Credit cards
Make everyday spending more rewarding
Looking for premium rewards1? Low rates2? No annual fee? Cash back3? Choose the credit card that best matches your budget and spending needs.
Everyday rewards that move you
Cashback World Elite® Mastercard
Rewards are waiting with a card that fits your lifestyle.
Key features:
- Cash rewards in the form of a deposit directly into your financial institution's Chequing or Savings account3
- Earn 4 points for every $1 spent on Grocery and Sustainable Transit4
- Zero liability fraud protection5
LEARN MORE
Low interest rate
Classic Mastercard ®
With a low interest rate2, purchase protection6 and lots of other built-in benefits, this card is classic convenience at its best.
Key features:
- $20 annual fee
- 13.99% fixed interest rate (purchases)2
- Zero liability fraud protection5
- Purchase protection6 & extended warranty6
- Mobile device insurance6
LEARN MORE
Cash rewards
Cash Back Mastercard ®
Turn your everyday purchases into valuable cash back rewards3 that can be redeemed as an account credit.
- No annual fee
- 20.99% fixed interest rate (purchases)2
- Earn cash rewards3
- Zero liability fraud protection5
- Purchase protection & extended warranty6
- Mobile device insurance6
- 2 points for every $1 spent on gas7
- 0.5 points for every $1 spent on all other purchases1
Managing your card
Low rates
Centra Gold Mastercard ®
Earn premium rewards on everyday purchases1 with this low annual fee card with an even lower interest rate2 .
Key features:
- $50 annual fee ($10 fee for additional card)
- 12.99% fixed interest rate (purchases)2
- Zero liability fraud protection5
- Purchase protection & extended warranty6
- Mobile device insurance6
Rewards:
- 1 point for every $1 spent on everyday purchases1
LEARN MORE
US purchases
US Dollar Mastercard ®
Goodbye foreign transaction fees, hello reward points. Simplify cross border shopping in the US, or when ordering online from a US website.
Key features:
- $50 USD annual fee ($35 USD fee for additional card)
- 20.99% fixed interest rate (purchases)2
- Zero liability fraud protection5
- Purchase protection & extended warranty6
- Auto rental collision/loss damage insurance6
Rewards:
- 0.5 points for every $1 USD spent on everyday purchases1
LEARN MORE
Premium rewards
World Mastercard ®
Turn everyday spending into a rewarding experience and unlock premium rewards at top retailers with every dollar spent1. Plus, enjoy unique travel benefits like free Wi-Fi at 1 million hotspots worldwide† .
Key features:
- $120 annual fee ($50 fee for additional card)
- 20.99% fixed interest rate (purchases)2
- Zero liability fraud protection5
- Purchase protection & extended warranty6
- Mobile device insurance6
Travel benefits:
- Auto rental collision/loss damage insurance6
- Emergency health care coverage8
- Trip cancellation & interruption insurance8
- Lost or delayed baggage coverage8
Rewards:
- 3 points for every $1 spent on groceries9
- 2 points for every $1 spent on dining/entertainment10
- 1 point for every $1 spent on all other purchases1
LEARN MORE
Borrowing tips
First timer’s guide to credit cards
Before you tap and swipe your way into a bold new financial future, it’s important to have a handle on the basics.
Personal credit card offers
The personal card offers to fit your needs
.png)
0% Balance Transfer
2025 0% Balance Transfer*
Pay 0% interest for the first 12 months when you transfer your existing credit card balances for a one-time transfer fee of 3%. Here’s how you can benefit from our balance transfer offer:
Debt consolidation
- If you have balances on multiple credit cards you can consolidate them onto one credit card, making it easier to manage your payments.
Pay off balance faster
- With a 0% interest rate, more of your payment goes to reducing the principal amount, helping you pay off your outstanding balance much faster.
Save on interest
- Take advantage of the 0% balance transfer rate on your credit union credit card, allowing you to reduce the overall amount that you pay in interest.
