Rewards
Base earn rate1 Adapta point for every dollar spent on all other purchases
ProgramAdapta Points
Welcome bonusJoin and earn up to $350 in value including welcome bonus, spending bonus, recurring bill bonus, Skip+ membership and roadside assistance
Rewards typepoints
Fees & rates
Annual fee$0
Additional card$0
Purchase interest rateN/A
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Offered by Dominion Automobile Association (DAA), access to towing, battery boosting, gas delivery and more
$50 value
⭐
Get a 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
⭐
Free Skip+ membership with $0 delivery fees and $10 monthly voucher
$110 first year value
⭐
Get 50% off Disney+ Standard with Ads subscription for 6 months
$4.50 monthly statement credit
⭐
CIBC Pace It installment plans on credit card at lower interest rates
⭐
Travel bookings through CIBC by Expedia
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
purchase protection
replacement, repair or reimbursement
🛡️
extended warranty
extends coverage up to one additional year
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident