/div>\n\n\n\n<p>The categories are&nbsp;:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr style=\"height: 23px;\"><td class=\"has-text-align-center\" data-align=\"center\">Grocery and drug stores<\/td><td class=\"has-text-align-center\" data-align=\"center\">Pet stores<\/td><td class=\"has-text-align-center\" data-align=\"center\">Dining and drinks<\/td><td class=\"has-text-align-center\" data-align=\"center\">Gas and EV<\/td><\/tr><tr style=\"height: 47px;\"><td class=\"has-text-align-center\" data-align=\"center\">Transit and parking<\/td><td class=\"has-text-align-center\" data-align=\"center\">Entertainment<\/td><td class=\"has-text-align-center\" data-align=\"center\">E-games and subscriptions<\/td><td class=\"has-text-align-center\" data-align=\"center\">Home improvements<\/td><\/tr><tr style=\"height: 23px;\"><td class=\"has-text-align-center\" data-align=\"center\">Electronics<\/td><td class=\"has-text-align-center\" data-align=\"center\">Clothing<\/td><td class=\"has-text-align-center\" data-align=\"center\">Health and beauty<\/td><td class=\"has-text-align-center\" data-align=\"center\">Hotels and motels<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\n<p>So, if you spent a total of $1,000 this month, mainly on clothing, groceries and transit, these three categories of spending will earn you 1,500 Adapta points (1,000 multiplied by 1.5 points).<\/p>\n\n\n\n<p>The minimum annual income required to qualify for the CIBC Adapta Mastercard is $15,000.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cibc-adapta-mastercard-welcome-offer\">CIBC Adapta Mastercard Welcome Offer<\/h2>\n\n\n\n<p>Get up to <strong>6,000 Adapta points<\/strong> during your first year (a value of up to $50):<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Receive a welcome bonus of <strong>3,000 Adapta Points<\/strong> after your first purchase;<\/li>\n\n\n\n<li>Earn an additional<strong> 3,000 Adapta Points<\/strong> if you spend $1,000 during the period covered by your first 4 monthly statements.<\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"445152\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-adapta-points-redemption\">Adapta points redemption<\/h2>\n\n\n\n<p>There are 3 ways to redeem and spend your Adapta points:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Pay off your outstanding credit card balance: every 1,500 Adapta points equals a $10 payment on your outstanding balance;<\/li>\n\n\n\n<li>Make payments or contributions to your CIBC financial products: each 1,200 Adapta Points equals $10 in payments or contributions;<\/li>\n\n\n\n<li>Get a statement credit for a recent purchase (pending transaction): every 1,500 Adapta points earns $10 in credit applied to your card.<\/li>\n<\/ul><\/div>\n\n\n\n<p>The best value is to make a contribution and <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/invest-reward-points\/\">invest in your RRSP, TFSA<\/a> or other CIBC accounts. You&#8217;ll get a better redemption rate (0.8 cents per point) than the other options (0.67 cents per point).<\/p>\n\n\n\n<p>So, if you get all 6,000 Adapta points from the welcome offer, you can&nbsp;:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Contribute $50 to your CIBC RRSP, TFSA or other plan<\/li>\n\n\n\n<li>Or, pay off $40 of your outstanding balance or pay off a recent purchase with your <a title=\"CIBC Adapta Mastercard card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/cibc-adapta-mastercard\/\" rel=\"noindex\">CIBC Adapta Mastercard Card.<\/a><\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-other-cibc-adapta-mastercard-features\">Other CIBC Adapta Mastercard features<\/h2>\n\n\n\n<p>Other features and benefits include&nbsp;:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>The first Touch Card design by Mastercard in Canada, with a notch allowing visually impaired people to easily identify their card in their wallet;<\/li>\n\n\n\n<li>Vertical orientation;<\/li>\n\n\n\n<li>Made of recycled plastic;<\/li>\n\n\n\n<li>Roadside assistance included ($50 value);<\/li>\n\n\n\n<li>Purchase insurance and extended warranty;<\/li>\n\n\n\n<li>12-month free trial of <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/rewards\/special-offers\/partnership-skip-cibc\/\" target=\"_blank\" rel=\"noopener\">Skip+<\/a>;<\/li>\n\n\n\n<li>Save up to 10 cents per liter on gasoline with <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/rewards\/journie-ultimate-guide\/\" target=\"_blank\" rel=\"noopener\">Journie Rewards<\/a>.<\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"0,415401\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\">Bottom Line<\/h2>\n\n\n\n<p>CIBC is launching a new <a title=\"CIBC Adapta Mastercard card\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/cibc-adapta-mastercard\/\" rel=\"noindex\">CIBC Adapta Mastercard<\/a> that lives up to its name! Is this card ideal for someone who&nbsp;:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Look for a card with no annual fee;<\/li>\n\n\n\n<li>Has variable spending habits;<\/li>\n\n\n\n<li>Wants to maximize rewards without effort or calculation;<\/li>\n\n\n\n<li>Appreciates flexibility in their rewards or cash back style.<\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"445152\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>","protected":false},"excerpt":{"rendered":"<p>Discover the new CIBC Adapta Mastercard, which rewards your 3 main monthly spending categories with 50% more points.<\/p>","protected":false},"author":127,"featured_media":445015,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[48417],"tags":[],"mc_loyalty_program":[],"class_list":["post-445193","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","mc_market-all-of-canada","post_region-canada-en","travel_type-budget-travel"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - 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