Rewards
Base earn rate1 Adapta point for every dollar spent on all other purchases
ProgramAdapta Points
Welcome bonusJoin and earn up to $150 in value with no annual fee
Rewards typepoints
Fees & rates
Annual fee$0
Purchase interest rateN/A
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Access to services such as towing, battery boosting, gas delivery and more offered by Dominion Automobile Association (DAA)
$50 value
⭐
Save up to 10 cents per litre on gas at participating gas stations when you link your Adapta Mastercard with Journie Rewards
up to 10 cents per litre
⭐
12-month Skip+ free trial when you link your CIBC credit card with your Skip account, plus exclusive savings and rewards with your Skip+ membership
12-month free trial
⭐
CIBC Pace It installment plans on your credit card at lower interest rates
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
purchase protection
Included — see issuer for details.
🛡️
extended warranty
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident