CIBC Adapta™ Mastercard® for Students
CIBC · MASTERCARD
The CIBC Adapta™ Mastercard® for Students is a credit card from CIBC on the MASTERCARD network. It has an annual fee of C$0. It earns 2x on travel, 1x on everything else. The welcome offer is Most popular Join and earn up to $350 in value with no annual fee.
Key facts
- Annual fee
- C$0
- Purchase APR
- 21.99%
- Network
- MASTERCARD
- Welcome offer
- Most popular Join and earn up to $350 in value with no annual fee.
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Travel | 2x | 2x on eligible travel purchases made through cibc by expedia |
| Everything else | 1x | 1x on all other purchases |
Benefits and perks
- Start building your credit history and automatically earn bonus points in your top 3 spend categories each month.
- 1.5 Adapta points per $1 spent in your top 3 spend categories, including student favourites like clothing, e-games and subscriptions, dining and drinks, and many more; or
- 2 Adapta points per $1 spent on eligible travel purchases made through CIBC by Expedia; or
- 1 Adapta point per $1 spent on all other purchases
- Includes membership to roadside assistance, with access to services such as towing, battery boosting, gas delivery and much more.
Rates and fees
Annual membership fee: C$0. Purchase APR: 21.99%, based on creditworthiness and the Prime Rate.
Rates and fees as published by the issuer and recorded on 9 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the CIBC Adapta™ Mastercard® for Students
What is the annual fee on the CIBC Adapta™ Mastercard® for Students?
The CIBC Adapta™ Mastercard® for Students has an annual fee of C$0.
What rewards does the CIBC Adapta™ Mastercard® for Students earn?
The CIBC Adapta™ Mastercard® for Students earns 2x on travel, 1x on everything else.
Is the CIBC Adapta™ Mastercard® for Students worth it?
The CIBC Adapta™ Mastercard® for Students is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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