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Credit Cards



Our credit card suite of products offers six different Mastercard solutions to suit your needs.

Choose from no fee, U.S. dollar, travel, and everything in between.

Plus, earn and redeem points on a variety of credit card products with FlexRewards. With FlexRewards, you get the choice, flexibility, and control of point redemption through travel, gift cards, merchandise, or cash back.

Get the credit card solution you need today.

Cash Back Mastercard
Earn cash rewards for everyday purchases.

  • Annual Fee: None
  • Interest Rate (Purchases): 20.99% Fixed
  • Zero Liability Fraud Protection
  • Earn Cash Rewards
  • Earn Reward Points: 
    • Earn 1 point for every $1 spent on gas & sustainable transit, grocery, select recurring bills & digital streaming
    • Earn 0.5 points for every $1 spent on all other purchases
  • Purchase Protection & Extended Warranty Insurance
  • Mobile Device Insurance
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 Protection
  • Earn Reward Points: 1 point for every $1 spent on all purchases
  • Mobile Device Insurance
  • Purchase Protection & Extended Warranty Insurance
Classic Mastercard
Credit card convenience. Simple, easy, and smart.

  • Annual Fee: None
  • Interest Rate (Purchases): 13.99% Fixed
  • Zero Liability Fraud Protection
  • Purchase Protection & Extended Warranty Insurance
  • Mobile Device Insurance
US Dollar Mastercard
Carry the card that's as rewarding as your US travel.


  • Annual Fee: $50.00 USD
  • Interest Rate (Purchases): 19.99% Fixed
  • Zero Liability Fraud Protection
  • Earn Reward Points: 0.5 point for every $1 USD spent
  • Auto Rental Collision/Loss Insurance
  • Purchase Protection & Extended Warranty
World Mastercard
A wide world of privileges.

  • Annual Fee: $120.00 
  • Interest Rate (Purchases): 20.99% Fixed
  • Zero Liability Fraud Protection
  • Earn Reward Points:
    • Earn 3 points for every $1 spent on grocery purchases
    • Earn 2 points for every $1 spent on dining and entertainment purchases
    • Earn 1 point for every $1 spent on all other purchases
  • Boingo Wi-Fi at 1 million hotspots worldwide
  • Auto Rental Collision/Loss Damage Insurance
  • Purchase Protection & Extended Warranty
  • Emergency Health Care Coverage
  • Trip Cancellation & Interruption Insurance
  • Lost or Delayed Baggage
  • Protection For Grandchildren Travelling With You
  • 24/7 Travel Assistance
Cash Back World Elite Mastercard 

Earning maximum rewards, travel insurances, services, and features.



While especially beneficial to higher spenders, this card will gain points for all users with the following conversions:

Points Breakdown
  • 4 points for every $1 spent on groceries and sustainable transit
  • 2 points for every $1 spent on select recurring bills, digital streaming, and dining
  • 1 point for every $1 spent on all other purchases
Features & Benefits
  • Travel Medical Coverage for 15 days (65 and under)
  • Purchase Protection + Extended Warranty Insurance
  • Mobile Device Insurance
  • Auto Rental Collision / Loss Damage Insurance

Current Promotions

Check out the latest promotional offers! 

Balance Transfer - 0% For 9 Months
0% for 9 months on balance transfers to most personal cards. A one-time, 2% fee on the amount of each balance transferred will be charged at the time of booking. 
Learn More
New To Canada 
New to Canada members get a one-time $50 statement credit, when they open a credit card. 
Learn More
5,000 Welcome Points 
Unlock up to 5,000 Welcome Points after your first purchase.
Learn More
Youth Credit Offer
Build credit for the life you want.
Learn More

Digital Wallets

Making purchases is easier than ever with Access 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 protection.

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.

Travel Tips

Travelling outside of Canada? It's important to be safe and prepared, especially when it comes to your money. Read some tips below for how to prepare for your next trip.

Paying at the pump

Some gas stations in the US will require you to enter a ZIP code in order to pay at the pump. If you are staying in the US the ZIP code of your temporary location won't work as it needs to be connected to your Collabria MasterCard billing address.

Solution:
If asked for your ZIP code you can enter the numbers in your postal code followed by two zeroes.

Example:

If your postal code is A1B 2C3
Your entered ZIP code should be 12300

Other Tips

Be prepared for your trip by planning your spending and bringing along secure methods of payment. Your Collabria MasterCard has zero liability so you can make purchases with comfort.

Your card also comes equipped with chip technology for a more secure way to pay.

For more on security features please visit Mastercard Safety & Security
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