*Terms & conditions apply. Visit here for more details.

**Terms & conditions apply. Visit https://reward-headquarters.com/groupCollabriaNational/home for more details.

1 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.

2 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.

3 If 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’ category until January 1 of the following calendar year.

4 If annual combined ENTERTAINMENT and DINING 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’ category until January 1 of the following year.

5 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.

6 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.

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

®Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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