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Mastercard®

 

A card worth settling down with.

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

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

Become a New Neighbour

Join Today
 
 
 

Get Wise About Your Credit Card

CardWise is the new way to manage your 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 earn1.
  • 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 account2.
  • 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 Flex Rewards points for a digital charitable donation through CanadaHelps.org which supports 86,000 local and national charities across Canada.*
Learn more about Flex Rewards Points.

1 Reward points are earned on net purchases only. Any Cash-like Transactions including Cash Advances, Balance Transfers, and interest charges, fees, payments, credit or debit adjustments and any amount other than Purchases that may be charged to your Account with your Card or Convenience Cheques, do not qualify for Points. For more information visit collabriacreditcards.ca/rewards"
2 The base value of one reward point is equal to one cent (a penny per point). The cash equivalent shown for illustration purposes only is based upon the redemption of these points as a statement credit. The valuation is for cash equivalent only; the value of redeeming for merchandise and travel may vary."
*Terms & conditions apply. Visit here for more details."
 
 


Limited Time Offers


2026 Balance Transfer Offer**

Pay 0% interest for the first 9 months when you transfer your existing credit card balances for a one-time transfer fee of 3%. 

Here’s how you can benefit from our balance transfer offer:

  • 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 July 01, 2026 and expires on December 31, 2026. **

2026 Summer Sweepstakes**

From colourful coastlines to unforgettable moments… Atlantic Canada is calling. This summer, we’re giving one lucky member the chance to experience the best of Canada’s East Coast.

How to Enter

Step 1: Apply

All it takes to enter is applying for a credit union credit card.

Step 2: Get approved

Applications must be approved between July 1 and September 30, 2026 to be eligible.†

Step 3: You’re entered to win

That’s it — you’re automatically entered into the draw.

Click Here to learn more.

2026 Fall Premium Flex Rewards Campaign*

Reward your everyday.

Rewards and low rates, together in one card.

Apply, activate, and earn: Apply and activate your Centra Gold card1, then make qualifying purchases between September 14 and December 31, 2026 to earn up to 7,500 bonus Flex Rewards points.†

Here’s how you can earn up to 7,500 Flex Rewards points:†

Step 1: Activate and get started

Activate your card and make a purchase to earn 1,250 Flex Rewards points.

Step 2: See rewards build over time

Once you reach the qualifying spend amount, you’ll unlock an additional 1,250 Flex Rewards points.

Step 3: Celebrate a milestone

Once you reach the secondary qualifying spend amount and the annual threshold, you'll receive an additional 5,000 Flex Rewards points within two (2) statement cycles as a thank-you.

†For more information on eligibility, please review the offer terms and conditions.

 
Apply Now
 
 

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

1 Reward points are earned on net purchases only. Any Cash-like Transactions including Cash Advances, Balance Transfers, and interest charges, fees, payments, credit or debit adjustments and any amount other than Purchases that may be charged to your Account with your Card or Convenience Cheques, do not qualify for Points. For more information visit collabriacreditcards.ca/rewards"
2 The base value of one reward point is equal to one cent (a penny per point). The cash equivalent shown for illustration purposes only is based upon the redemption of these points as a statement credit. The valuation is for cash equivalent only; the value of redeeming for merchandise and travel may vary."
†Terms & conditions apply. Visit here for more details.
*Terms & conditions apply. Visit here for more details.
**Terms & conditions apply. Visit here for more details.
®Mastercard, World, World Elite and the circles design are registered trademarks of Mastercard International Incorporated. ®The Collabria Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated. 
Collabria trademark is Collabria Financial Services’ property.

 
 
 
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2026 Your Neighbourhood Credit Union Limited. All rights reserved.

Your Neighbourhood Credit Union (YNCU) is a licensed credit union operating in, and under the laws of, the province of Ontario. Eligible deposits in registered accounts have unlimited coverage through the Financial Services Regulatory Authority (FSRA). Eligible deposits (not in registered accounts) are insured up to $250,000 through the Financial Services Regulatory Authority (FSRA) .

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