CIBC Adapta Mastercard

Published minimum income $15,000

Relevant if: you use the CIBC Adapta program and its documented categories.

Less suitable if: terms that remain unconfirmed are essential to your decision.

Estimate with my spending

Futello estimate

Net value, first year

$20.00

The bonus in dollars, minus the fees to earn it.

Fee: no annual fee

Offer verified on November 5, 2026

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View calculation details

Offer (first 12 months): $20.00
− First-year fees: $0.00
= First-year net value: $20.00

For a spending profile of $36,000 a year

The offer plus the card’s rewards on this profile. The net value above counts the offer only.

Rewards net of annual fees (balanced scenario): $240.01
+ Offer (first 12 months): $20
= Estimate for this profile, offer included: $260.01

Basket breakdown · Balanced reference scenario

Value calculated with a balanced spending basket of $36,000 per year.

Everyday purchases$11,250
Groceries$11,250
Restaurants$4,500
Gas / charging$4,500
Pre-authorized payments$4,500

The whole selected basket goes on this card, per the certified balanced scenario. Fees counted once; first-year rebate only when the published offer confirms it; rewards on required spending never counted twice.

Welcome offer

Current offer

Welcome bonus: Up to 6,000 points CIBC Adapta
Conditions: 2 tiers, up to $1,000 in spending within 4 months

See the tier-by-tier detail

Receive a Welcome Bonus of 3,000 Adapta Points after your first purchase

Get 3,000 Adapta Points when you spend $1,000 in the first 4 monthly statement periods Spend $1,000 within 4 months
End date: End date not published
Offer quality: Good Futello rating grid
Last verified: Verified today

Email me if this offer changes

Offer history: too short to compare

October 14, 2026 6,000 points $1,000 in spending within 4 months current offer

Facts from the issuer’s official site and Futello’s verified history. How offers are evaluated

Rewards

Category	Reward
Other purchases	1 point per dollar
Travel booked through the CIBC Rewards Centre	2 points per dollar
Top three monthly categories	1.5 points per dollar

Cap not documented for every category.

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Sources and uncertainties

Unconfirmed information remains distinct from an absence. Always review current terms with the issuer.

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