maiscreen-decor

Empower your spending with BCU credit cards

Empower your spending with BCU credit cards
Convenience, benefits and rewards with every swipe

BCU credit cards give you...

Easy digital account management

Manage your account effortlessly online, monitor transactions, track rewards, and make payments. Anytime, anywhere.

Balance transfers

Consolidate existing credit card balances with a simple transfer, often at a lower interest rate.

24/7 cardholder support

Access help anytime. Card services team is available 24/7 for card-related questions or issues.

Global compatibility

Use your card internationally at Cirrus and Accel ATMs, providing a seamless experience while traveling.

Rewards

Earn reward points for every dollar spent on your purchases (T&Cs apply).

Wide range of insurance benefits

Travel insurance, purchase protection, and extended warranties (T&Cs apply).

Choose your card

What’s most important for you?
The best options for you (6):
For cash rewards

Cash Back Mastercard®

Annual fee:Free
Additional card fee:No
Interest rate (purchases):20.99% Fixed
BCU rewards:0.5-1 points per $1 spent
Card benefits:
  • Zero liability fraud protection
  • Earn cash rewards
  • Purchase protection & extended warranty
  • Mobile device insurance
For cash rewards

Centra Gold Mastercard®

Annual fee:$50.00
Additional card fee:$10.00
Interest rate (purchases):12.99% Fixed
BCU rewards:1 point per $1 spent
Card benefits:
  • Zero liability fraud protection
  • Earn cash rewards
  • Purchase protection & extended warranty
  • Mobile device insurance
For budget-friendly essentials

Visa* Classic Card

Annual fee:Free
Additional card fee:No
Interest rate (purchases):13.99% Fixed
BCU rewards:None
Card benefits:
  • Zero liability fraud protection
  • Earn cash rewards
  • Purchase protection & extended warranty
  • Mobile device insurance
For US dollar savings

US Dollar Visa* Card

Annual fee:$50.00
Additional card fee:$35.00
Interest rate (purchases):19.99% Fixed
BCU rewards:1 point per $2 spent
Card benefits:
  • Zero liability fraud protection
  • Earn cash rewards
  • Purchase protection & extended warranty
  • Auto rental collision/loss damage insurance
For frequent travellers

World® Mastercard

Annual fee:$120.00
Additional card fee:$50.00
Interest rate (purchases):20.99% Fixed
BCU rewards:1-3 points per $1 spent
Card benefits:
  • Zero liability fraud protection
  • Earn cash rewards
  • Auto rental collision/loss damage insurance
  • Emergency health care coverage
  • Trip cancellation & interruption insurance
  • Lost or delayed baggage protection
  • 24/7 travel assistance
For premium rewards

Cash Back World Elite® Mastercard

Annual fee:$120
Additional card fee:$50
Interest rate (purchases):20.99% Fixed
BCU rewards:1-4 points per $1 spent
Card benefits:
  • Emergency health care coverage
  • Grandchildren protection travelling with you
  • 24/7 travel Aassistance
  • Car rental collision/loss damage insurance
  • Purchase protection & extended warranty insurance
  • Mobile device insurance
  • World Elite Mastercard exclusive benefits

Need professional advice?

We are here to help with all your questions!

Questions? We got answers!

To apply for a BCU Financial credit card, you can visit a nearest branch or apply online through the website of our credit card provider – Collabria. You’ll need valid identification, proof of income, and other financial details depending on the card type. Eligibility requirements may vary based on credit history and financial standing.

You can manage your BCU credit card account through the Collabria CardWise online portal or mobile app. This allows you to check your balance, review transactions, make payments, set up alerts, and much more. To access it, simply create an account on the portal with you card number and the email you used in your application.

With your BCU credit card, you can earn rewards on everyday purchases, such as points for every dollar spent. To redeem your rewards, log into your Collabria CardWise account and select from various options like travel, merchandise, or statement credits. The specific rewards program depends on the card type.

If your BCU credit card is lost or stolen, immediately contact Collabria’s Cardholder Service to report it. You can reach them 24/7 by calling the number on the back of your card or visiting their website for further instructions. They will help block the card and issue a replacement.

Our credit cards offer various types of purchase protection, including extended warranty coverage, purchase security for theft or damage, and price protection. These benefits vary by card type, so be sure to check the terms and conditions for specific details.

Yes, BCU credit cards may charge a small fee for foreign transactions when you’re making purchases in another currency. These fees cover the cost of converting currencies and may vary depending on the card you have. It’s always a good idea to check your specific card’s details for the exact fee.

Need help? We are here to help

Book an appointment
Choose the date and time
1-877-228-5465
Mon-Fri 9:30am to 5:30pm
Find a nearest branch
Branches open Mon-Wed 9:30am to 5:30pm, Thu-Fri 9:30am to 6:00pm, Sat 9:00am to 3:00pm
BCU Corporate office
2280 Bloor Street West, 3rd Floor Toronto, ON M6S 1N9
Commercial credit
2280 Bloor Street West, 2nd Floor, Toronto, ON M6S 1N9
Bloor West Branch
2280 Bloor Street West, Toronto, ON M6S 1N9
Mississauga Branch
1891 Rathburn Road East, Unit #8, Mississauga, ON L4W 3Z3
Oakville Branch
3015 Winston Churchill Blvd., Unit #103C, Mississauga, ON L5L 2V8
North Toronto Branch
7077 Bathurst Street, Unit #5A, Vaughan, ON L4J 2J6
Hamilton Branch
249 Kenilworth Avenue North, Hamilton, ON L8H 4S4
Hamilton BCU Starsky Banking Centre
685 Queenston Rd, Hamilton, ON L8G 1A1
Ottawa Branch
913 Carling Avenue, Ottawa, ON K1Y 4E3
Ivan Franko Homes (Mississauga Location)
3058 Winston Churchill Blvd, Mississauga, Ontario L6H 6P5
Link copied to clipboard