Credit cards
Make everyday spending more rewarding
Looking for premium rewards? Low rates? No annual fee? Cash back? Choose the credit card that best matches your budget and spending needs.
Everyday rewards that move you
Cashback World Elite Mastercard
Rewards are waiting with a card that fits your lifestyle.
Key features:
- Cash rewards in the form of a deposit directly into your financial institution's Chequing or Savings account
- Earn 4 points for every $1 spent on Grocery and Sustainable Transit
- Zero liability fraud protection
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No annual fee
Classic Mastercard
With no annual fee, a low interest rate, purchase protection and lots of other built-in benefits, this card is classic convenience at its best.
Key features:
- No annual fee
- 13.99% fixed interest rate (purchases)
- Zero liability fraud protection
- Purchase protection & extended warranty
- Mobile device insurance
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Cash rewards
Cash Back Mastercard
Turn your everyday purchases into valuable cash back rewards that can be redeemed as an account credit.
- No annual fee
- 20.99% fixed interest rate (purchases)
- Earn cash rewards
- Zero liability fraud protection
- Purchase protection & extended warranty
- Mobile device insurance
- 2 points for every $1 spent on gas
- 1 point for every $1 spent on entertainment
- 0.5 points for every $1 spent on all other purchases
Managing your card
Low rates
Centra Gold Mastercard
Earn premium rewards on everyday purchases with this low annual fee card with an even lower interest rate.
Key features:
- $50 annual fee ($10 fee for additional card)
- 12.99% fixed interest rate (purchases)
- Zero liability fraud protection
- Purchase protection & extended warranty
- Mobile device insurance
Rewards:
- 1 point for every $1 spent on everyday purchases
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US purchases
US Dollar Mastercard
Goodbye foreign transaction fees, hello reward points. Simplify cross border shopping in the US, or when ordering online from a US website.
Key features:
- $50 USD annual fee ($35 USD fee for additional card)
- 19.99% fixed interest rate (purchases)
- Zero liability fraud protection
- Purchase protection & extended warranty
- Auto rental collision/loss damage insurance
Rewards:
- 0.5 points for every $1 USD spent on everyday purchases
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Travel rewards
Travel Rewards Gold Mastercard
The Travel Rewards Gold Mastercard® is no longer available for new applications. If you already have a Travel Rewards Gold Mastercard® card, you still receive the same great benefits of the card.
- Full service maintained on current cards
- Expired, lost/stole cards will continue to be reissued.
- Existing rewards and product Terms and Conditions unchanged
Key features:
- 19.99% fixed interest rate (purchases)
- Zero liability fraud protection
- Purchase protection & extended warranty
- Mobile device insurance
Travel benefits:
- Auto rental collision/loss damage insurance
- Emergency health care coverage
- Trip cancellation & interruption insurance
- Lost or delayed baggage coverage
Rewards:
- 1 point for every $1 spent on all purchases
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Premium rewards
World Mastercard
Turn everyday spending into a rewarding experience and unlock premium rewards at top retailers with every dollar spent. Plus, enjoy unique travel benefits like free Wi-Fi at 1 million hotspots worldwide.
Key features:
- $120 annual fee ($50 fee for additional card)
- 20.99% fixed interest rate (purchases)
- Zero liability fraud protection
- Purchase protection & extended warranty
- Mobile device insurance
Travel benefits:
- Auto rental collision/loss damage insurance
- Emergency health care coverage
- Trip cancellation & interruption insurance
- Lost or delayed baggage coverage
Rewards:
- 3 points for every $1 spent on groceries
- 2 points for every $1 spent on dining/entertainment
- 1 point for every $1 spent on all other purchases
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Personal credit card offers
The personal card offers to fit your needs
0% Balance Transfer
2025 0% Balance Transfer
Pay 0% interest for the first 9 months when you transfer your existing credit card balances for a one-time transfer fee of 2%. Here’s how you can benefit from our balance transfer offer:
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.
Terms and conditions apply
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Centra Gold Flex Rewards
2025 Centra Gold Welcome Points
Simply activate your card, make your first purchase, and spend to unlock up to 2,000 Flex Rewards welcome points*.
Rewards on every purchase
- 1 Flex Rewards point for every dollar spent
- No limit on what you can earn
Insurance and purchase protection
- Zero liability insurance
- Mobile device insurance
- Purchase protection and extended warranty on eligible purchases
Low fee, low rate
- Low $50 annual fee
- 12.99% interest rate
*Terms and conditions apply
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Borrowing tips
How to avoid common credit card pitfalls
Credit cards are an important part of your financial health and a convenient way to buy what you need. But a little caution can go a long way.
Borrowing tips
First timer’s guide to credit cards
Before you tap and swipe your way into a bold new financial future, it’s important to have a handle on the basics.
