Rewards
Base earn rate1 Adapta point per dollar 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
$50 value
⭐
Discount every time you fill up at participating gas stations when you link your Adapta Mastercard with Journie Rewards
up to 10 cents per litre
⭐
Free SPC+ membership with up to 30% off 450+ brands
⭐
12-month Skip+ free trial when you link your CIBC credit card with your Skip account, plus exclusive savings and rewards
12 months
⭐
Installment plans on credit card at lower interest rates
⭐
Connect your card to mobile wallets for contactless payments
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
purchase protection
replacement, repair, or reimbursement of purchase price
🛡️
extended warranty
up to one additional year
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident