Credit cards

Conexus Centra Gold Mastercard®.

Earn rewards1 while enjoying a low interest rate that helps you manage your spending.

Interest rate: 12.99%2 | Annual fee: $50 | Additional card: $10

Eligibility requirements: No minimum income requirement.

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Earn cash back, collect travel rewards or keep it simple with a no-fee option — with our Mastercard® lineup of options, you can find the card that’s right for you.

For every $1 spent.

1 point
For all 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.*
  • 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 damaged4
  • Extended warranty provides double the manufacturer’s warranty for up to an additional 12 months4

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.

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

• Zero Liability: You’re only responsible for purchases you’ve authorized.8 

• 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.

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FAQs

Common questions.

Here's what people ask us the most.

The Conexus Centra Gold 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 Centra Gold Mastercard®, you earn 1 Flex Rewards point for every $1 spent on eligible purchases1. Points can be redeemed through the Flex Rewards HQ portal for cash rewards, travel, gift cards, merchandise and more. Points are not earned on cash advances, balance transfers, interest charges, fees or other non-purchase transactions. 

The Centra Gold Mastercard® is designed for members looking for a balance of rewards and a lower interest rate. Earn Flex Rewards points on everyday purchases while enjoying the flexibility of a card with a reduced annual interest rate. 

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 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

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 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.

5 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 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.