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Cash Back Mastercard
Earn cash rewards for everyday purchases.
- Annual Fee: None
- Interest Rate (Purchases): 20.99% Fixed
- Zero Liability Fraud Protection1
- Earn Cash Rewards2
- Earn Reward Points3:
- Earn 1 point for every $1 spent on gas4 & sustainable transit, grocery, select recurring bills & digital streaming
- Earn 0.5 points for every $1 spent on all other purchases 3
- Earn 1 point for every $1 spent on gas4 & sustainable transit, grocery, select recurring bills & digital streaming
- Purchase Protection6 & Extended Warranty Insurance6
- Mobile Device Insurance6
Centra Gold Mastercard
A perfect balance of premium rewards and low rates.
- Annual Fee: $50.00
- Interest Rate (Purchases): 12.99% Fixed
- Zero Liability Fraud Protection1
- Earn Reward Points2: 1 point for every $1 spent on all purchases
- Mobile Device Insurance6
- Purchase Protection & Extended Warranty Insurance6
Classic Mastercard
Credit card convenience. Simple, easy, and smart.
- Annual Fee: None
- Interest Rate (Purchases): 13.99% Fixed
- Zero Liability Fraud Protection1
- Purchase Protection & Extended Warranty Insurance6
- Mobile Device Insurance6
US Dollar Mastercard
Carry the card that's as rewarding as your US travel.
- Annual Fee: $50.00 USD
- Interest Rate (Purchases): 20.99% Fixed
- Zero Liability Fraud Protection1
- Earn Reward Points2: 0.5 point for every $1 USD spent
- Auto Rental Collision/Loss Insurance6
- Purchase Protection & Extended Warranty6
World Mastercard
A wide world of privileges.
- Annual Fee: $120.00
- Interest Rate (Purchases): 20.99% Fixed
- Zero Liability Fraud Protection1
- Earn Reward Points2:
- Earn 3 points for every $1 spent on grocery purchases7
- Earn 2 points for every $1 spent on dining and entertainment purchases8
- Earn 1 point for every $1 spent on all other purchases3
- Auto Rental Collision/Loss Damage Insurance6
- Purchase Protection & Extended Warranty6
- Emergency Health Care Coverage9
- Trip Cancellation & Interruption Insurance9
- Lost or Delayed Baggage9
- Protection For Grandchildren Travelling With You9
- 24/7 Travel Assistance9
Cash Back World Elite Mastercard
Earning maximum rewards 3, travel insurances 9, services, and features.
While especially beneficial to higher spenders, this card will gain points for all users with the following conversions:
Points Breakdown
Points Breakdown
- 4 points for every $1 spent on groceries and sustainable transit10
- 2 points for every $1 spent on select recurring bills, digital streaming, and dining11
- 1 point for every $1 spent on all other purchases3
- Travel Medical Coverage for 15 days (65 and under)9
- Purchase Protection + Extended Warranty Insurance6
- Mobile Device Insurance6
- Auto Rental Collisione6 / Loss Damage Insurance6
Terms & Conditions
*Terms and conditions apply. Visit reward-headquarters.com/groupCollabriaNational/home for more details.
**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.
2The 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.
3Reward 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
4If annual GAS 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.
5If annual ENTERTAINMENT 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.
6Insurance 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.
7If 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.
8If 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.
9Insurance 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.
10If 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.
11If the combined annual select RECURRING BILLS, DIGITAL STREAMING AND DINING 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.