Cibc Adapta™ Mastercard®

Earn Rules?How much you earn back per dollar in each spending category. Cashback cards show these as percentages (2% back on groceries). Points/miles cards show them as multipliers (3x on dining). The math applies each rule to your spending in that category to compute total rewards for the year.

Statement Credits?Annual dollar credits the card issues automatically or via reimbursement, such as travel credits, Uber Cash, CLEAR, hotel night certificates, and similar. Counted at face value in the math; you decide which ones you'd actually use.

Each credit shown at full face value. The NAV math counts the total. What you actually use is your call.

Why this differs from the issuer's headline number. Card marketing sums every credit at full value and assumes you use all of them. We count each credit at face value too, but only the ones shown above. A credit you won't use is worth $0 to you, so the honest number for most people is lower than the brochure. Decide which ones fit your life; the calculator counts what you tell it to.

Signup Bonus?A one-time reward for opening the card and meeting a spend requirement. The full bonus counts toward the card's Year 1 value (only when your spend qualifies) and is excluded from its ongoing value.

Earn up to $280 in value during your first year, including up to 15,000 Adapta points (up to $125 in value): 3,000 points after your first purchase, 9,000 points when you spend $1,000 in the first 4 monthly statement periods, and 3,000 points for setting up one recurring bill payment within the first 4 monthly statements. Also includes a free Skip+ membership (first year value of $110) and membership to roadside assistance ($50 value) after your first purchase.

Value: $125 · Spend $1,000 in 4 months

This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.

Who This Card Makes Sense For

• People who occasionally carry a balance. With no annual fee on top, the interest is the only cost.

Where This Came From

• APR range“22.99%”
  Source ↗⚑
• Annual fee“$0”
  Source ↗⚑

Wondering if this card pays off for your situation? Is the Cibc Adapta™ Mastercard® worth it? →

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A similar annual fee, ranked higher at the default profile.

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