No Annual Fee
Rewards
CIBC Adapta Mastercard
CIBC
Current Welcome Offer
Join and earn up to $100 in value with no annual fee.
Annual Fee
$0
Purchase APR
21.99%
Cash Adv. APR
22.99%
Welcome Bonus
~$100
RateBuddy Verdict
The Good
- Includes free basic Roadside Assistance (towing, battery boosts, etc.), which is an extremely rare perk for a no-annual-fee card.
- The dynamic rewards system automatically gives you 1.5x points on your top 3 categories, ensuring you maximize value without tracking categories.
- The physical card features a unique notch design to assist with accessibility and orientation.
The Trade-offs
- Adapta points have a relatively low redemption value (approx. 0.67 cents per point) compared to some other reward currencies.
- Does not include any travel insurance, car rental collision coverage, or mobile device protection.
- The base earn rate of 1 point per $1 on non-top categories is standard but not industry-leading.
Rewards & Earnings
Base Rate 0%
Rewards Summary:
Welcome Bonus Details
Join and earn up to $100 in value with no annual fee.
Estimated Value: $100.00
Features & Benefits
No Annual Fee
No annual fee
Free Checked bag
Complimentary Roadside Assistance (DAA)
Extended Warranty Insurance
Included
Purchase Security Insurance
Included
Insurance Coverage
Standard liability protection included.
Rates & Fees Details
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $0 |
| Income Required | No specific requirement listed. |