Rewards programs

CIBC Adapta

Program run by CIBC. Here is what one CIBC Adapta point is worth, how to redeem it and the cards that earn the most of it.

  • Values taken from official pages or from an announced specialist benchmark
  • Cards ranked by net value, annual fees deducted
  • Official pages reread regularly

Official program site All programs

Value of one point

Where the value comes from
Fixed redemption published by the program
Source
CIBC
Verification
Verified on October 8, 2026 Source up to date

“1,500 Adapta Points are worth $10 when applied to your credit card balance or a recent purchase.”

Restrictions

  • Minimum 1,500 points.
  • 1,200 points per 10 dollars toward select CIBC financial products (0.83 cent).

Programs do not issue the same number of points per dollar: to compare two programs, look at the return per dollar spent, not the value of a point.

Excerpts are quoted in the language of their source.

Cards that earn these points

Annual spending levels

Each level is a basket of annual spending split across everyday categories. The returns and the ranking are recomputed for that basket.

  • Moderate — $24,000 / year
  • Standard — $36,000 / year
  • High — $60,000 / year

In a personalized analysis, your actual spending replaces this reference basket.

Ranked by annual net value on the standard reference basket ($36,000 of spending a year), annual fees fully deducted.

Rank Card Network Annual fee Annual net value Earning Limitations
1 CIBC Adapta Mastercard Mastercard $0 $240.01 Range: $0 to $240.01
  • CIBC Rewards Centre travel: 2 points / $ (1.33¢ per dollar)
  • Top three monthly categories: 1.5 points / $ (1¢ per dollar)
  • Everyday purchases: 1 point / $ (0.67¢ per dollar)
 Foreign exchange fee assumed Cap: Everyday purchases

Return computed with the value used for the ranking: 0.667¢ per point.

How to use your points

The redemption options the program publishes, with the value of a point when it is fixed.

  • Statement credit

    Card balance or a recent purchase

    0.667¢ per point

    “1,500 Adapta Points are worth $10 when applied to your credit card balance or a recent purchase.”

    Official source

  • Other redemption

    CIBC financial products

    0.833¢ per point

    “You must have a minimum of 1,200 Adapta Points in your Adapta Account to redeem points toward select CIBC financial products. The eligibility of select CIBC financial products and the terms and conditions to complete the redemption are subject to change, without notice to you. Every 1,200 Adapta Points you redeem is equal to a $10 CAD payment or contribution toward a select CIBC financial product.”

    Official source

Transfer partners

This program publishes no transfer partner.

Expiry and minimum redemption

Point expiry
“all Adapta Points in the Adapta Account must be redeemed within 60 days after the Credit Card Account is closed.” Official source
Minimum redemption
“You must have a minimum of 1,500 Adapta Points in your Adapta Account to redeem points toward your card balance.” Official source

Welcome offers in CIBC Adapta points

Current offers on the cards of this program. Their value is not part of the ranking above.

View all offers

How to read this ranking

The ranking compares the cards of one program on a single scenario, so the gaps come from the cards and not from the assumptions.

  • Reference basket, standard level: $36,000 of spending a year, spread over everyday categories.
  • High-spend profile; reference province: Quebec.
  • Annual fees fully deducted from the value.
  • Welcome offers excluded: only the recurring value counts.

Your spending is different? See the best cards by use or the strategies by profile.

Limitations of this page

  • Cards are ranked on the standard reference basket of a high-spend profile; your actual spending may change the order.
  • Recurring annual fees are fully deducted from each card’s value.
  • Transfer partners and rates are those read on the official pages; a program may change them without notice.
  • The value of welcome offers is not part of the card ranking.