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Centra Gold Mastercard®

A perfect balance of premium rewards and low rates.

Why pay more to carry a rewards credit card? The Centra Gold Mastercard helps you collect valuable reward points on the purchases you make on a regular basis. But you won’t break the budget with high fees or high interest rates.

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Card Benefits

  • Annual Fee: $50.00
  • Additional Fee: $10.00
  • Interest Rate (Purchases): 11.99% Fixed
  • Zero Liability Fraud Protection1
  • Earn Reward Points2
  • Mobile Device Insurance3
  • Purchase Protection & Extended Warranty3
  • Mastercard Benefits


Earn valuable rewards every time you use your Centra Gold Mastercard.

  • Earn 1 point for every $1 spent on everyday purchases2

Enjoy a large assortment of Reward Points redemption options, including:

  • 60,000 top-selling merchandise items, including directly from Best Buy Catalogue
  • Gift cards from 60+ top Canadian retailers
  • Cash rewards in the form of statement credit
  • Private vacation rental or hotel accommodation, flights and travel experiences
  • Charity donations

Just click here to search by redemption type.


Emergencies happen. You can relax with the Centra Gold Mastercard in your wallet. We'll help you handle accidents and emergencies so you can feel confident in your purchases and your travel plans.

  • 90 days purchase protection on eligible purchases made with your card1
  • Double the manufacturer’s warranty (up to one year) on eligible purchases made with your card1
  • Mobile Device Insurance1

1 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®. ®Assurant 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 here. Insurance coverage is subject to change.

Offer Details

Every cardholder earns 1 point for every $1 spent on everyday purchases.1 

Plus, enjoy 10,000 bonus points on us when you apply for a new Centra Gold card. More details here.

You can also take advantage of our special 5.9% rate for all balance transfers! This special rate will apply to each balance transfer for 6 months. Plus, we never charge you any hidden or additional balance transfer fees. Full Terms & Conditions here