- 1.5%Points on top three spending categories
- 1%Points on all other purchases
Earn up to CA$150 in value with 3,000 points after your first purchase and 9,000 points when you spend CA$1,000 in the first four statement periods.
Earn 1.5 points for every dollar spent in your top three categories and 1 point per dollar on all other purchases.
The CIBC Adapta Mastercard shines for its adaptability, automatically adjusting rewards based on your spending habits. This card is perfect for those who want to earn points without an annual fee while enjoying the benefits of roadside assistance and flexible redemption options.
Pros:
- No annual fee
- Flexible rewards based on spending
Cons:
- Requires tracking of spending categories
- Lower rewards on non-category purchases
The CIBC Adapta Mastercard is a suitable option for consumers seeking a no-annual-fee credit card that rewards varied spending habits, featuring a competitive reward rate and additional benefits like roadside assistance. This card may particularly appeal to those who prefer a straightforward rewards structure without the commitment of an annual fee.