StudentRewardsNo Annual FeeMastercard

CIBC Adapta Mastercard for Students

CIBC

Student card that automatically rewards your top 3 spending categories each month with bonus points, plus useful perks like roadside assistance.

The CIBC Adapta Mastercard for Students is a CIBC Mastercard card with no annual fee. It earns 1.5 Adapta points per $1 on Top 3 spend categories (auto-selected each month). Listed welcome offer value: Up to $125.

Last updated October 9, 2026Source: issuer page

Key facts

Annual fee: $0
Purchase interest rate: 19.99%
Cash advance rate: 21.99%
Earn rates: 1.5 Adapta points per $1 on Top 3 spend categories (auto-selected each month) (Categories include groceries, dining, gas, transit, entertainment, e-games, and more); 2 Adapta points per $1 on Travel via CIBC by Expedia; 1 Adapta point per $1 on All other purchases
Welcome offer: Up to $125
Foreign transaction fee: 2.5%
Income requirement: No minimum listed

How this score is calculated

Formula

Net annual value(50%)3.5
Welcome bonus(15%)1.6
Foreign transaction fee(10%)2.5
Insurance & perks(15%)1.3
Purchase interest rate(10%)3.3

What are the fees and rates?

Verified 2026-10-09

Annual Fee

Additional card: $0

Purchase Interest Rate

19.99%

Cash advance: 21.99%

Foreign Transaction Fee

2.5%

What rewards does this card earn?

The CIBC Adapta Mastercard for Students earns 1.5 Adapta points per $1 on Top 3 spend categories (auto-selected each month).

Top 3 spend categories (auto-selected each month)

Categories include groceries, dining, gas, transit, entertainment, e-games, and more

1.5 Adapta points per $1

Travel via CIBC by Expedia

2 Adapta points per $1

All other purchases

1 Adapta point per $1

Is there a welcome offer?

Yes. The listed welcome offer value is Up to $125.

Up to 15,000 Adapta Points: 3,000 on first purchase, 9,000 after $1,000 spend in first 4 months, 3,000 for setting up a recurring bill payment

Value: Up to $125

New cardholders only

Pros

No annual fee and no minimum income
Automatically rewards your top spending categories
Good welcome bonus for a student card
Includes roadside assistance
Free Skip+ membership

Cons

Lower credit limit than regular cards
Points value modest compared to premium cards
Amex/Visa may have wider acceptance than Mastercard in some areas

What perks are included?

No annual fee
No minimum income requirement
Automatic bonus points in your top 3 spending categories
Free Skip+ membership (first year, $110 value)
Roadside assistance (towing, battery boost, gas delivery)
Up to $5,000 credit limit for Canadian students

What insurance is included?

Purchase Security – 90 days from purchase

Extended Warranty – Up to 1 additional year

Frequently asked questions

What is the annual fee on the CIBC Adapta Mastercard for Students?

The CIBC Adapta Mastercard for Students has no annual fee.

What rewards does the CIBC Adapta Mastercard for Students earn?

1.5 Adapta points per $1 on Top 3 spend categories (auto-selected each month) (Categories include groceries, dining, gas, transit, entertainment, e-games, and more); 2 Adapta points per $1 on Travel via CIBC by Expedia; 1 Adapta point per $1 on All other purchases

What is the purchase interest rate on the CIBC Adapta Mastercard for Students?

The purchase interest rate is 19.99%. The cash advance rate is 21.99%.

Is there a welcome offer on the CIBC Adapta Mastercard for Students?

Up to 15,000 Adapta Points: 3,000 on first purchase, 9,000 after $1,000 spend in first 4 months, 3,000 for setting up a recurring bill payment Listed value: Up to $125.