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*Terms & Conditions apply. Visit our website 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.