Online BankingExpand/Collapse

Online Banking

Credit Cards

When used effectively, credit cards are an invaluable tool in your financial toolkit; they provide:

  • an alternative payment method in the event that your primary card is lost or compromised,
  • access to emergency cash for sudden, unexpected expenses,
  • an effective way to establish good credit and,
  • the CHOICE REWARDS you're looking for - including cash and travel rewards!

With our wide range of card options, we have just the right card to fit your unique lifestyle - whether you are shopping for everyday needs, traveling and booking flights, a student, or purchasing supplies for your business - we have you covered. Plus, with the CHOICE REWARDS™ program, you receive points which are redeemable for cash, free travel, brand-name merchandise and more! 

CHOICE REWARDS® World Elite® Mastercard® Credit Card

The Elite travel card with Elite value

Elite
  • Annual Fee: $150
  • Standard Annual Interest Rates: Purchases: 19.99%; Balance transfers: 24.99%; Cash advances: 24.99%
  • 5000 welcome bonus points
  • Earn rewards faster, with 2 points‡ per every $1 spent on eligible purchases
  • Elite level of benefits** including Rental Vehicle Benefits, Purchase Assurance and Extended Warranty, Price Protection, Concierge Services, Inclusive Travel Medical Insurance and Other Travel Benefits
  • 3.99% promotional AIR† on balance transfers✪ for 10 months
  • • Additional card: $40

Gold Mastercard® Credit Card

The card that lets you and your family travel with peace of mind

Gold
  • Annual Fee: $96
  • With Choice Rewards: $120
  • Additional Card: $36
  • Standard Annual Interest Rates: Purchases: 19.99%; Balance transfers: 24.99%; Cash advances: 24.99%
  • 3.99% promotional AIR† on balance transfers✪ for 10 months
  • Rental Vehicle Benefits, Purchase Assurance and Extended Warranty and Other Travel Benefits**
  • Assurance that you and your family will have travel medical insurance** while travelling out of the country

Low Fee Gold Mastercard® Credit Card

The card with the travel benefits you need

LowFeeGold
  • Annual Fee: $35
  • With Choice Rewards: $59
  • Additional Card: $12
  • Standard Annual Interest Rates: Purchases: 19.99%; Balance transfers: 24.99%; Cash advances: 24.99%
  • 3.99% promotional AIR† on balance transfers✪ for 10 months
  • Low annual fee
  • Rental Vehicle Benefits, Purchase Assurance and Extended Warranty and Other Travel Benefits**

Low Fee Mastercard® Credit Card

Our low fee credit card

LowFee
  • Annual Fee: $12
  • With Choice Rewards: $24
  • No charge for additional cards for authorized users
  • Standard Annual Interest Rates: Purchases: 19.99%; Balance transfers: 24.99%; Cash advances: 24.99%
  • 3.99% promotional AIR† on balance transfers✪ for 10 months
  • Low annual fee
  • Purchase Assurance and Extended Warranty and Other Travel Benefits**

Low Rate Mastercard® Credit Card

Enjoy a lower interest rate with a low rate credit card

LowFee
  • Annual Fee: $30
  • With Choice Rewards: NA
  • Standard Annual Interest Rates: Purchases: 11.99%; Balance transfers: 11.99%; Cash advances: 11.99%
  • Low annual interest rate Low annual fee Other Travel Benefits insurance**

No Fee CHOICE REWARDS® Mastercard® Credit Card

The card with no annual fee that enables you to earn CHOICE REWARDS® points

NoFee
  • Annual Fee: No Fee
  • No charge for additional cards for authorized users
  • Standard Annual Interest Rates: Purchases: 19.99%; Balance transfers: 24.99%; Cash advances: 24.99%
  • 3.99% promotional AIR† on balance transfers✪ for 10 months
  • No annual fee Earn 1 point‡ per every $2 spent on eligible purchases
  • Other Travel Benefits including common carrier insurance and baggage delay protection**

Student Mastercard® Credit Card

The card that allows you to build your credit history

Student
  • Annual Fee: No Fee
  • With Choice Rewards: $24
  • Standard Annual Interest Rates: Purchases: 19.99%; Balance transfers: 24.99%; Cash advances: 24.99%
  • 3.99% promotional AIR† on balance transfers✪ for 10 months
  • 1000 welcome bonus points††
  • Earn 1 point‡ per every $1 spent on eligible purchases
  • Great benefits** such as Purchase Assurance and Extended Warranty which doubles manufacturer's warranty up to 2 years on purchases and Other Travel Benefits.

 

For details on the Business Mastercard, please Click here to learn about our Business Mastercard!.

Credit Alert® Plus Service Expand/Collapse

Credit Alert® Plus is an optional service that is comprised of a suite of tools that helps cardholders proactively monitor, manage and protect their valuable credit and identity information. Credit Alert® Plus provides enrolled cardholders with the following:

  • Credit Report: Cardholders will receive an easy-to-read copy of their Equifax credit report which includes their credit score so they can make sure that their information is accurate with no unexpected activity.
  • Daily Monitoring and Surveillance: Cardholders will be alerted the next business day when there are certain changes to their account. Credit report inquiries address changes and new accounts opened, are key indicators of identity fraud, and are monitored from both major Canadian credit reporting agencies - Equifax and Trans Union. Mail or E-Mail alerts allow cardholders to respond quickly when identity fraud is suspected.
  • Quarterly credit update report: Every 3 months cardholders will receive a new score, information on any new accounts opened, certain inquiries made, address changes and identification information changes.
  • Credit education specialists: Our specialists are available to help cardholders understand their credit report, walk them through some of the more complex credit or fraud issues, and help them understand how information is obtained and retained by the credit reporting agencies.
  • Victim Assistance and Restoration: Access to trained specialists at the Credit Fraud Resource Centre who will walk cardholders through the steps of restoring their credit if they should become a victim of identity theft.
  • Security software: Help protect computer and internet identity from hackers thanks to anti-virus and anti-key logging software.
  • 24/7 online access: Access to credit information anytime on our website or through our mobile app.

Cost $19.99 plus applicable taxes per month
(30 day trial period available at no cost)

Enroll
1-800-548-2610
9 a.m. to 9 p.m., Monday to Friday