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Our Most Popular Credit Cards

1st choice savings cash back world elite mastercard

Cash Back World Elite® Mastercard

★ Earn 4 points for every $1 spent on Grocery and Sustainable Transit1
★ Earn 2 points for every $1 spent on Select Recurring Bills, Digital Streaming, and Dining2
★ Earn 1 point for every $1 spent on all other purchases3
Annual Fee: $120.00
Interest Rate (Purchases): 20.99% Fixed
Card Details
1st choice savings centra visa gold card

Centra Visa* Gold Card

★ 1,000 Welcome Points*
★ 0% balance transfer for 9 months with a one-time 2% fee*
Annual Fee: $50.00
Interest Rate (Purchases): 12.99% Fixed
Card Details
1st choice savings cash back mastercard

Cash Back Mastercard

★ Earn 1 point for every $1 spent on Grocery4, Gas & Sustainable Transit5, Select Recurring Bills & Digital Streaming purchases6
★ Earn 0.5 points for every $1 spent on all other purchases3
Annual Fee: $0.00
Interest Rate (Purchases): 20.99% Fixed
Card Details

Which card fits your lifestyle?

Which card fits your lifestyle?

Features

Redeem points for a variety of rewards such as travel, merchandise, events, or simply credit on your statement!**

To check your balance, see transactions and make payments, simply visit CardWise Online or download CardWise Mobile from your mobile device’s app store.

Cards include robust insurance benefits such as auto rental collision,7 emergency healthcare,8 mobile device insurance,7 and more!

All cards are equipped with 24/7 fraud monitoring, which includes controls and alerts sent directly to your mobile phone.

*Standard text messaging rates apply.

Features


Redeem points for a variety of rewards such as travel, merchandise, events, or simply credit on your statement!**

To check your balance, see transactions and make payments, simply visit CardWise Online or download CardWise Mobile from your mobile device’s app store.

Cards include robust insurance benefits such as auto rental collision,7 emergency healthcare,8 mobile device insurance,7 and more!

All cards are equipped with 24/7 fraud monitoring, which includes controls and alerts sent directly to your mobile phone.

Security Features

*Standard text messaging rates apply.

Everyday Purchases Made Easy

Use your mobile or wearable devices to tap and go wherever contactless payments are accepted.

Pay contactless with your Android phone

Google Pay works anywhere contactless payments are accepted. Just wake up your Android phone and hold it near the reader until you see a checkmark. You don’t even need to open the app.

Set up Google Pay™ in a few easy steps

On your smartphone:

  1. Download the Google Pay app from Google Play or the App Store.

  2. Follow the instructions to add a card or another payment method.

  3. Verify your card if needed. Then you're all set!

On your wearable:

  1. Open Google Pay on the watch

  2. Tap (+) to Add Card

  3. Follow the on-screen prompts to complete the setup.

Where to use Google Pay™

Google Pay works wherever Interac Flash® is accepted. Just look for the Interac Flash logo or contactless symbol at the checkout. Some stores will also display the Google Pay logo.

You can also pay online and in-app wherever the Buy with Google Pay button is displayed.

Add your 1st Choice Savings credit card to Samsung Pay to easily pay for purchases with your Samsung device. Simply wipe up from the home button to access your favorite cards.

  • It’s easy: Hold your device to the payment terminal.

  • It’s secure: Samsung Pay has built-in features to help ensure your accounts are secure.

Adding a card to Samsung Pay® is easy

Samsung Pay is available on the latest Samsung devices: Galaxy S9 & S9+, Galaxy S8 & S8+, Galaxy S7 & S7 edge, Galaxy S6, S6 edge & S6 edge+, Galaxy Note9/Note8/Note5, and Galaxy A8/A5.

Samsung Pay comes pre-installed on most recent Samsung phones. If you don't have the app, you can download it from the Google Play store. You’ll need to be signed in to your Samsung account to use Samsung Pay.

  • Open Samsung Pay and register your Samsung Pay PIN.

  • Follow on-screen instructions to add your credit card and then select your preferred method to verify the card.

  • Select your desired security or authentication options.

Where to use Samsung Pay®

Simply look for the Interac Flash logo or contactless symbol at the checkout. Some stores will also display the Samsung Pay logo. Samsung Pay is available at most payment terminals in Canada

Apple Pay lets you use your Apple® device to pay with your 1st Choice Savings credit card wherever you see the Apple Pay or contactless logo. Paying in stores with Apple Pay is easy, safe, and private. Your card details are not shared during a transaction, keeping your transactions private.

  • It’s quick, convenient, and free to use

  • It’s secure with Touch ID®

Paying With Apple Pay

iPhone 8® or earlier

If using an iPhone 8® or earlier with Touch ID®:

  • Place your finger on the home button and hold the top of your iPhone® within a few centimeters of the contactless reader.

  • You will see 'Done' and a checkmark on the display letting you know your payment was approved. If vibration and sounds are enabled, you will feel a vibration and hear a beep.

iPhone X®

  • Double-click the side button, then glance at iPhone X® to authenticate with Face ID® or enter your passcode.

  • Hold the top of iPhone X® within a few centimeters of the contactless reader until you see ‘Done’ and a checkmark on the display.

Apple Watch®

  • Double-click the side button and hold the display of your Apple Watch® within a few centimeters of the contactless reader. Wait until you feel a gentle tap.

  • You will see ‘Done’ and a checkmark on the display letting you know your payment was approved.

Where To Use Apple Pay

Apple Pay using your 1st Choice Savings credit card works wherever Interac® Flash is accepted. Just look for the Interac® Flash logo or contactless symbol at the checkout. Some stores will also display the Apple Pay logo.


**Terms & conditions apply. Visit https://reward-headquarters.com/groupCollabriaNational/home for more details.
1 If the combined annual GROCERY and SUSTAINABLE TRANSIT purchase volume on a Cash Back World Elite Mastercard or Cash Back Visa Infinite 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.
2 If the combined annual select RECURRING BILLS, DIGITAL STREAMING AND DINING purchase volume on a Cash Back World Elite Mastercard or Cash Back Visa Infinite 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.
3 Reward 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.
4 If annual GROCERIES purchase volume on a Cash Back Card exceeds $5,000 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’ category until January 1 of the following calendar year.
5 If the combined annual GAS and SUSTAINABLE TRANSIT purchase volume on a Cash Back Card exceeds $5,000 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’ category until January 1 of the following calendar year.
6 If the combined annual select RECURRING BILLS and DIGITAL STREAMING purchase volume on a Cash Back Card exceeds $5,000 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’ category until January 1 of the following calendar year.
7 Insurance 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 at collabriacreditcards.ca/insurance. Insurance coverage is subject to change.
8 Insurance 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 for complete details. Insurance coverage is subject to change.
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