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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.

2024 0% Balance Transfer Offer

Don’t let high credit card interest rates stand in the way of your financial progress. Make the smart move with your credit and take advantage of our 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 2%. 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 January 1, 2024, and expires on June 30, 2024.

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

 *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.

2024 Welcome Points Offer

Apply, Spend, and Earn Welcome Points!

Sign up for a new credit card and get up to 5,000* Welcome Points after your first purchase.

With Flex Rewards, you'll discover a large assortment of Reward Points redemption options, whether you're looking to travel, shop, or indulge in unique experiences.

This offer is available from January 1, 2024, and expires on December 31, 2024.

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

*Terms and conditions apply. Click here to view which cards are eligible for this offer.

2024 Mastercard® Travel Spend Campaign

From February 1, 2024 to April 30, 2024, Mastercard® Consumer and Business cardholders will have the chance to be entered to win one of the following six (6) prizes with every travel purchase they make outside of Canada on their Mastercard card consumer and business credit.

  • Grand Prize: One (1) prize of CAD $5,000 in Mastercard Prepaid Cards
  • Secondary Prizes: One (1) of five (5) Mastercard Prepaid Cards each valued at CAD $500.
As this is a Mastercard® led initiative, all Mastercard® issuers have been enrolled at no charge.

2024 Spring Fee Rebate Campaign

Spring cleaning is not the only thing we’re looking forward to in April... 

Members that apply for a new eligible card between April 1, 2024 to May 31, 2024, approved and activated new or upgraded card accounts will receive a rebate of the first year annual fee on their primary card!

This campaign can be combined with the “Always On” Welcome Points offer (for new cardholders only), equating up to $170 in total cash equivalent during this promotion period.

First year annual fee rebate will reflect in an eligible new primary cardholder account within two (2) statement cycles, following application approval and card activation.

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