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undeniable
value in your wallet

Earn up to $360 in rewards*

Apply for a new Cash Back World Elite^® Mastercard before March 31st and get up to 24,000 Flex Rewards points PLUS a $120 annual fee rebate*.

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Up to $360 in rewards*

Get 24,000 Flex Rewards points and a $120 annual fee rebate in the first year*!

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ABOUT THE CARD

Annual Fee: $120
Interest Rate²: 20.99% Fixed
Travel Insurances including Auto Rental/Loss Damage³, Emergency Health Care⁴and Baggage Coverage⁴
Purchase Protection³ and Extended Warranty³

See card details

Rewards

4 points for every $1 spent on grocery and sustainable transit⁵

2 points per $1 spent on select recurring bills, digital streaming, and dining⁶

1 point for every $1 spent on all other purchases¹

Cash rewards can be transferred directly to your chequing or savings account⁷

Must have Minimum Annual Income of $80,000 individual or a Minimum Household Income of $150,000 to qualify.

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Unsure which card is right for you?

How it works:

Step 1:

Apply for the card

Apply for the Cambrian Cash Back World Elite Mastercard between January 1, 2026 and March 31, 2026*.

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Apply online, book a meeting, or call us – we can help!

Step 2:

Approval & activation

- Once approved, you’ll receive your card in the mail.

- Activate your card between September 1, 2025 and October 31, 2025*.

Step 3:

Get your Flex Rewards points and rebate*!

- Your first 10,000 Flex Rewards points will be received after activation and first purchase.

- Receive 30,000 more Flex Rewards points when you reach the qualifying transaction amount* within 100 days of the account opening.

- Eligible cardholders will see the first annual fee rebate reflected on their - account within two statement cycles (subject to application approval and card activation).

*Terms and Conditions

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Three ways to redeem your rewards

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Apply online or book online to meet with an advisor via

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*Terms & Conditions apply. See more details here.

†Terms & conditions apply. Visit Home | Flex Rewards for more details.

¹Reward points are earned on net purchases only. Any Cash-like Transactions including Cash Advances, 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 interest rates are in effect from the date the credit card is approved. For more information, please reference your cardholder agreement or visit online

³Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc. Details of insurance coverage, including definitions, benefits, limitations and exclusions, are in the Certificate of Insurance. The Certificate of Insurance is available online here. Insurance coverage is subject to change.

⁴Insurance coverage is underwritten by Desjardins Financial Security Life Assurance Company. Details of insurance coverage, including number of days of coverage, definitions, benefits, limitations and exclusions are in the Travel Insurance Contract. Please visit collabriacreditcards.ca/insurance.aspx for complete details. Insurance coverage is subject to change.  

⁵If the combined annual GROCERY and SUSTAINABLE TRANSIT purchase volume on a Cash Back World Elite® Mastercard card exceeds $20,000 in a calendar year, the points earned for all net new purchases after this amount is reached will be associated with the ‘All other purchases' rate category until January 1 of the following calendar year.  

⁶If the combined annual SELECT RECURRING BILLS, DIGITAL STREAMING AND DINING purchase volume on a Cash Back World Elite® Mastercard card exceeds $20,000 in a calendar year, the points earned for all net new purchases after this amount is reached will be associated with the ‘All other purchases' rate category until January 1 of the following calendar year.  

⁷The 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."  

⁸If annual GROCERY purchase volume on a World Mastercard exceeds $20,000 in a calendar year, the points earned for all new net purchases after this amount is reached are those associated with the ‘All other purchases rate’ until January 1 of the following calendar year.  

⁹If annual DINING and ENTERTAINMENT purchase volume on a World Mastercard exceeds $15,000 in a calendar year, the points earned for all new net purchases after this amount is reached are those associated with the ‘All other purchases rate’ until January 1 of the following calendar year.  

™Google and the Google Pay logo are trademarks of Google LLC.  

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries and regions.

^®Samsung and Samsung Pay are trademarks of Samsung Electronics Co., Ltd.

The Collabria Card is issued by Collabria Financial Services Inc. pursuant to a license.

^®The Collabria Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated. Mastercard, World Mastercard, World Elite, and the circles design are registered trademarks of Mastercard International Incorporated  

^®The Cambrian Credit Union Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated. Mastercard, World Mastercard and World Elite Mastercard are registered trademarks and the circles design is a trademark of Mastercard International Incorporated.  

Collabria Financial Services Inc. (“Collabria”) is an independent entity from your credit union with no ownership interest in the other. If you choose to obtain Collabria credit card services through a referral from your credit union, it will receive compensation from Collabria.