CIBC Adapta Mastercard for Students
No Annual Fee Student Rewards

CIBC Adapta Mastercard for Students

CIBC CIBC
Welcome Bonus: Join and earn up to $150 in value with no annual fee
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Secure RateBuddy connection · Application completed on CIBC’s site
Annual Fee $0
Purchase APR 21.99%
Cash Advance 22.99%
Bonus Value $150

RateBuddy Verdict

The Good
  • Includes complimentary Roadside Assistance, an incredibly high-value perk for a student card with no annual fee.
  • Automatically maximizes rewards by giving 1.5x points in the top 3 categories where you spend the most each month.
  • Free SPC+ membership provides substantial discounts at hundreds of popular retail and food brands.
The Trade-offs
  • Adapta points have a relatively low redemption value (approx. 0.67 cents per point) for statement credits.
  • Credit limits are strictly capped ($5,000 for domestic students, $2,000 for international), which may be limiting for some.
  • Lacks all travel-related insurance and mobile device protection.

Rewards & Earnings

Groceries 1.50%
Dining 1.50%
Gas 1.50%
Travel 2%
Recurring Bills 1%
Base Rate 1%
Rewards Summary: Dynamic Earn: 1.5 pts per $1 in your Top 3 Spend Categories; CIBC by Expedia: 2 pts per $1; Base Earn: 1 pt per $1; Perk: Free Roadside Assistance & Free SPC+ Membership.

Welcome Bonus Details

Join and earn up to $150 in value with no annual fee

Estimated Value: $150

Features & Benefits

No Annual Fee
No annual fee
Free Checked bag
Complimentary Roadside Assistance (DAA)
Extended Warranty Insurance
Included
Purchase Security Insurance
Included
Annual fee rebate with selected account
Free SPC+ Membership included

Insurance Coverage

Purchase Security: 90 days; Extended Warranty: +1 Year; Note: This card does not include Travel, Medical, or Car Rental insurance.

Rates, Fees & Eligibility

Purchase APR21.99%
Cash Advance APR22.99%
Annual Fee$0
Income Required No specific requirement listed.
Recommended Credit Score—

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Filed Under

No Annual Fee Student Rewards
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