FLEX REWARDS

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2026 Balance Transfer Offer 

Don’t let high credit card interest rates stand in the way of your financial progress. Make the smart move with your credit and learn about how a Balance Transfer offer can help.

Pay 0% interest for the first 9 months when you transfer your existing credit card balances for a one-time transfer fee of 3%. 

Here’s how you can benefit from our balance transfer offer:

• Debt Consolidation: If you have balances on multiple credit cards you can consolidate them onto one credit card, making it easier to manage your payments.
• Pay off Balance Faster: With a 0% interest rate, more of your payment goes to reducing the principal amount, helping you pay off your outstanding balance much faster.
• Save on Interest: Take advantage of the 0% balance transfer rate on your credit union credit card, allowing you to reduce the overall amount that you pay in interest. Refer to the graphic below to see how much you can save!

This offer is available from July 01, 2026 and expires on December 31, 2026. 

Young Adult Offer

A good credit score and financial literacy can help you go further in life.

Apply for a credit card now so you can start building your credit score and gain the skills you need to manage money effectively. To get you started, you will receive a $100 statement credit when you activate your card and make your first purchase within 30 days of activation.

This offer is available from January 01, 2026 to December 31, 2026 for cardholders between the ages of 18* to 27 years old. 

How to apply:

• Apply for a credit card online
  • Go to collabriacreditcards.ca and search for your credit union on the search bar
  • Click the ‘All Cards’ tab located at the top of the page
  • Select ‘Personal Cards’
  • Choose the eligible card¹ of your choice and click ‘Apply now’
• Visit us in branch to start your application

New Member Bundle Offer 

A rewarding way to say “Welcome!”

New membership, new accounts, new credit card … and 10,000 Flex Rewards points to say “Welcome!”.*

Start earning from day one! When you open a new personal membership and activate a credit card, you’ll unlock bonus rewards and potential cash welcome offers.* It’s our way of saying “Welcome!” and making your first steps rewarding.
 

What you need to do:

Open a new personal membership

AND one or more of the following:*

• A new Chequing Account
• A new Savings Account: high-interest savings account (HISA), tax-free savings account (TFSA), registered retirement savings plan (RRSP) and/or guaranteed investment certificates (GICs).
• A new credit union-issued credit card: open, activate and make your first purchase within 60 days of the approval date to earn 10,000 Flex Rewards points on an eligible credit card.

This offer is available from January 01, 2026, until December 31, 2026. 

How to apply:

Apply by visiting our branch to become a member.

Mortgage Bundle Offer

Make your mortgage work harder for you!

Turn your mortgage into real value. With the Mortgage Bundle Offer, you’ll earn 1,000 Flex Rewards points for every $10,000 financed on your mortgage when you hold an eligible credit card.^* 

Here's how you benefit:^*

• Earn more value: Get 1,000 Flex Rewards points for every $10,000 financed. Yes—the more you finance, the more you earn!
• Maximize your card benefits: Enjoy exclusive perks with your Collabria rewards credit card.
• Boost your financial flexibility: Redeem points for travel, merchandise, or cash back. 
• Simple and convenient: Apply for a mortgage or renewal and get approved for an eligible credit card to start earning. 

This offer is available from January 01, 2026, until December 31, 2026. 

Ready to earn more? 

Visit our branch to apply and start unlocking your rewards today! 

Centra Gold: Reward your Everyday

Rewards and low rates, together in one card.

Apply, activate, and earn: Apply for a Centra Gold credit card, receive a $50 first-year fee rebate, and activate your card^†. Then, make qualifying purchases between September 14 and December 31, 2026 to earn up to 7,500 bonus Flex Rewards points.

 Offer period: October 1 - December 31, 2026

1st Year Fee Rebate & Bonus Flex Rewards for Premium

More reasons to have a premium everyday.

From daily essentials to life's bigger plans, enjoy rewards, protection, and benefits that help you get more from every purchase

Apply, activate, and earn: Apply for a premium consumer credit card, receive a $120 first-year fee rebate, and activate your card^†. Then, make qualifying purchases between September 14 and December 31, 2026 to earn up to 35,000 bonus Flex Rewards points.

 Offer period: September 14 - December 31, 2026