A card to fit your life.

We know credit cards aren’t a one size fits all, that’s why we offer a full suite of personal credit cards, so you can choose the one that works best for you. 

No Annual Fees



Cash Back
Mastercard®

FlexRewards | Mobile Device Insurance3
No Fee | 19.90%




Student
Mastercard®

Purchase Protection3 | Mobile Device Insurance3
No Fee | 11.90%



Low Rates



FlexRate
Mastercard®

FlexRewards | Mobile Device Insurance3
$40 | 9.90%-18.90% Variable




Centra Gold
Mastercard®

FlexRewards | Auto Rental Collision Insurance3
$50 | 9.90%




Classic
Mastercard®

Purchase Protection3 | Mobile Device Insurance3
$30 | 11.90%



Travel



Travel Rewards Gold
Mastercard®

FlexRewards | Purchase Protection3| Trip Insurance4
$99 | 19.90%




World
Mastercard®

FlexRewards x2 | Price Protection | Trip Insurance4
$120 | 19.90%




US Dollar
Mastercard®

FlexRewards | Emergency Health Care Coverage4
$50 USD| 19.90%



Get more out of your card.

Our cards have many money saving features available to make your every day purchases that much better.

Purchase Protection & Extended Warranty3

Feel confident in knowing most items purchased with your card are protected if something goes wrong.

Mobile Device Insurance3

We’ll help cover you in case of damage or theft of your mobile device so you can get back in contact right away.

 

Zero Liability2

Shop with confidence – Zero Liability offers you protection against unauthorized use of your card.

Get rewarded for your everyday purchases.  With our FlexRewards program, you earn points just for using your card.  Plus, you can redeem Flex Points for your choice of cash, gift cards, merchandise or travel rewards. 

Browse the FlexRewards Catalogue here.

Cards with FlexRewards give you more. Points add up quickly, and there’s no limit to the number of points you can earn.

Select how to redeem your points from three options:

Cash Back 


Saving money can be simple and easy. Redeem points for cash back in the form of an account credit. 1 point equals $.01 cash back!

Merchandise and Gift Cards

With thousands to choose from, there’s something here for you. Available merchandise and gift items range from electronics and sporting goods to kitchen tools and bestselling books. Or select gift cards to a variety of stores and restaurants. It’s like having a global marketplace at your fingertips.

Travel 


Choose from worldwide flight options on more than 100 airlines. Find the perfect place to stay from more than 80,000 hotel locations. Take a cruise. Get pro and college sports tickets. Go whitewater rafting or visit a spa. Enjoy fine dining. The list of possibilities goes on and on.

Compare all Credit Cards

 

Cash Back  Mastercard®

Classic  Mastercard®

Flex Rate  Mastercard®

Centra Gold  Mastercard®

Travel Rewards Gold Mastercard®

World Mastercard®

Student  Mastercard®

US Dollar  Mastercard®

REWARDS1

1 point for every
$1 spent

DOUBLE points for gas purchases

 

1 point for every
$1 spent

1 point for every
$1 spent

1 point for every
$1 spent

DOUBLE points for purchases in foreign currencies

2 points for every
$1 spent

 

1 point for every
$1 USD spent

GLOBAL CUSTOMER SERVICE

Lost/Stolen Card Reporting Emergency Cash Advance
Emergency Card Replacement Service

Lost/Stolen Card Reporting Emergency Cash Advance
Emergency Card Replacement Service

Lost/Stolen Card Reporting Emergency Cash Advance
Emergency Card Replacement Service

Lost/Stolen Card Reporting Emergency Cash Advance
Emergency Card Replacement Service

Lost/Stolen Card Reporting Emergency Cash Advance
Emergency Card Replacement Service

Lost/Stolen Card Reporting Emergency Cash Advance
Emergency Card Replacement Service

Lost/Stolen Card Reporting Emergency Cash Advance
Emergency Card Replacement Service

Lost/Stolen Card Reporting Emergency Cash Advance
Emergency Card Replacement Service

ZERO LIABILITY2

PRICE PROTECTION

 

 

 

 

 

 

 

PURCHASE PROTECTION AND EXTENDED WARRANTY3

90 days purchase protection and double the manufacturer’s warranty (maximum 1 year)

90 days purchase protection and double the manufacturer’s warranty (maximum 1 year)

90 days purchase protection and double the manufacturer’s warranty (maximum 1 year)

90 days purchase protection and double the manufacturer’s warranty (maximum 1 year)

90 days purchase protection and double the manufacturer’s warranty (maximum 1 year)

90 days purchase protection and double the manufacturer’s warranty (maximum 1 year)

