Estimate your monthly spending to calculate how many points you can earn annually!
Cash Back World Elite® Mastercard
84,200
Your Projected Reward Points earned in the first year of using Cash Back World Elite® Mastercard.
-
Welcome Bonus:
5,000
-
Grocery:
x4
36,000
-
Sustainable Transit:
x4
24,000
-
Dining:
x2
7,200
-
Entertainment:
x1
4,800
-
Recurring bill payments and streaming:
x2
4,800
-
Gas:
x1
1,200
-
All other payments:
x1
1,200
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Centra Gold Mastercard®
29,200
Your Projected Reward Points earned in the first year of using Centra Gold Mastercard®.
-
Welcome Bonus:
1,000
-
Grocery:
x1
9,000
-
Sustainable Transit:
x1
6,000
-
Dining:
x1
3,600
-
Entertainment:
x1
4,800
-
Recurring bill payments and streaming:
x1
2,400
-
Gas:
x1
1,200
-
All other payments:
x1
1,200
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World® Mastercard
59,600
Your Projected Reward Points earned in the first year of using World® Mastercard.
-
Welcome Bonus:
5,000
-
Grocery:
x3
27,000
-
Sustainable Transit:
x1
6,000
-
Dining:
x2
7,200
-
Entertainment:
x2
9,600
-
Recurring bill payments and streaming:
x1
2,400
-
Gas:
x1
1,200
-
All other payments:
x1
1,200
Learn More
Embrace the moment with Centra Gold in your pocket!
Apply for a Centra Gold now and get up to 2,000 Flex Rewards welcome points! Earn 1,000 points just by making your first purchase and another 1,000 points when you reach $1,500 in qualifying transactions within the first 100 days*.
This offer is available from January 1, 2025 and expires on December 31, 2025.
*Click here to view the offer Terms and Conditions.
Everyday rewards or travel benefits? The choice is yours.
Earn up to $220 in value, including your first-year annual fee rebated, when you apply for a premium credit card before April 30, 2025.
*Click here to view the offer terms and conditions
To earn the rate in each category, eligible purchases must be made with merchants assigned to that category. Categories are assigned based on merchant category codes (MCC) set by the Visa and Mastercard payment networks. The payment networks assign each merchant to one MCC, even if they offer a variety of products and services. For example, gas stations, grocery stores and drug stores all sell several different products, but all purchases from these merchants – regardless of the type of product – are always categorized under the merchants MCC. Collabria doesn’t control the merchant categories that Visa and Mastercard set. Depending on the card, earning categories may include:
Sustainable Transit: commuter passenger transportation (local and suburban), taxis, limousines, buses and electrical vehicle charging stations (codes 4111,4121, 4131, 4789, 5552);
Select Recurring Bills+ & Digital Streaming: telecommunication services including but not limited to local and long-distance calls; cable satellite; other paid television/radio/streaming services; record shops; digital goods - media, books, games, applications (excluding games) and large digital goods merchants; direct marketing - continuity/subscriptions merchant; DVD/Video tape rental stores; and video game arcades/establishments (codes 4814, 4816, 4899, 5735, 5815, 5816, 5817, 5818, 5968, 7841, 7994);
Gas: service stations with or without ancillary services; automated fuel dispensers (codes 5541, 5542);
Entertainment: movie picture theatres, theatrical productions and ticket agencies; bands (concerts), orchestra, tourist attractions and exhibits; amusement parks; circuses; carnivals; aquariums; cable; satellite; and other pay television/radio/streaming services (codes 7832, 7922, 7929, 7991, 7996, 7998, 4899);
Dining: eating places, restaurants, fast-food restaurants (codes 5812, 5814);
Grocery: grocery stores and supermarkets (code 5411).
Collabria cannot guarantee the category set for each merchant or that merchant you purchase from has the eligible MCC. Collabria can only award rewards or cash back on eligible purchases based on the merchant's MCC. Rewards and cash back earned are subject to certain conditions.
+Note: Select recurring bills and digital streaming are defined as payments made monthly and automatically billed by the merchant to your Cash Back card, Cash Back World Elite Mastercard or Cash Back Visa Infinite card by the merchant. Not all ongoing payments will be considered recurring bills and therefore may not earn bonus rewards. This includes bills and subscription payments such as: cell phone bills & phone services (telecommunication services), streaming services (video or music), digital downloads, cable, satellite, and other pay television/radio/streaming services.
Legal Disclaimer for Rewards Calculator
This tool is intended solely for informational purposes and should not be considered a substitute for financial or any other form of advice. The estimates, rewards, values, and calculations presented rely on the information provided by you and the existing rewards and benefits offered by Collabria. Actual rewards, values, and benefits may vary based on factors such as the selected card type, account activity, payments, and bonus offer. The potential rewards, including points, cash back, or other earned benefits, as well as interest-saving values, are approximate and are based on the first year of account opening and usage, along with current bonus offers.
Point earned from preferred categories will be added to select merchant categories as outlined in the Terms & Conditions of the cardholder agreement. Collabria Financial has no control over how a merchant is classified, as select merchant categories are set by the Visa and Mastercard payment networks. Collabria Financial is not responsible for how merchants are categorized. Collabria Financial will not issue additional bonus rewards should the merchant from whom cardholder made their Net Purchase not be classified in the category they expected. Rewards points earned are subject to certain conditions.
Please review the terms and conditions of all displayed reward programs and benefits on this comparison tool. Additionally, rates, fees, features, reward programs, bonus offers, and related terms and conditions are subject to change. For more information about your credit union's credit card products, please visit your branch or call 1.855.341.4643.
For more information about your credit union's credit card products, please visit your branch or call 1.855.341.4643.