Credit cards

Conexus Cash Back Mastercard®.

Earn Flex Rewards points on groceries3, gas4, streaming5 and more — with no annual fee and no minimum income requirement.

Interest rate: 20.99%2 | Annual fee: $0 | Additional card fee: $0 

Eligibility requirements: No minimum income requirement.

Apply now
A blue Conexus Credit Union personal credit card in a white background.

For every $1 spent.

4 points
For grocery³ and sustainable transit⁴.
1 point
For select recurring bills, digital streaming⁵.
0.5 points
For all other purchases¹.

Features.

Flex Rewards

Redeem points your way with cash back, travel, merchandise and more. 

Use your points for rewards that fit your lifestyle: 

  • Cash back: apply your points as a credit on your credit card or deposit them into your chequing or savings account.6
  • Choose from merchandise, gift cards, travel, event tickets, charitable donations and unique experiences.*

Digital wallet ready

Leave your wallet behind and pay securely with your Mastercard.

Your card is compatible with:

  • Apple Pay
  • Samsung Pay®
  • Google Pay™
  • Click to Pay

Purchase and warranty protection

Shop with confidence, knowing you’re protected.

  • Purchase protection provides coverage for the first 90 days, in the event the eligible items are stolen or damaged.7
  • Extended warranty provides double the manufacturer’s warranty for up to an additional12 months.7

Auto rental discounts

Save on your next rental with exclusive cardholder discounts. 

Enjoy up to 25% of and additional benefits when you use your Conexus Mastercard® to rent a car at Hertz, Thrifty and Dollar.*

Mastercard® Global Services

Built-in benefits and security features to help protect you and your purchases. 

Our Conexus Mastercard® includes benefits designed to make your card easier and safer to use: 

• Zero Liability – You’re only responsible for purchases you’ve authorized8.

• Mastercard® Global Services – Get help with lost or stolen cards, emergency card replacement and emergency cash advances.†  

• 3D Secure – Added protection when shopping online.† 

• Mastercard® contactless – Tap to pay quickly and securely at participating merchants.† 

Your security matters

24/7 fraud protection.

Fraud specialists monitor your account 24/7. Should we notice anything unusual, we will contact you immediately to determine if there are unauthorized actions associated with your account. Sign up for alerts to get real-time notifications directly to your mobile device.

Learn more
FAQs

Common questions.

Here's what people ask us the most.

The Conexus Cash Back Mastercard® is available to Canadian residents who meet Collabria’s credit approval criteria. This includes a review of your credit history through Canadian credit bureaus Equifax and TransUnion. Conexus members in good standing are encouraged to speak with an advisor before applying to confirm eligibility. 

Flex Rewards points are earned on eligible net purchases. With the Conexus Cash Back Mastercard®, you earn 1 point per $1 spent on eligible groceries3, gas and sustainable transit4, recurring bills and digital streaming5 purchases. You earn 0.5 points per $1 spent on all other eligible purchases1. Points are not earned on cash advances, balance transfers, interest charges, fees or other non-purchase transactions. The base value of 1 point = $0.01 (one cent). 

You can redeem your Flex Rewards points through the Flex Rewards HQ portal for cash back, merchandise, gift cards, travel, event tickets and more*. Cash back redemptions can be applied as a statement credit or deposited into your Conexus chequing or savings account6. 

Yes. Annual purchase limits apply to some accelerated earn categories. If your annual purchase volume exceeds the applicable limit for groceries, gas and sustainable transit, or select recurring bills and digital streaming purchases, new purchases in that category will earn points at the “all other purchases” rate until the following calendar year. 

Everything you need to manage your Mastercard®.

Quick access to the tools and resources, from logging in to your account to exploring Flex Rewards and cardholder support.

CardWise login

Log in to manage your account, make payments and view statements online through CardWise.

Redeem rewards

Discover how to cash your Flex Rewards points into cash back, travel, merchandise and more.
Have questions?

Not sure which card is right for you?

Our advisors can help you find the Mastercard® that fits your spending habits, financial goals and lifestyle. Book an appointment today — no pressure, just honest advice. 

Book appointment

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

**Terms & conditions apply. Visit https://www.collabriacreditcards.ca/hertz.aspx for more details.

†Terms & conditions apply. Visit https://www.collabriacreditcards.ca/affiliate_conexus/benefits/fraud-protections.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 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.

3 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

4 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.

5 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.

6 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.

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 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.

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries and regions.

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

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

® Mastercard, 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.