A card to fit your life.

We know credit cards aren’t a one size fits all, that’s why we offer a full suite of personal credit cards, so you can choose the one that works best for you.

Get more out of your card.

Our cards have many money saving features available to make your every day purchases that much better.

Purchase Protection & Extended Warranty3


Feel confident in knowing most items purchased with your card are protected if something goes wrong.


Mobile Device Insurance3



We’ll help cover you in case of damage or theft of your mobile device so you can get back in contact right away.


Zero Liability2




Shop with confidence – Zero Liability offers you protection against unauthorized use of your card.

Get rewarded for your everyday purchases.  With our FlexRewards program, you earn points just for using your card.  Plus, you can redeem Flex Points for your choice of cash, gift cards, merchandise or travel rewards.


Cards with FlexRewards give you more. Points add up quickly, and there’s no limit to the number of points you can earn.


Select how to redeem your points from three options:

Cash Back



Merchandise and Gift Cards






No Annual Fees

Cash Back



FlexRewards | Mobile Device Insurance3

No Fee | 19.90%




Purchase Protection3 | Mobile Device Insurance3

No Fee | 11.90%

Low Rates




FlexRewards | Mobile Device Insurance3

$40 | 9.90%-18.90% Variable

Centra Gold



FlexRewards | Auto Rental Collision Insurance3

$50 | 9.90%




Purchase Protection3 | Mobile Device Insurance3

$30 | 11.90%


Travel Rewards Gold



FlexRewards | Purchase Protection3| Trip Insurance4

$99 | 19.90%




FlexRewards x2 | Price Protection | Trip Insurance4

$120 | 19.90%

US Dollar



FlexRewards | Emergency Health Care Coverage4

$50 USD| 19.90%

Join us every Tuesday and Friday at a new location across PEI for your chance to win some great prizes from our new FlexRewards Cataloge.



  1. The Contest starts at 7 am ADT on July 6th, 2018 and closes on August 14th, 2018 at 1 pm ADT (the “Contest Period”). There are multiple prizes to be won.
  2. Thirteen games (the “Game”) at varying locations across Prince Edward Island will be played during the Contest Period. Each Game has individual prizes to be won. Value of prizes varies between $300 – 600 in cash and products per Game.
  3. Games will take place on Tuesdays and Fridays during the Contest Period.
  4. No purchase necessary to enter. Void where prohibited.
  5. To enter and to be eligible to win, the entrant (“Entrant”) must be a legal resident of Canada, and must be 18 years or older.
  6. Limit of one (1) entry per Entrant during the Contest Entry Period.
  7. To enter, Entrants must visit the identified Game Location (“Location”) for that day in person at the time and location announced the day prior on PEI Credit Unions Facebook page (facebook.com/PEICreditUnions), fill out a ballot, and place it in the ballot hat (the “Hat”). The Hat will be available for entries 45 minutes before the Game’s announced start time. All ballots received at the Location will only be valid for that day.
  8. By submitting an entry into this Contest, Entrants release PEI Credit Unions and/or Hot 105.5, its agents and employees all rights to record and exhibit photographs and/or video of the Entrants in connection with the Contest in physical, broadcast, or electronic form publicly or privately and to market and sell copies. Entrants also waive any rights, claims, or interest they may have to control the use of their identity or likeness in whatever media used.
  9. One player (“Player”) will be selected at random to participate in the Game from all eligible entries submitted by Entrants at the Location two (2) minutes before the Game’s announced start time.
  10. If it is discovered that an Entrant attempted to enter more than once, additional entries will be void.
  11. Players assume any and all liability and responsibilities arising from, caused by or in any way connected with their participation in the Game.
  12. Employees and their parents, siblings and children, and persons domiciled with an employee of the Contest provider (PEI Credit Unions), its agents, parent, affiliated or related companies, subsidiaries, divisions, prize sponsors, and promotional and advertising agencies and administrators are ineligible to enter.
  13. There is thirteen (13) prize packages available to be won through the Contest (“Prize”). Prizes will be identified during the Game and awarded in full at the end of the Game if the Player successfully completes the Game according to the instructions provided by the Game Host (The “Host”). The Prize must be accepted as awarded.
  14. By entering this Contest, the Entrants and Players automatically agree to accept and abide by these Rules. All decisions of PEI Credit Unions with respect to any aspect of this Contest, including without limitation the eligibility of entries, are final and binding on all Entrants and Players in all matters as they relate to this Contest.
  15. All entries become property of PEI Credit Unions who assume no responsibility for garbled, lost, late, delayed, destroyed or misdirected entries, mail, voice messages, e-mail or any computer errors or malfunctions. Entry materials or data that have been tampered with or altered are void.
  16. If for any reason, in the opinion of the PEI Credit Unions in their discretion, the Contest is not capable of running as originally planned, or if the administration, security, fairness, integrity or the proper conduct of the Contest is corrupted or adversely affected by causes beyond their control, PEI Credit Unions reserve their rights to cancel, terminate, modify, amend, extend or suspend the Contest.
  17. PEI Credit Unions reserve their rights to modify the Rules without materially affecting the terms and conditions hereof.
  18. PEI Credit Unions reserve their rights, in their discretion, to disqualify any individual they find to be tampering with the entry process or the operation of the Contest or to be acting in violation of the Rules or otherwise in a disruptive manner.
  19. PEI Credit Unions shall not be held responsible for any errors or negligence that may arise or occur in connection with the Contest.
  20. In the event of any discrepancy or inconsistency between the Rules and disclosures or other statements contained in any Contest related materials, including but not limited to the Contest entry form, or point of sale, television, print or online advertising, these Rules shall prevail, govern and control.
  21. All intellectual property, including but not limited to trade-marks, trade-names, logos, designs, promotional materials, photographs, video, web pages, source codes, drawings, illustrations, slogans and representations are owned by PEI Credit Unions and/or their affiliates. All rights are reserved. Unauthorized copying or use of any copyrighted material or intellectual property without the express written consent of its owner is strictly prohibited.



Eligibility for rewards and/or account credit is subject to the terms and conditions of the FlexRewards program. For full terms and conditions, visit collabriacreditcards.ca.




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: you have used reasonable care in protecting your card from loss or theft; and 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. If you do not meet the conditions above, please reference your Cardholder Agreement for additional information regarding liability.




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 Solutions®. Assurant Solutions 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 coverage is subject to change.




Insurance coverage is underwritten by Desjardins Financial Security Life Assurance Company. This document is provided for information purposes only. For details of the coverage, refer to the insurance contract or insurance certificate available online at collabriacreditcards.ca. Some conditions and restrictions apply. Insurance coverage is subject to change.




24/7 Travel Assistance is provided by Desjardins Financial Security Life Assurance Company.This document is provided for information purposes only. For details of the coverage, refer to the insurance contract available online at collabriacreditcards.ca.. Eligibility is conditional on the card account being active and in good standing. Coverage is subject to change.


The products, features, benefits and rewards are valid as of July 1, 2017 unless otherwise noted and are subject to change.


The Collabria Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

© 2018 PEI Credit Unions. All Rights Reserved