FlexRate Mastercard

Make the most of your everyday purchases


FlexRate Mastercard®

Flexible interest rates and rewards points for every purchase

With a flexible interest rate, low annual fee, and great rewards, make the most of every purchase.

  • Key features
    • Affordable annual fee
      Only $40/year
    • Low interest rate
      6.9% to 15.9%
    • Zero liability fraud protection
      Around the clock fraud detection
    • Purchase protection & extended warranty
      90-day purchase protection and double the manufacturer’s warranty for up to one year
    • Mobile device insurance
      Get extended coverage when you purchase a device on your card
  • Rewards
  • Earn 1 point for every $1 spent
Annual fee



6.9 - 15.9%



Points per $1


Included with all Collabria credit cards

Purchase protection90-day purchase protection on purchases made with your card.
Extended warrantyDouble the manufacturer’s warranty for up to one year on purchases made with your card.
Zero liability fraud protectionReal time fraud detection and alerts at no additional cost.
Cardholder support24/7 support for cardholders through Collabria.

Card insurance details

memberSHARE eligible

Bank more, earn more
Credit cards are memberSHARE eligible. Earn cash bonuses every year when you bundle qualifying products.

“Just one more perk of banking with a credit union that genuinely cares.”

- Sophie M.

Applying online is easy 

  • Fill out an application
  • Read and agree to the terms and conditions
  • Provide additional information as needed
  • Receive your card in the mail within 7 to 10 days
  • Activate your card
  • Begin collecting points

Apply now


Introducing Collabria, our credit card provider

We partner with Collabria to bring you:

  • 24/7 cardholder support
  • Around the clock fraud monitoring
  • Rewards

​Looking for something different?

We offer a variety of cards, including:

Choose Aldergrove Credit Union

Earn cash back

Earn bonuses and rebates on products, plus dividends on equity shares paid annually.

3,600+ ATMs

Access your money across Canada with over 3,600 free ATMs and six local branches.

Digital banking tools

Budget, bank and learn using online and mobile banking solutions 24/7.

No-limit banking

Get excited to save and spend with affordable account options including unlimited transactions.

How to reach us


Send us an email and get a response within one business day.


Monday - Friday
8:30 am - 5 pm
Saturday 8:30 am - 3 pm

Meet with us

Book an appointment with a
Financial Advisor.

Visit a branch

Stop by any branch and we promise you’ll get a smile.

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.

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