2026 1st Year Fee Rebate

Offer period: September 14 - December 31, 2026

Centra Gold credit card: Reward your everyday

Rewards and low rates, together in one card.

Apply, activate, and earn: Apply for a Centra Gold credit card, receive a $50 first-year fee rebate, and activate your card†. Then, make qualifying purchases between September 14 and December 31, 2026 to earn up to 7,500 bonus Flex Rewards points.1
Here's how you can earn up to 7,500 Flex Rewards points
+ 1,250
Step 1

Activate and get started

Activate your card and make a purchase to earn 1,250 Flex Rewards points.

+ 1,250
Step 2

See rewards build over time

Reach the qualifying spend amount and unlock an additional 1,250 Flex Rewards points.

+ 5,000
Step 3

Celebrate a milestone

Reach the secondary qualifying spend amount and annual threshold to receive an additional 5,000 Flex Rewards points.

= 7,500
Up to $350 in cash value

Total Flex Rewards Points

Earn up to 7,500 bonus Flex Rewards points when all qualifying spending milestones are achieved.

1Terms and conditions apply. Click here for further details
 

How can you redeem Flex Rewards points?2
Gift Cards

Redeem points for gift cards from popular retailers, restaurants and everyday brands.

Merchandise

Choose from over 60,000 products including electronics, home essentials and sporting goods.

Charity Donations

Support over 86,000 Canadian charities through CanadaHelps.

Travel & Entertainment

Redeem points for flights, hotels, cruises, tickets, dining and unique experiences.

 2Click here to learn more about the Flex Rewards program.

Offer period: October 1 - December 31, 2026

Classic credit card: Simple. Reliable. Low rate

The Classic credit card keeps things straightforward for those who value simplicity and practicality. Apply for Classic credit card and receive a $20 annual fee rebate for the first year.3

Low Rate Business credit card: Low rate meets your first year free4

Keep costs down with the Low Rate Business card while streamlining expense reporting to help make budgeting easier. Apply for a Low Rate Business credit card and receive a $25 annual fee rebate for the first year.4

This offer is available for a limited time from September 14 to December 31, 2026.

3/4Terms and conditions apply. Click here for further details

How to apply:

  • Apply for a credit card online
  • Visit your local branch to start your application

Pro tip: Pair your purchases with CardWise

CardWise is a digital account management platform that makes managing your credit cards simple and stress-free. Registration is quick and easy through CardWise Online or the CardWise Mobile App.

Plus, you can use the Card on File feature to view which merchants store your cardholder information for future purchases.

How to Register Enroll for eStatements Payments & Autopay Spend Insights Other

Offer terms and conditions: Centra Gold card1 | Classic card3 | Low Business Rate card4

+ View Site Map

The Collabria Visa Card is issued by Collabria Financial Services Inc. pursuant to a license from Visa. *Trademark of Visa Int., used under license.

Back to Top