1st Choice Savings - Credit Cards

Take control of your credit card with CardWise! Visit CardWise Online to check your balance, see transactions and make payments. For account management on the go, download CardWise Mobile from your mobile device’s app store!

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Cards with Reward Points give you more. Points add up quickly, and there are limitless possibilities to earn and redeem rewards. For a firsthand look at the available selections, visit the Rewards catalogue!

Rewards Catalogue

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

Centra Visa* Gold Card

★ Earn 1 point for $1 spent on everyday purchases³

★ Purchase Protection & Extended Warranty⁴

Annual Fee:	$50.00
Interest Rate (Purchases):	12.99% Fixed

Card Details

Cash Back Mastercard^®

★ Earn 1 point for every $1 spent on Grocery⁵, Gas & Sustainable Transit⁶, Select Recurring Bills & Digital Streaming purchases⁷

★ Earn 0.5 points for every $1 spent on all other purchases³

Annual Fee:	$0.00
Interest Rate (Purchases):	20.99% Fixed

Card Details


Redeem points for a variety of rewards such as travel, merchandise, events, or simply credit on your statement!* Redeem Points	To check your balance, see transactions and make payments, simply visit CardWise Online or download CardWise Mobile from your mobile device’s app store. Login	Cards include robust insurance benefits such as auto rental collision,⁴ emergency healthcare,⁸ mobile device insurance,⁴ and more! Insurance Details	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.

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

Redeem Points

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

Login

Cards include robust insurance benefits such as auto rental collision,⁴ emergency healthcare,⁸ mobile device insurance,⁴ and more!

Insurance details

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.

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:

Download the Google Pay app from Google Play or the App Store.
Follow the instructions to add a card or another payment method.
Verify your card if needed. Then you're all set!

On your wearable:

Open Google Pay on the watch
Tap (+) to Add Card
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 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 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 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.

5 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.

6 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.

7 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.

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.

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

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

Apple Pay is a trademark of Apple Inc.

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.

®The Collabria Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated

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