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Vision Visa* and Mastercard® credit cards

From cash back on your everyday purchases1 to valuable travel insurance benefits2, we have a Visa* or Mastercard® to suit​.

 

Classic Mastercard®

The straightforward Mastercard for convenience and affordability: no annual fee, a low-interest rate3, and mobile device Insurance5. It’s everything you need without the frills.

 

Card benefits/details snapshot:

  • Annual fee: None
  • Interest rate (purchases)3: fixed
  • Zero liability fraud protection6
  • Purchase protection & extended warranty5
  • Mobile device insurance
  • And more!
 
​

US Dollar Mastercard®

Whether you travel to the United States or shop online with a US company, you can earn the privileges you deserve** and skip the foreign transaction fees.

 

Card benefits/details snapshot:

  • Annual fee: $50.00 USD (additional card $35 USD)
  • Interest rate (purchases)3: fixed
  • Zero liability fraud protection6
  • Earn reward points1
  • Auto rental collision/loss damage insurance5
  • Purchase protection and extended warranty5
  • And more!

World® Mastercard

The World Mastercard is your key to earning the privileges you deserve. You'll be rewarded with unique benefits and exceptional service wherever you go**. You’ll earn 3 points per $1 spent on grocery purchases7, 2 points per $1 spent on dining and entertainment purchases8, and 1 point per $1 spent on all other purchases1. 

 

Card benefits/details snapshot:

  • Annual fee: $120 (additional card: $50)
  • Interest rate (purchases)3: fixed
  • 24/7 travel assistance, emergency health care and baggage coverage2
  • Auto rental collision/loss damage insurance5
  • Purchase protection and extended warranty insurance5
  • Mobile device insurance5
  • Zero liability fraud protection6
  • Trip Cancellation & Interruption Insurance2
  • Lost or Delayed Baggage2
  • Protection For Grandchildren Travelling With You2
  • And more!
Minimum annual income: $60,000 individual / $100,000 household

Cash Back World Elite® Mastercard

Earn perks that fit the way you live your life - from purchase protection5 to coverage for your mobile device5, to travel assistance2 and car rental protection5 with our World Elite® Mastercard. You’ll earn 4 points for every $1 spent on Grocery and Sustainable Transit9, 2 points for every $1 spent on select recurring bills, digital streaming and dining10, and earn 1 point for every $1 spent on all other purchases1.


 

Card benefits/details snapshot:

  • Annual fee: $120 (additional card: $50)
  • Interest rate (purchases)3: fixed
  • 24/7 travel assistance, emergency health care and baggage coverage2
  • Auto rental collision/loss damage insurance5
  • Purchase protection and extended warranty insurance5
  • Mobile device insurance5
  • Zero liability fraud protection6
  • And more!


Minimum annual income: $80,000 individual / $150,000 household

Cash Back Visa* Card

Whether it’s groceries, gas or movie tickets, with the Cash Back Visa*, it all adds up to cash4 back. Best of all, there’s no annual fee! Earn two points per $1 spent on gas purchases11, one point per $1 spent on digital streaming12, and 0.5 points per $1 spent on all other purchases1.

 

Card benefits/details snapshot:

  • Annual fee: none
  • Interest rate (purchases)3: fixed
  • Zero liability fraud protection6
  • Purchase protection and extended warranty5
  • Mobile device insurance5
  • Visa benefits†
  • And more!

Centra Visa* Gold Card

Premium rewards meet low rates with the Centra Visa* Gold Card. Collect valuable reward points1 on the purchases you make on a regular basis while safeguarding your expenses with fees and interest rates3 that won’t break the bank. 

 

Card benefits/details snapshot:

  • Annual fee: $50 (additional card: $10)
  • Interest rate (purchases)3: fixed
  • Zero liability fraud protection6
  • Earn reward points1
  • Mobile device insurance5
  • Purchase protection and extended warranty5
  • And more!

Talk to a friendly member service specialist at your local branch.

Call 1.855.341.4643
Go online to collabriacreditcards.ca/visioncreditunion

Learn more and apply. It’s easy!


†Terms & conditions apply. Visit (insert hyperlink to https://www.collabriacreditcards.ca/affiliate_vision-credit-union/benefits/visa-benefits/visa-benefits/default.aspx) 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 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.

3 The interest rates are in effect from the date the credit card is approved. For more information, please reference your cardholder agreement or visit online www.collabriacreditcards.ca/cardholder-agreement.

4 The 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.

5 Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries, and affiliates carry on business in Canada under the trade 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.

6 Zero Liability applies to your purchases made with your credit card in the store, over the telephone, online or via a mobile device. As a cardholder, you will not be held responsible for unauthorized transactions if:
 
1. You have used reasonable care in protecting your card from loss or theft; and
2. You have reported to Cardholder Service at 1.855.341.4643 (Canada and U.S.) or 1.647.252.9564 (International Collect) when you knew that your credit card was lost or stolen.
 
If you believe there has been unauthorized use on your account and you meet the conditions above, you are protected by Zero Liability.

7 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.

8 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 calendar year.

9 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.

10 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.

11 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.

12 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.
Collabria trademark is Collabria Financial Services’ property.
* Trademark of Visa Int., used under license. The Collabria Visa Cards is issued by Collabria Financial Services Inc. pursuant to a license from Visa.
® Mastercard, World, World Elite 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.
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