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Mastercard®

 

A card worth settling down with.

Think all cards are made equally? Think again. YNCU Mastercards offer the convenience of acceptance all over the world, along with a wide-range of benefits. 

View our full suite of Mastercards by visiting our Collabria partner site or use our product recommender to find the best card for you.

Become a New Neighbour

 
 
 

Get Wise About Your Credit Card

CardWise is the new way to manage your Collabria credit card. Easily access your card balance, make bill payments, report fraud, notify your bank about travel, block merchants, and more - either online or using the CardWise mobile app. To learn more about the features and benefits of CardWise and how to set up your CardWise account, click here.

Access your CardWise account at cardwiseonline.ca or download the CardWise app on the App Store or Google Play for easy on-the-go account management.
 
 

Rewards Points








YNCU Mastercard rewards cards offer a variety of products and services to choose from.
Points add up quickly, and there’s no limit to the number of points you can earn.
  • Cash rewards in the form of an account credit, or, if you have a Cash Back card a deposit directly into your financial institution's Chequing or Savings account.
  • Select from over 60,000 products ranging from electronics and sporting goods to kitchen tools and more.
  • Gift cards to a variety of stores and restaurants. It’s like having a global marketplace at your fingertips.
  • 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.
  • You can redeem your Rewards points for a digital charitable donation through CanadaHelps.org which supports 86,000 local and national charities across Canada. 
Learn more about Rewards Points.
 
 


Limited Time Offers



2025 0% Balance Transfer Offer

Looking for a better way to manage your credit card debt, but find yourself getting hit with high interest payments every month? Taking a break from interest rates could give you the room you need to get back on track with your financial goals.

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

  • 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.

This offer is available from January 1, 2025, and expires on June 30, 2024.

Click here to learn more.

 *A minimum transfer amount of $500 is required. You can transfer as many balances as your credit card limit allows during the promotional period if each transfer is $500 or more.


2025 Centra Gold Welcome Points

While you’re out there enjoying what life has to offer, be rewarded for the things you buy along the way.

Apply for a Centra Gold now and get up to 2,000 Flex Rewards welcome points! Earn 1,000 points just by making your first purchase and another 1,000 points when you reach $1,500 in qualifying transactions within the first 100 days.

This offer is available from January 1, 2025 and expires on December 31, 2025.

Click here to learn more


2025 Flex Rewards Points Offer

Sign up for a new premium credit card and receive 5,000 Flex Rewards Points with a premium consumer card, or 10,000 Flex Rewards Points with a premium business card after your first purchase.*

This offer is available from January 1, 2025 and expires on February 28, 2025.

The Flex Rewards Program offers a breadth of rewards that allows you to redeem your way. Use your Flex Rewards on gift cards, travel, and entertainment, or even to cover recent card charges on your account through a statement credit. With no expiration dates, Flex Rewards are easy to earn and flexible to use. Excited about earning rewards?

Don't hesitate - seize this incredible offer! 

Visit a branch, call us, or apply online today so you can start getting more out of your new credit card.

Click here to learn more


Youth Credit Card Offer

A good credit score and financial literacy can help you go further in life.  

Apply for a credit card now so you can start building your credit score and gain the skills you need to manage money effectively. To get you started, you will receive a $50 statement credit when you activate your card and make your first purchase within 30 days of activation.

This offer is available from January 01, 2025 to December 31, 2025 to cardholders between the ages of 18* to 24 years old. 

*18, or the age of majority in your home province.

Click here to learn more


New to Canada Offer

We’re here to help guide you on your financial journey so you can thrive in Canada.

Sign up for a new credit card and receive a $50 cash back incentive. With advice on building credit and resources you may need to get started, we’re here to support you through the process.

The $50 cash back offer is available from January 1, 2025 and expires on December 31, 2025.

Click here
to learn more

 
 
 

Enjoy peace of mind with emergency assistance anytime, anywhere. Mastercard Global Service helps you with reporting a lost or stolen card, obtaining an emergency card replacement or receiving an emergency cash advance.

For 24/7 assistance call:
Canada and US: 1-800-622-7747
International Collect: 1-636-722-7111