Personal Credit Cards

Competitive fees and rates. Industry-leading rewards to redeem for cash back, great new products, or donated to a local charity right here in Niagara!

Choose from PenFinancial’s full suite of personal credit cards and enjoy flexible benefits that suit your needs.

Already a cardholder? Log in to your PenFi Collabria Mastercard® account →

Apply for a PenFi Credit Card

Cash Back Mastercard®

No annual fee. Up to 2% cash back. Mobile device insurance. The Cash Back Mastercard® is a popular choice among PenFinancial Members.

PenFinancial_Mastercard-Web-Cash-Back

Key Features

  • No annual fee
  • 2% cash rewards on gas
  • 1% cash rewards on entertainment
  • 0.5% cash back on all other purchases
  • 2% cash rewards on gas purchases
  • Zero Liability Fraud Protection
  • Purchase Protection & Extended Warranty
  • Mobile Device Insurance
Apply Now
Learn more →

World Mastercard®

Up to 3% cash back on purchases. A plethora of other rewards including emergency health care coverage. The World Mastercard is the most premium card available to our Members.

PenFinancial World Mastercard

Key Features

  • $120 annual fee
  • 3% cash rewards on groceries
  • 2% cash back on dining and entertainment
  • 1% cash back on all other purchases
  • Mobile Device Insurance
  • Zero Liability Fraud Protection
  • Auto Rental Collision/Loss Insurance
  • Purchase Protection & Extended Warranty
  • Emergency Health Care Coverage
  • Trip Cancellation & Interruption Insurance
  • Lost or Delayed Baggage Coverage
  • 24/7 Travel Assistance
Apply Now
Learn more →

Centra Gold Mastercard®

The Centra Gold Mastercard offers our Members a significantly reduced interest rate along with 1% Cash Rewards on all purchases. A great choice for Members who may carry a balance month-to-month.

PenFinancial Centra Gold Mastercard

Key Features

  • $50 annual fee
  • 1% cash rewards on all purchases
  • Interest rate (purchases): 11.99% fixed
  • Zero Liability Fraud Protection
  • Auto Rental Collision/Loss Insurance
  • Purchase Protection & Extended Warranty
Apply Now
Learn more →

US Dollar Mastercard®

Purchase using US currency, receive travel benefits, and pay the credit card using your PenFinancial US Dollar Account. A popular choice for our Members who frequent the United States.

PenFinancial US Dollar Mastercard

Key Features

  • $50 USD annual fee
  • 0.50% cash rewards on all puchases
  • Zero Liability Fraud Protection
  • Auto Rental Collision/Loss Insurance
  • Purchase Protection & Extended Warranty

Apply Now
Learn more →

® The PenFinancial Credit Union Collabria Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

All Credit Cards are subject to change without notice.

For complete terms and conditions of all features and rewards please visit the Collabria Mastercard website.