New cardmembers can earn up to 12,000 Adapta Points + Roadside Assistance, worth roughly $150, by completing the steps below.
How to earn it
3,000 Adapta Points (up to $25 value)Make your first purchase within the first 4 monthly statement periods.
9,000 Adapta Points (up to $75 value toward purchases or up to $100 toward eligible CIBC financial products)Spend at least $1,000 in net purchases within the first 4 monthly statement periods.
Roadside Assistance Membership (approximately $50 value)Included after making your first purchase on the card.
Available to new CIBC Adapta Mastercard for Students cardholders approved beginning April 7, 2026. Offer not available to applicants who have opened, transferred or cancelled another Adapta card within the previous 12 months. Account must be open and in good standing when bonus points are awarded.
How you earn
1.5 Adapta points per $1 spent in your top 3 spending categories each month
1 Adapta point per $1 spent on all other purchases
2 Adapta points per $1 spent on eligible travel bookings through CIBC by Expedia
Top 3 spending categories are automatically identified each month based on your spending patterns
Eligible bonus categories include grocery and drug 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, and pet stores
Redeem Adapta points toward your credit card balance, eligible purchases, or select CIBC financial products
Built-in perks & coverage
Roadside Assistance Membership
Primary cardholders receive roadside assistance services through Dominion Automobile Association, including towing, battery boosting, gas delivery, lockout assistance and more.
Automatic Top 3 Category Optimization
The card automatically identifies your top three spending categories each month and applies bonus earn rates without requiring category selection.
Purchase Security Insurance
Most new personal items purchased with the card are covered against loss, theft or damage for up to 90 days from the purchase date.
Extended Warranty Insurance
Extends the original manufacturer's warranty by up to one additional year on eligible purchases.
Journie Rewards Fuel Savings
Save up to 10 cents per litre at participating gas stations by linking your card to a Journie Rewards account.
SPC+ Membership
Eligible student cardholders can receive a complimentary SPC+ membership with access to discounts, offers and promotions from participating brands.
CIBC Pace It Installment Plans
Convert eligible purchases into fixed monthly installment plans with predictable payments and lower interest rates.
Skip+ Membership Offer
Eligible cardholders can receive a complimentary Skip+ membership with delivery fee savings and monthly vouchers.
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Disney+ Statement Credit Offer
Eligible cardholders may receive statement credits on qualifying Disney+ subscriptions during promotional periods.
Mobile Wallet Compatibility
Use the card with supported mobile wallets including Apple Pay and Google Pay for secure contactless payments.
Mastercard Zero Liability Protection
Protection against unauthorized purchases made through the Mastercard network.
Fraud Alerts
Receive proactive notifications by text, email or phone when suspicious activity is detected.
Digital Disputes Platform
Report and dispute unrecognized transactions directly through CIBC Online Banking or the CIBC Mobile App.
Card Management Tools
Activate cards, lock a missing card, report a lost or stolen card, and manage card settings through digital banking.
Spend Alerts
Set customized alerts to monitor spending activity and receive notifications when nearing your credit limit.
The verdict
What we like
No annual fee
No minimum income requirement
Automatic top 3 category optimization
Roadside assistance included
Student-friendly approval requirements
Worth noting
Low point redemption value
No travel insurance
Foreign transaction fee
Bonus categories change monthly
Limited premium benefits
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