CIBC · Rewards Calculator
CIBC Adapta MastercardRewards Calculator
| Category | Earn Rate |
|---|---|
| Eligible travel purchases made through CIBC by Expedia | 2 Adapta points per $1 |
| Top 3 spend categories each month | 1.5 Adapta points per $1 |
| All other purchases | 1 Adapta point per $1 |
Enter Your Monthly Spending
We'll calculate your Adapta points earnings by category
Supermarkets & grocery stores
Restaurants, takeout, food delivery
Gas stations & EV charging
Public transit, Uber, taxis
Flights, hotels, car rentals
Netflix, Spotify, digital subs
Phone, internet, utilities
Pharmacies & drugstores
Movies, events, concerts
Everything else
Enter your monthly spending above
Fill in how much you spend in each category to see a detailed breakdown of your Adapta points earnings with the CIBC Adapta Mastercard.
Or try a quick-fill preset to get started
Ready to apply for the CIBC Adapta Mastercard?
Read our full review for detailed information on benefits, insurance coverage, and how to maximize your Adapta points.
Welcome Bonus
Bonus
Up to 12,000 Adapta points
~$100 estimated value
How to Earn It
3,000 Adapta points
Spend $0 first 4 monthly statement periods
9,000 Adapta points
Spend $1,000 first 4 monthly statement periods
Offer Expires
April 6, 2026
Card Details
- Annual Fee
- No annual fee (1st year waived)
- Network
- Mastercard
- Rewards Program
- Adapta
- Purchase Interest Rate
- 21.99%
- Cash Advance Rate
- 22.99%
- Foreign Transaction Fee
- 2.5%
- Lounge Access
- No
Insurance & Perks
- Roadside assistance for primary cardholders
How to Use the CIBC Adapta Mastercard Rewards Calculator
This calculator helps you estimate how many Adapta points you can earn each month and year based on your real spending habits. Enter your average monthly spending in each category above — groceries, dining, gas, transit, travel, streaming, and more — and the calculator will automatically apply the CIBC Adapta Mastercard's earn rates to show you a complete breakdown.
Understanding CIBC Adapta Mastercard Earn Rates
The CIBC Adapta Mastercard earns Adapta points at different rates depending on the spending category. Here's how the card's tiered earn structure works:
- Eligible travel purchases made through CIBC by Expedia: 2 Adapta points per $1
- Top 3 spend categories each month: 1.5 Adapta points per $1
- All other purchases: 1 Adapta point per $1
By focusing your spending on the highest-earning categories, you can maximise the value you get from the CIBC Adapta Mastercard. Use the presets above to quickly model different spending profiles and see how your rewards change.
Maximising the Value of Your Adapta points
The true value of your Adapta points depends on how you redeem them. As part of the Adapta program, you have several redemption options available — from travel bookings to transfer partners. Use the point valuation slider in the calculator to see how different redemption strategies affect the dollar value of your earnings.
No Annual Fee Advantage
One of the benefits of the CIBC Adapta Mastercard is that it has no annual fee, meaning every point you earn is pure value. There's no annual cost to offset, so even modest spending can deliver meaningful rewards over time.