- 1.5%Points in top three spending categories
- 1%Points on all other purchases
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 statements.
Earn 1.5 Adapta points for every dollar spent in your top three categories each month.
What sets the CIBC Adapta Mastercard apart is its unique ability to adapt to your spending habits, rewarding you with higher points in your top three categories, making it a flexible option for diverse spenders.
Pros:
- No annual fee
- Flexible rewards based on spending habits
Cons:
- Limited to top three categories for higher rewards
- Points redemption value can vary
The CIBC Adapta Mastercard is a suitable choice for consumers who prefer a no-annual-fee card that rewards diverse spending patterns, particularly those who frequently engage in varying categories of purchases. Its adaptable reward structure may appeal to individuals who value flexibility and the opportunity to earn more points in their most-used spending areas.