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 earn ¹.

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

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 Cash Back World Elite Mastercard Bonus Flex Rewards Offer**

Imagine if you could get rewarded for all the little stuff you buy every day. Now, imagine if you could get rewarded 10 times over.

Earn 10x bonus Flex Rewards points on every purchase during your first 90 days when you apply for the Cash Back World Elite^® Mastercard before March 31, 2026.

Unlock a world where luxury meets the everyday. This offer is available for a limited time from January 1, 2026 to March 31, 2026.**

Hertz Free Tank of Gas Offer

There’s a new way to make your next trip go even further

From September 1 to January 31, 2026^†, get your first tank of gas free when you rent for 5 or more days. Use PC# 211893 and CDP ID# 2291897 when you book a qualifying minimum 5+ day rental of an economy through:

Full-Size car or Small SUV (V4),
Minivan (R) or SUV (L).

†Reserve an Economy through Full-Size car or small SUV (Q4), Minivan (R), SUV (L) for at least five days, and receive the first tank of fuel free of charge. Taxes and fees excluded. Promotion Code 211893 must be provided at time of reservation and valid CDP ID#:

Core Cards: 2291897
Premium Cards: 2291898
Business Cards: 2292142

This offer is available for a limited time from September 1, 2025, to January, 31, 2026.**

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.