Join and get up to $100 in valueⓘ with no annual fee.

Show more offer details

Annual fee

$0

Additional cardholders (up to 3)

$0

Purchase interest rateⓘ

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Cash interest rateⓘ

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RDS%rate[2].MPADT.Published(null,null,90,null)(#O2#)% for Quebec residents

Apply now   for the CIBC Adapta Mastercard for Students. Opens a new window.

No minimum income requirement

Canadian students can get a credit limit of up to $5,000ⓘ

International students can get a credit limit of up to $2,000ⓘ

Digital exclusive offer

Enjoy extra cash and all your banking essentials with the CIBC Best Student Life Bundle

How do Adapta pointsⓘ work?

1.5 Adapta points

Top 3 spend categories this month

1 Adapta point

All other purchases

What are the spend categories?

  • Grocery and drug stores
  • Pet stores
  • Dining and drinks
  • Gas and EV
  • Transit and parking
  • Entertainment
  • E-games and subscriptions
  • Home improvement
  • Electronics
  • Clothing
  • Health and beauty
  • Hotels and motels

What are Adapta points worth?

Calculate your Adapta pointsⓘ

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Get the most from your Adapta points

Your top Adapta Mastercard benefits

Roadside assistance for primary cardholdersⓘ

Save up to 10 cents per litre on gas

Pay with your phone

Apply now   for the CIBC Adapta Mastercard for Students. Opens a new window.

More to love about the CIBC Adapta Mastercard for Students

Shop with your pointsⓘ

Redeem your Adapta points to pay for purchases before the bill arrives by shopping with points.ⓘ Or use your Adapta points to help pay down your credit card balance.ⓘ

Learn more about how to use your Adapta points.

Pay at your own paceⓘ

Some purchases can't wait. CIBC Pace It™ helps manage your finances with Installment Plans on your credit card at lower interest rates. Start paying at a pace you choose.ⓘ

Learn more about using Pace It installment plans.

Get a 12-month Skip+ free trial when you link your CIBC credit card with your Skip accountⓘ

Learn more about our partnership with Skip the Dishes.

Security and insurance benefits

Protect your card purchases

Insurance benefits

Security features

Documents

Cardholder Agreement (PDF, 140 KB) Opens a new window.

CIBC Credit Card Summary of Annual Interest Rates and Fees (PDF, 110 KB) Opens a new window.

Credit Card Privacy Disclosures, Terms and Conditions (PDF, 130 KB) Opens a new window.

Adapta Program Terms (PDF, 170 KB) Opens a new window.

Auto Club Handbook (PDF, 170 KB) Opens a new window.

CIBC Adapta Mastercard for Students

Ready to earn more where you spend the most?

Applying takes about 5 minutes, and you'll get a response in as little as 60 seconds.ⓘ

Apply now   for the CIBC Adapta Mastercard for Students. Opens a new window.

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Get started

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