Credit cards

Rewards and redemption.


Every eligible purchase on your Conexus Mastercard® earns you Flex Rewards points. Redeem them your way – for cash*, travel, gift cards, experiences and more, whenever you’re ready.

How to earn Flex Rewards points.

The number of points you can earn varies by card:

Personal card productsPoints earned
Cash Back World Elite Mastercard®
  • 4 points per $1 spent on Groceries & Sustainable Transit7
  • 2 points per $1 spent on Recurring Bills, Digital Streaming and Dining8​​​​
  • 1 point per $1 spent on all other purchases4
World Mastercard®​
  • 3 points for ever $1 spent on Groceries5
  • 2 points for every $1 spent on Dining and Entertainment6
  • 1 point for every $1 spent on all other purchases4​​​​
Cash Back Mastercard​®
  • 1 point for every $1 spent on Groceries1
  • Gas/Sustainable Transit2, Recurring Bills & Streaming Services3​​​​
  • 0.5 points for every $1 spent on all other purchases4​​​​
Centra Gold Mastercard​®
  • 1 point for every $1 in eligible purchases4
U.S. Dollar Mastercard®
  • 1 point for ever $2 USD in eligible purchases4
Business card productsPoints earned
Business World Elite Mastercard​®
  • 1.5 points for every $1 in eligible purchases4
Business No-Fee Cash Back Mastercard®
  • 1 point for every $2 in eligible purchases4

Points are earned on net purchases only. Cash Advances, Balance Transfers, and Cash-like Transactions do not qualify.

Redeeming points.

When you’re ready to redeem, the choice is yours. Use your points for a statement credit, deposit cash into your chequing or savings account* or browse our rewards catalogue for merchandise, gift cards, travel adventures, event tickets and more.

Cash rewards

Turn your points into cash — as a statement credit or account deposit.*

Turn your points into cash that can be used for a statement credit,or deposited directly into your chequing or savings account.*

Merchandise and gift cards

Browse thousands of options in the rewards catalogue.

Shop our extensive online catalogue and choose from electronics, jewelry, tools, fitness gear, gift cards, and more.* There’s always something worth earning.

Travel

Redeem your points for flights, hotels, cruises, car rentals and more.

Whether you’re looking for a family vacation or a weekend getaway, we’ve got you covered. From flights to hotels to cruises, find exactly what you want, then relax and enjoy! Whether you’re booking a one-way ticket or a boutique hotel, make your reservation online or call 1-866-239-7430.

Adventures

Redeem your points for unforgettable experiences and unique activities.

If you’re looking for adventure, look no further. Whether you’re looking to take a helicopter ride, spend a few hours (or days) at the spa, or have a whitewater rafting experience, we’re here for you. Login to redeem for the adventure of a lifetime!*

Events

Redeem your points for concerts, sporting events, theatre, and more.

Get your ticket fix, whether it be for a live concert experience, your favourite sporting event or to class it up at the opera. Visit Flex Rewards for a curated selection of special event redemption opportunities*.

Ready to redeem?

Redeeming your Flex Rewards points is easy. Sign in to your Flex Rewards account to browse and redeem your points or call 1-866-239-7430 if you'd like help with your redemption.

Redeem Flex Rewards
FAQs

Common questions.

Here’s what people ask us the most.

The Flex Rewards Program is a loyalty program available to eligible Conexus Mastercard® cardholders in Canada, administered by Collabria Financial Services Inc. Points are earned on eligible net purchases and can be redeemed for cash rewards, merchandise, gift cards, travel, events, and more. Visit collabriacreditcards.ca/rewards for full program details and eligibility.*

The base value of one Flex Rewards point is equal to one cent — a penny per point. For example, 10,000 points equals $100 in cash equivalent value when redeemed as a statement credit or deposited into your chequing or savings account. The value of points redeemed for merchandise or travel may vary. See collabriacreditcards.ca/rewards for current redemption rates.*

Yes. Adding recurring monthly bill payments — such as streaming services, utilities, or insurance premiums — to your eligible Conexus Mastercard® is a straightforward way to earn points on expenses you already pay. Points are earned on eligible net purchases only, so review your cardholder agreement or visit collabriacreditcards.ca/rewards for the full list of qualifying transactions.*

To redeem your Flex Rewards points, log in to your CardWise account at cardwiseonline.ca or via the CardWise mobile app. You can also visit the rewards catalogue at collabriacreditcards.ca/rewards to browse options and redeem points for cash, merchandise, gift cards, travel, and events. Your current point balance is always visible in your CardWise account.

Don’t have a Conexus Mastercard® yet?

Start earning Flex Rewards points on eligible purchases with a Conexus Mastercard®. Compare our credit cards to find the one that fits your lifestyle and spending habits.

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* Terms and conditions apply. View full reward program rules at collabriacreditcards.ca/rewards.

® Mastercard, World 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.

1 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

2 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.

3 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.

4 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.

5 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.

6 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.

7 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.

8 If the combined annual select RECURRING BILLS, DIGITAL STREAMING AND DINING purchase volume on a Cash Back World Elite Mastercard or 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.

9 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.

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.