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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.

Collabria Youth Card Acquisition Campaign

We know that building credit is important for youth and post-secondary students. In an effort to support these individuals with building credit or obtaining their first credit card during the back-to-school season, a $75 statement credit will be rewarded to all eligible cardholders that apply between May 15 to July 15, 2023.

Eligible accounts approved between May 15 to July 15, 2023, and activated between May 15 to August 12, 2023, are eligible for this offer. 

Youth and post-student cardholders between the ages of 18-24 who are looking to obtain their first credit card and build credit are eligible for this offer.

The Youth Card Acquisition Incentive will be reflected in cardholder accounts within two (2) statement cycles after August 12, 2023.   

The rebate will appear on the credit card statement with the description “Youth Acquisition Incentive.” 


Welcome Points Offer

Dreaming of a sunny getaway or some extra cash in your pocket? Sign up for an eligible Collabria credit card and receive up to 15,000 welcome reward points! Redeem for your choice of gift cards, travel and event experiences or cash rewards equivalent of up to $150.

Welcome offer is available on the following consumer and business Collabria credit cards:

  • Consumer: Centra Gold Mastercard and World Mastercard - 5,000 points

  • Business: No Fee Cash Back Business Visa or Visa Business Infinite – 15,000 points

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


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!


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