CIBC Adapta™ Mastercard® for Students
Annual fee
Free
Welcome bonus
12,000
points
Est. 12-mo value
CA$132
bonus × ¢/pt − fee
Base ¢/pt
1.10
up to 2.3¢ sweet spot
Foreign txn
2.5%
Benefits
2 / 10
// 12,000 pts × 1.1¢ CAD = CA$132
Welcome Offer
Join and earn up to $150 in value with no annual fee
Earn Rates
1.5xTop 3 spend categories monthly
1xAll other purchases
Benefits & Insurance
·Airport Lounge
·No FX Fee
·Car Rental Insurance
·Travel Medical
·Trip Cancellation
·Flight Delay
·Mobile Insurance
✓Purchase Protection
✓Extended Warranty
·Free Checked Bags
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// last updated 2026-06-18 · est. value = welcome bonus × base ¢/pt − annual fee