*Terms and conditions apply
LEARN MORE
Centra Gold Flex Rewards
2025 Centra Gold Welcome Points*
Simply activate your card, make your first purchase, and spend to unlock up to 2,000 Flex Rewards welcome points*.
Rewards on every purchase
- 1 Flex Rewards point for every dollar spent
- No limit on what you can earn
Insurance and purchase protection
- Zero liability insurance
- Mobile device insurance
- Purchase protection and extended warranty on eligible purchases
Low fee, low rate
- Low $50 annual fee
- 12.99% interest rate
*Terms and conditions apply
LEARN MORE
Borrowing tips
How to avoid common credit card pitfalls
Credit cards are an important part of your financial health and a convenient way to buy what you need. But a little caution can go a long way.
†Terms & conditions apply.
Visit HERE for more details.
1 Reward points are earned on net purchases only. Any Cash-like Transactions including Cash Advances, Balance Transfers, and interest charges, fees, payments, credit or debit adjustments and any amount other than Purchases that may be charged to your Account with your Card or Convenience Cheques, do not qualify for Points. For more information visit collabriacreditcards.ca/rewards.
2 The interest rates are in effect from the date the credit card is approved. For more information, please reference your cardholder agreement or visit online www.collabriacreditcards.ca/cardholder-agreement"
3 The base value of one reward point is equal to one cent (a penny per point). The cash equivalent shown for illustration purposes only is based upon the redemption of these points as a statement credit. The valuation is for cash equivalent only; the value of redeeming for merchandise and travel may vary.
4 If the combined annual GROCERY and SUSTAINABLE TRANSIT purchase volume on a Cash Back World Elite Mastercard exceeds $20,000 in a calendar year, the points earned for all net new purchases after this amount is reached will be associated with the ‘All other purchases’ rate category until January 1 of the following calendar year.
5 Zero Liability applies to your purchases made with your credit card in the store, over the telephone, online or via a mobile device. As a cardholder, you will not be held responsible for unauthorized transactions if:
- You have used reasonable care in protecting your card from loss or theft; and
- You have reported to Cardholder Service at 1.855.341.4643 (Canada and U.S.) or 1.647.252.9564 (International Collect) when you knew that your credit card was lost or stolen.
6 Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc. Details of insurance coverage, including definitions, benefits, limitations and exclusions, are in the Certificate of Insurance. The Certificate of Insurance is available online at collabriacreditcards.ca/insurance. Insurance coverage is subject to change.
7 If the combined annual GAS and SUSTAINABLE TRANSIT purchase volume on a Cash Back Card exceeds $5,000 in a calendar year, the points earned for all new net purchases after this amount is reached are those associated with the ‘All other purchases rate’ category until January 1 of the following calendar year.
8 Insurance coverage is underwritten by Desjardins Financial Security Life Assurance Company. Details of insurance coverage, including number of days of coverage, definitions, benefits, limitations and exclusions are in the Travel Insurance Contract. Please visit collabriacreditcards.ca/insurance for complete details. Insurance coverage is subject to change.
9 If annual GROCERY purchase volume on a World Mastercard exceeds $20,000 in a calendar year, the points earned for all new net purchases after this amount is reached are those associated with the ‘All other purchases rate’ category until January 1 of the following calendar year.
10 If annual combined ENTERTAINMENT and DINING purchase volume on a World Mastercard exceeds $15,000 in a calendar year, the points earned for all new net purchases after this amount is reached are those associated with the ‘All other purchases rate’ category until January 1 of the following calendar year.
® Mastercard, World, World Elite and the circles design are registered trademarks of Mastercard International Incorporated. ®The Collabria Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated.
Collabria Financial Services Inc. (“Collabria”) is an independent entity from your credit union with no ownership interest in the other. If you choose to obtain Collabria credit card services through a referral from your credit union, it will receive compensation from Collabria.
