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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


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No annual fee

Classic Mastercard ® 

With a low interest rate2, purchase protection 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


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Cash rewards

Cash Back Mastercard ® 

Turn your everyday purchases into valuable cash back rewards3 that can be redeemed as an account credit.

Key features:
  • No annual fee
  • 20.99% fixed interest rate (purchases)2
  • Earn cash rewards3
  • Zero liability fraud protection5
  • Purchase protection & extended warranty6
  • Mobile device insurance6
 
Rewards
  • 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 insurance

Rewards:

  • 1 point for every $1 spent on everyday purchases1


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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


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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 coverage


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



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Personal credit card offers


The personal card offers to fit your needs

0% Balance Transfer

2025 0% Balance Transfer*

Pay 0% interest for the first 9 months when you transfer your existing credit card balances for a one-time transfer fee of 2%. 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




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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







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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.



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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.