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
  • Zero Liability Fraud Protection
  • Purchase Protection & Extended Warranty
  • Mobile Device Insurance
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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
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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
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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

To report a lost or stolen credit card, contact: 1-855-341-4643 in Canada/US, or International collect 1-647-252-9564