90 days purchase protection and double the manufacturer’s warranty (maximum 1 year)

90 days purchase protection and double the manufacturer’s warranty (maximum 1 year)

MOBILE DEVICE INSURANCE3

 

 

 

 

AUTO RENTAL COLLISION/
LOSS INSURANCE3

 

 

 

Up to 48 days

Up to 48 days

Up to 48 days

 

Up to 48 days

EMERGENCY HEALTH CARE COVERAGE4

 

 

 

 

Up to $5,000,000
Duration of coverage for each trip is established based on the insured’s age group:
Age 59 and under: 48 days
Age 60 to 64: 23 days
Age 65 to 75: 15 days
Age 76 and up: no coverage

Up to $5,000,000
Duration of coverage for each trip is established based on the insured’s age group:
Age 59 and under: 48 days
Age 60 to 64: 23 days
Age 65 to 75: 15 days
Age 76 and up: no coverage

 

Up to $5,000,000 CAD
Duration of coverage for each trip is established based on the insured’s age group:
Age 59 and under: 48 days
Age 60 to 64: 23 days
Age 65 to 75: 15 days
Age 76 and up: no coverage

PROTECTION FOR GRANDCHILDREN TRAVELLING WITH YOU4

 

 

 

 

 

 

 

TRIP CANCELLATION INSURANCE4

 

 

 

 

Cancellation before departure Delayed departure Missed connection
Default of a travel service supplier Up to $2,000

Cancellation before departure Delayed departure Missed connection
Default of a travel service supplier
Up to $2,000

 

Cancellation before departure Delayed departure Missed connection
Default of a travel service supplier Up to $2,000 CAD

TRIP INTERRUPTION INSURANCE4

 

 

 

 

 

LOST OR DELAYED BAGGAGE COVERAGE4

 

 

 

 

Theft or damage: $1,000
Late delivery: $500
Age 59 and under: 48 days
Age 60 to 64: 23 days
Age 65 and up: 15 days

Theft or damage: $1,000
Late delivery: $500
Age 59 and under: 48 days
Age 60 to 64: 23 days
Age 65 and up: 15 days

 

Theft or damage: $1,000
Late delivery: $500
Age 59 and under: 48 days
Age 60 to 64: 23 days
Age 65 and up: 15 days

COMMON CARRIER ACCIDENT PROTECTION4

 

 

 

$125,000

$1,000,000

$1,000,000

 

$1,000,000 CAD

24/7 TRAVEL ASSISTANCE5

 

 

 

 

Included

Included

 

Included

  ANNUAL FEE

$0

$30

$40

$50

$99

$120

$0

$50 USD

ADDITIONAL CARD FEE

$0

$0

$0

$10

$30

$50

$0

$35 USD

ANNUAL INTEREST RATE - PURCHASES

19.90%
Fixed

11.90%
Fixed

Prime + 6.90% to 15.90%
Variable

9.90%
Fixed

19.90%
Fixed

19.90%
Fixed

11.90%
Fixed

19.90%
Fixed

ANNUAL INTEREST RATE - CASH ADVANCES

19.90%
Fixed

11.90%
Fixed

Prime + 6.90% to 15.90%
Variable

9.90%
Fixed

19.90%
Fixed

19.90%
Fixed

11.90%
Fixed

19.90%
Fixed

 

1 REWARDS

Eligibility for rewards and/or account credit is subject to the terms and conditions of the FlexRewards program. For full terms and conditions, visit collabriacreditcards.ca.

2 ZERO LIABILITY

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.

If you believe there has been unauthorized use on your account and you meet the conditions above, you are protected by Zero Liability. If you do not meet the conditions above, please reference your Cardholder Agreement for additional information regarding liability.

3 INSURANCE

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 Solutions®. Assurant Solutions 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 coverage is subject to change.

4 INSURANCE

Insurance coverage is underwritten by Desjardins Financial Security Life Assurance Company. This document is provided for information purposes only. For details of the coverage, refer to the insurance contract or insurance certificate available online at collabriacreditcards.ca. Some conditions and restrictions apply. Insurance coverage is subject to change.

5 24/7 TRAVEL ASSISTANCE

24/7 Travel Assistance is provided by Desjardins Financial Security Life Assurance Company.This document is provided for information purposes only. For details of the coverage, refer to the insurance contract available online at collabriacreditcards.ca.. Eligibility is conditional on the card account being active and in good standing. Coverage is subject to change.

 

 

The products, features, benefits and rewards are valid as of July 1, 2018 unless otherwise noted and are subject to change.

 

The Collabria Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

Eligibility for rewards and/or account credit is subject to the terms and conditions for the Collabria FlexRewards Program.