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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CardWise

Rewards

Special Offers

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.

¹Reward 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"
²The 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

2025 0% Balance Transfer Offer**

Looking for a better way to manage your credit card debt, but find yourself getting hit with high interest payments every month? Taking a break from interest rates could give you the room you need to get back on track with your financial goals.

Pay 0% on interest for the first 9 months when you transfer your existing credit card balances to a YNCU Credit Card for a one-time transfer fee of 2%.*

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 1, 2025, and expires on December 31 , 2025.**

2025 Centra Gold Welcome Points**

While you’re out there enjoying what life has to offer, be rewarded for the things you buy along the way.

Apply for a Centra Gold now and get up to 2,000 Flex Rewards welcome points**!Earn 1,000 points just by making your first purchase and another 1,000 points when you reach $1,500 in qualifying transactions within the first 100 days.**

This offer is available from January 1, 2025 and expires on December 31, 2025.**

2025 Premium Flex Rewards Offer**

Everyday rewards or travel benefits? The choice is yours!

Get rewarded this fall! Earn up to 40,000 Flex Rewards points** when you get started with one of the eligible cards below.

How to Earn Your Points:

Earn 10,000 Flex Rewards points when you make your first purchase within 40 days of opening your account.
Earn an additional 30,000 Flex Rewards points by spending $5,000 in qualifying purchases within the first 100 days.

This offer is available for a limited time from September 1, 2025, to October 31, 2025.**

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

¹Reward 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"
²The 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.