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Low fee, low interest1 credit card

Simple, easy, and smart

 
The ideal card for keeping costs low

 
Want a better way to manage interest fees if you carry a balance from time to time? A low rate card1 is a great option.

Balance Transfer

BALANCE TRANSFER OFFER
Balance Transfer Promo

0% Balance Transfer* Rate Offer

Save more when you transfer your balances to a Coastal Community credit card with an exclusive 0% interest rate for nine months!*

Offer details:

  • Special promotional rate of 0% for 9 months*
  • Cardholders will only be subject to a one-time balance transfer fee of 2% of their balance*
  • Applies to all personal and business cards except the US Dollar card*
  • Runs from now until the end of 2025*
  • Each balance transfer must have a minimum value of $500*
 
Classic Credit Card

CLASSIC MASTERCARD®
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Classic convenience and a great low rate1

No annual fee, a low interest rate1 and mobile device insurance2 to keep everything nice and easy.

Classic Mastercard features:

  • Annual fee: $0
  • Interest rate (purchases)1: 12.99% fixed
  • Zero liability fraud protection3
  • Purchase protection & extended warranty2
  • Mobile device insurance2

Rewards:

  • None, just a great low rate

More than just a low rate

Purchase protection2

Merchandise is insured for 90 days if lost, damaged or stolen2

Double your warranty2

Up to one year extra for card purchases2.

Mobile device insurance2

Mobile device insurance up to $1,0002

Fraud protection alerts

Get real-time fraud text alerts for greater security

 
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APPLY ONLINE
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Your perfect card is just a few clicks away

Applying online is quick and easy. Just fill in the simple application form. Here’s how it works:

 Fill in the required personal, financial and employment information

 Supply any additional information within 30 days (if requested)

 Once approved,receive  your card in 7-10 business days

Our credit card partner: Collabria® Financial

 
Offering first-class cards and first-class service to tens of thousands of Canadians.

Cardholder support

24/7 support when, including online access to your account

Fraud monitoring

Relax with 24/7 fraud monitoring & protection services for your card.

Generous rewards program**

The ultimate selection including flights, tickets merchandise & more.**

ONLINE SUPPORT

Not finding what you're looking for?

Let one of Island-based experts help. 

 Chat with a representative online now

Not quite the credit card?

 Take me to a credit card that:

 

 Provides statement credit

 Has more rewards

 

 

*Terms & conditions apply. Visit https://www.collabriacreditcards.ca/affiliate_coastal-community-credit-union/offers/transfer2025.aspx for more details.

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

1 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.

2 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.

3 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.

®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 trademark is Collabria Financial Services’ property.

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.