- 1.5Adapta points per $1 in top 3 categories
- 1Adapta points per $1 on all other purchases
Earn up to 12,000 Adapta Points (worth up to CA$100) in your first year.
Earn 1.5 Adapta points per $1 spent in your top 3 categories and 1 point per $1 elsewhere.
The CIBC Adapta Mastercard is unique in its ability to adapt to your spending habits, automatically rewarding you in your top categories. This flexibility, combined with no annual fee, makes it an excellent choice for those who want a hassle-free rewards experience.
Pros:
- No annual fee
- Automatically adapts to spending habits
Cons:
- Points may expire
- Limited to top 3 categories for higher rewards
The CIBC Adapta Mastercard is well-suited for individuals seeking a no-annual-fee credit card that offers adaptable rewards based on their spending patterns. Its automatic categorization of rewards makes it a practical option for users who prefer a straightforward approach to earning cashback without the need for constant management of their rewards strategy.