Skip to content

Find the YNCU Mastercard that fits your everyday spending and lifestyle

Choose what makes most sense for you. From cash back and lower-rate to rewards, travel, and U.S. dollar options. Compare cards, check fees and rates, and find your perfect match.

  • Cash Back Mastercard®

    No fee | Cash back

    $0 annual fees
    Earn more on groceries, gas, transit, recurring bills, and streaming services. Great when cash is more important than rewards
    Learn more about Cash Back Mastercard®

  • Classic Mastercard®

    No fee | Cash back

    A simple lower-rate card for everyday credit card use. Lower 13.99% purchase interest rate. Includes purchase protection and mobile device insurance
    Learn more about Classic Mastercard®

  • Centra Gold Mastercard®

    Low interest | Travel

    Earn 1 point for every $1 spent on everyday purchases. Lower 13.99% purchase interest rate. Includes purchase protection and mobile device insurance

    Learn more about Centra Gold Mastercard®

  • World Mastercard®

    Rewards | Travel

    Travel rewards and premium benefits for bigger everyday expenses. Earn more on groceries, dining, and entertainment. Includes travel coverage and rental car insurance

    Learn more about World Mastercard®

  • Cash Back World Elite Mastercard®

    Cash Back | Travel

    Higher cash back potential with premium card benefits. Earn more on groceries, transit, recurring bills, streaming, and dining. Includes travel coverage and Mastercard exclusive benefits

    Learn more about Cash Back World Elite Mastercard®

  • US Dollar Mastercard®

    Rewards | Travel

    A practical card for U.S. purchases, travel, and online shopping. No foreign transaction fees on U.S. purchases. Earn 1 point for every $2 USD spent on your cross-border shopping
    Learn more about US Dollar Mastercard®

Compare and find your Mastercard

Find the perfect YNCU Collabria Mastercard® for your lifestyle-whether you want to earn cash back, rack up travel points, keep interest rates low, or shop cross-border in U.S. dollars

Fees and standard services
Mastercard_Black
Mastercard_Black
Annual fee
$0
$50
Reward type
Cash back rewards
Flex reward points
Purchase interest rate
20.99%
12.99%
Cash advance interest rate
22.99%
12.99%
Income required
No minimum
No minimum
Insurance coverage
Purchase protection, extended warranty insurance, and mobile device insurance.
Purchase protection, extended warranty insurance, and mobile device insurance.
Premium benefits
Standard Mastercard benefits, auto rental benefits, and Zero Liability fraud protection.
Standard Mastercard benefits, auto rental benefits, and Zero Liability fraud protection.
More about Cash Back MastercardMore about Centa Gold Mastercard®
Mastercard_Black
Mastercard_Black

Annual fee

$0

$50

Reward type

Cash back rewards

Flex reward points

Purchase interest rate

20.99%

12.99%

Cash advance interest rate

22.99%

12.99%

Income required

No minimum

No minimum

Insurance coverage

Purchase protection, extended warranty insurance, and mobile device insurance.

Purchase protection, extended warranty insurance, and mobile device insurance.

Premium benefits

Standard Mastercard benefits, auto rental benefits, and Zero Liability fraud protection.

Standard Mastercard benefits, auto rental benefits, and Zero Liability fraud protection.

More about Cash Back MastercardMore about Centa Gold Mastercard®

Security you can trust

Bank without the worry thanks to the latest digital safeguards, fraud prevention support, and simple security tips. Visit out security centre.

Stories and articles on banking