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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



We make keeping an eye on your account easy using MyCardInfo.

  • View your current balance and available credit

  • Track rewards points

  • View transaction history

  • Make one-time bill payments

  • Digital payment capabilities for convenient tap and go transactions


MySelect Rewards

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 which supports 86,000 local and national charities across Canada. 
Learn more about MySelect Rewards.

3.9% Balance Transfer Offer

Feel good about reducing your credit card balances.  

If you have more than one credit card, a balance transfer could help consolidate what you owe, streamlining multiple monthly bills into one easy low-interest payment.   

Talk to our experts today to move your balance from any other credit card(s) to a YNCU Mastercard, and benefit from an interest rate as low as 3.9% for the first 6 months. Plus, there is no balance transfer fee! 

This offer will be available from January 1 to December 31, 2023

To qualify for this offer, you must carry a YNCU consumer or business Mastercard at the time of balance transfer (US Dollar card excluded).

To receive the special 3.9% rate balances must be transferred between January 1 to December 31, 2023

Each balance transfer must have a minimum value of $500; multiple transfers are allowed. 

Click here to learn more and apply for a Collabria credit card today!


Get Wise About Your Credit Card

Download the CardWise app or sign up online today. CardWise is the new way to manage your credit card. Use the app or the online platform to view your balance, make payments, report fraud, notify your bank about travel, block merchants, and more - all in one place.

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