Access Credit Union - Mastercard solutions to suit your needs

Cash Back Mastercard

Earn cash rewards for everyday purchases.

Annual Fee: None
Interest Rate (Purchases): 19.99% Fixed
Zero Liability Fraud Protection
Earn Cash Rewards
Earn Reward Points:
- Earn 2 points for every $1 spent on gas purchases
- Earn 1 point for every $1 spent on entertainment purchases
- Earn 0.5 points for every $1 spent on all other purchases
Purchase Protection & Extended Warranty
Mobile Device Insurance

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Centra Gold Mastercard

A perfect balance of premium rewards and low rates.

Annual Fee: $50.00
Interest Rate (Purchases): 11.99% Fixed
Zero Liability Fraud Protection
Earn Reward Points: 1 point for every $1 spent on everyday purchases
Mobile Device Insurance
Purchase Protection & Extended Warranty

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Classic Mastercard

Credit card convenience. Simple, easy, and smart.

Annual Fee: None
Interest Rate (Purchases): 12.99% Fixed
Zero Liability Fraud Protection
Purchase Protection & Extended Warranty
Mobile Device Insurance

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US Dollar Mastercard

Carry the card that's as rewarding as your US travel.

Annual Fee: $50.00 USD
Interest Rate (Purchases): 19.99% Fixed
Zero Liability Fraud Protection
Earn Reward Points: 1 point for every $2 USD spent
Auto Rental Collision/Loss Insurance
Purchase Protection & Extended Warranty

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World Mastercard

A wide world of privileges.

Annual Fee: $120.00
Interest Rate (Purchases): 20.99% Fixed
Zero Liability Fraud Protection
Earn Reward Points:
- Earn 3 points for every $1 spent on grocery purchases
- Earn 2 points for every $1 spent on dining and entertainment purchases
- Earn 1 point for every $1 spent on all other purchases
Boingo Wi-Fi at 1 million hotspots worldwide
Auto Rental Collision/Loss Damage Insurance
Purchase Protection & Extended Warranty
Emergency Health Care Coverage
Trip Cancellation & Interruption Insurance
Lost or Delayed Baggage
Protection For Grandchildren Travelling With You
24/7 Travel Assistance

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Cash Back World Elite Mastercard

Earning maximum rewards, travel insurances, services, and features.

While especially beneficial to higher spenders, this card will gain points for all users with the following conversions:

Points Breakdown

4 points per dollar on groceries and sustainable transit
2 points per dollar spent on select recurring bills, digital streaming, and dining
1 point per dollar on all other purchases

Features & Benefits

Travel Medical Coverage for 15 days (65 and under)
Purchase Protection + Extended Warranty
Mobile device + auto rental collision/loss insurance

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Balance Transfer Offer - 0% For 9 Months

Enjoy a special promotional rate of 0% for 9 months on balance transfers to most personal and business cards. A one-time, 2% fee on the amount of each balance transferred will be charged at the time the balance transfer transaction is booked.

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New To Canada

New to Canada members get a one-time $50 statement credit, when they open a credit card.

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1st Annual Fee Rebate

Enjoy a $120 first-year annual fee rebate on consumer cards and $99 on business cards, when you sign up for a premium credit card during the promotional period.

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Making purchases is easier than ever with Access credit cards. No matter which way you pay, you will continue to earn eligible rewards, benefits, and security.

When you use mobile payments, your credit card number is never saved or stored. Instead a token is created, replacing the actual credit card number with a special number for making payments with a one-time use security code. If you ever do have fraud on your card, you're protected with Zero Liability protection.

Find out more about Collabria’s mobile payment suite.

Apple Pay

Make quick, secure payments using your Collabria credit card on the Apple Pay app.

Apple Pay offers an easy, secure, and private way to pay on iPhone, iPad, Apple Watch, and Mac.

Your credit card can be used to pay on-the-go at merchants who accept contactless payments, in participating apps, and on the web. Apple Pay will provide real-time notifications and details for your purchases when you use Apple Pay on iPhone or iPad.

Google Pay

Load your Collabria credit card to your Android mobile device on the Google Pay app to make quick, secure payments.

Google Pay offers an easy, secure, and convenient way to pay on Android devices.

Collabria credit cards can be used to pay on-the-go at merchants who accept contactless payments, in participating apps, and on the web. Google Pay will provide real-time notifications and details for your purchases when you use Google pay on your Android device.

Samsung Pay

Use your Collabria credit card with your Samsung® device to make quick and secure payments.

Samsung Pay offers the convenience and security of contactless payments by simply hovering your phone or wearable over the merchant's card reader to complete the purchase.

All Collabria Credit Cards can be loaded into the Samsung Pay Wallet by downloading the app from the Apps menu. Samsung Pay uses several layers of security and does not store or share cardholder information.

Paying at the pump

Some gas stations in the US will require you to enter a ZIP code in order to pay at the pump. If you are staying in the US the ZIP code of your temporary location won't work as it needs to be connected to your Collabria MasterCard billing address.

Solution:

If asked for your ZIP code you can enter the numbers in your postal code followed by two zeroes.

Example:

If your postal code is A1B 2C3

Your entered ZIP code should be 12300

Other Tips

Be prepared for your trip by planning your spending and bringing along secure methods of payment. Your Collabria MasterCard has zero liability so you can make purchases with comfort.

Your card also comes equipped with chip technology for a more secure way to pay.

For more on security features please visit Mastercard Safety & Security

Credit Cards

Our credit card suite of products offers six different Mastercard solutions to suit your needs.

Choose from no fee, U.S. dollar, travel, and everything in between.

Plus, earn and redeem points on a variety of credit card products with FlexRewards. With FlexRewards, you get the choice, flexibility, and control of point redemption through travel, gift cards, merchandise, or cash back.

Get the credit card solution you need today.

Cash Back Mastercard

Centra Gold Mastercard

Classic Mastercard

US Dollar Mastercard

World Mastercard

Cash Back World Elite Mastercard

Current Promotions

Check out the latest promotional offers!

Digital Wallets

Making purchases is easier than ever with Access credit cards. No matter which way you pay, you will continue to earn eligible rewards, benefits, and security.

Apple Pay

Google Pay

Samsung Pay

Travel Tips

Travelling outside of Canada? It's important to be safe and prepared, especially when it comes to your money. Read some tips below for how to prepare for your next trip.