Access Credit Union - Mastercards to suit your business needs

Low Rate Business Mastercard®

The practical solution for business purchases.

Keep costs down while streamlining expense reporting to help budgeting easier.

Annual Fee: $25.00
Interest Rate (Purchases): 12.99%
Interest Rate (Cash Advances): 12.99%
Zero Liability Fraud Protection¹
Purchase Protection² & Extended Warranty²

Learn More

No Fee Cash Back Business Mastercard®

The smart way to make the most of your company's purchases.

Allows you to earn cash back³ for the purchases your business regularly makes.

Annual Fee: None
Interest Rate (Purchases): 19.99% Fixed
Earn Cash Back
Zero Liability Fraud Protection¹
Purchase Protection² & Extended Warranty²
Earn 0.5 points for every $1 spent⁴

Learn More

World Elite® Business Mastercard

Elite privileges for your business.

Build valuable rewards⁴ for your business with the credit card that helps you conveniently manage business expenses.

Annual Fee: $130.00
Interest Rate (Purchases): 20.99% Fixed
Earn Reward Points⁴
Waiver of Liability Program⁵
Purchase Protection² & Extended Warranty²
Trip Cancellation⁶ & Interruption Insurance⁶
Lost or Delayed Baggage Coverage⁶
Earn 1.5 points for every $1 spent on business purchases⁴

Learn More

0.0% Balance Transfer Offer**

Simply your finances with 0% on the Balance Transfer for 9 months**

One-time transfer fee of 2% applies.**

Learn More

Bonus Reward Points Offer**

Earn up to 5,000 bonus points when opening a select new credit card.**

Learn More

Making purchases is easier than ever with our Collabria® credit cards. No matter which way you pay, you will continue to earn eligible rewards, benefits, and security.

When you use mobile payments, your credit card number is never saved or stored. Instead a token is created, replacing the actual credit card number with a special number for making payments with a one-time use security code. If you ever do have fraud on your card, you're protected with Zero Liability protection¹.

Find out more about Collabria’s mobile payment suite.

Apple Pay

Make quick, secure payments using your Collabria credit card on the Apple Pay app.

Apple Pay offers an easy, secure, and private way to pay on iPhone, iPad, Apple Watch, and Mac.

Your credit card can be used to pay on-the-go at merchants who accept contactless payments, in participating apps, and on the web. Apple Pay will provide real-time notifications and details for your purchases when you use Apple Pay on iPhone or iPad.

Google Pay™

Load your Collabria credit card to your Android mobile device on the Google Pay™ app to make quick, secure payments.

Google Pay™ offers an easy, secure, and convenient way to pay on Android devices.

Collabria credit cards can be used to pay on-the-go at merchants who accept contactless payments, in participating apps, and on the web. Google Pay™ will provide real-time notifications and details for your purchases when you use Google pay™ on your Android device.

Samsung Pay®

Use your Collabria credit card with your Samsung® device to make quick and secure payments.

Samsung Pay® offers the convenience and security of contactless payments by simply hovering your phone or wearable over the merchant's card reader to complete the purchase.

All Collabria Credit Cards can be loaded into the Samsung Pay® Wallet by downloading the app from the Apps menu. Samsung Pay® uses several layers of security and does not store or share cardholder information.

*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.

**Terms & conditions apply. Visit https://www.collabriacreditcards.ca/affiliate_access-credit-union/offers/ for more details.

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.

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries and regions.

™Google and the Google Pay logo are trademarks of Google LLC.

® Samsung and Samsung Pay are trademarks of Samsung Electronics Co., Ltd.

¹Zero 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; an
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.

If you believe there has been unauthorized use on your account and you meet the conditions above, you are protected by Zero Liability.

²Insurance 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.

³The 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. points are earned on net purchases only. Any Cash-like Transactions including Cash Advances, 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

⁴Reward 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

⁵This program is provided by Collabria Financial Services Inc. Assurant Services Canada Inc. (Assurant) is the administrator of the program.

⁶Insurance 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.