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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.

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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 12 months when you transfer your existing credit card balances for a one-time transfer fee of 3%. 

  • 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 01, 2026 and expires on June 30, 2026.**

2026 1st Year Fee Rebate Plus Bonus Flex Rewards**

Life doesn’t slow down, and your card shouldn’t either. Enjoy rewards built for everyday life, along with protection and benefits that support what matters most.

Apply for a  Cash Back World Elite® Mastercard or World® Mastercard and activate between April 1 and June 30, 2026, to enjoy a $120 first year fee rebate†. You can also earn a bonus Flex Rewards points worth $100 in cash value†. That’s $220† in total value to start strong.

Click Here to learn more.


 
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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