The Best Credit Union Credit Cards in Canada

In Canada, the Big Six banks dominate the credit card landscape. But there’s an alternative that often goes overlooked: credit union credit cards. While less popular, credit cards issued by credit unions can offer unique benefits to meet your financial needs, and that of your local community as well. Here’s a comprehensive guide to the best credit union credit cards in Canada.

Why Choose a Credit Union Credit Card Over a Big Bank?

Credit unions are member-owned financial cooperatives, which means they operate to increase value for their members rather than external shareholders. Every client at a credit union is a shareholder with a say in how the organization is run. That means they own a part of it and vote on important issues.

Unlike a bank, a credit union’s business model takes a socialist approach because it is co-owned by its members (the people) and a percentage of profits are reinvested back into the local community. Compared to a bank’s board of directors who are paid and act as shareholders, a credit union’s board of directors are usually members who volunteer and are voted into the position. 

The key disadvantage of a credit union is that it is not open to everyone like a bank. A Credit union’s branch network does not sprawl coast to coast, so they can only accept members who live in the province in which the credit union operates. That’s because credit unions are regulated at the provincial level, unlike the Big Banks that are federally regulated. 

The upside is that credit unions tend to have a more grassroots community-oriented focus, often providing products and services tailored to the unique needs of their members. So, if you’re looking for personalized service, lower fees, and community involvement at the local level, a credit union credit card might be the perfect fit for you.

Let’s dive into some of the best credit union credit cards in Canada by province, moving from west to east starting with British Columbia.

British Columbia

In British Columbia, the awe-inspiring natural beauty of the Pacific coast and towering mountains fosters a community of people who are passionate about outdoor adventure and environmental stewardship. This vibrant province is home to a diverse population that thrives on creativity, innovation, and multiculturalism. By choosing a credit union in BC, you are supporting a financial institution that shares your love for the natural world and understands the importance of community involvement and environmental sustainability. Here are the best credit union credit cards in BC:

Vancity enviro Visa classic card

Discover a Vancity credit union credit card that aligns with your values – the enviro Visa Classic card. With no annual fee, this card lets you earn 1 point for every $2 spent on all purchases, and double the points when you book travel through Vancity Rewards.

Make a difference with every purchase, as 5% of profits from all enviro Visa cards support the Vancity enviroFund program annually, contributing to positive change in your community.

With the enviro Visa Classic card, you’ll benefit from up to $200,000 in common carrier travel accident insurance for you, your spouse, and your dependent children when you pay at least 75% of the fare with your card. Whether by plane, train, or other common carrier, you’re covered for specified losses during your travels.

Shop with confidence, as this card provides purchase security insurance, protecting your eligible purchases from theft or damage for 90 days from the purchase date. Extend the original manufacturer’s warranty up to one additional year on eligible items with the extended warranty insurance.

Vancity enviro Visa Gold card

Upgrade your Vancity Rewards experience with the enviro Visa Gold card. This personal credit union credit card lets you earn more reward points while offering extra insurance coverage to enhance your peace of mind while travelling.

For every $1 you spend on all purchases, you’ll earn 1 point. Double your points when booking travel through Vancity Rewards – an excellent option for frequent travellers. Kickstart your rewards with 2,500 bonus points on your first purchase, equivalent to $25 in rewards value. Celebrate your card’s anniversary with an additional 3,500 bonus points every year, equivalent to $35 in rewards value.

You can feel good about using your enviro Visa Gold card, as 5% of profits from all enviro Visa cards go towards supporting the Vancity enviroFund program annually, making a positive impact in your community.

Enjoy the reassurance of the price protection service. If you find a lower written advertised price for an eligible product within 60 days of charging the full cost to your enviro Gold Visa card, you can be reimbursed the difference.

Additional credit card benefits include:

• Auto rental collision/loss damage insurance
• Common carrier travel accident insurance
• Delayed and lost baggage insurance
• Purchase security insurance
• Extended warranty insurance

Vancity enviro Visa Infinite card

The enviro Visa Infinite card is designed for those who want to squeeze every bit of juice from their credit union credit card. It not only lets you earn more reward points on your purchases but also offers enhanced insurance coverage and exclusive premium benefits.

Feel good about your spending knowing that 5% of the profits from this card support the Vancity enviroFund program every year. Here’s how you can earn points:

• 10 points for every $1 spent at select local businesses
• 5 points for every $1 spent on public transit and ferries
• 2.5 points for every $1 spent on groceries
• 1.25 points for every $1 spent on all other purchases

When you book your travel through Vancity Rewards, you’ll earn twice the points, making it even easier to redeem rewards. Plus, enjoy these premium benefits with your enviro Visa Infinite card:

• Get access to airport lounges for a more comfortable travel experience
• Upgrade your stay with hotel perks and privileges
• Join exclusive dining and wine events
• Access special sports and entertainment offers
• Enjoy elevated platinum status at over 60 Sandman hotels
• Get assistance with the 24/7 concierge service, available to help with your every need

Additional card benefits include: 

• Auto rental collision/loss damage insurance
• Common carrier travel accident insurance
• Delayed and lost baggage insurance
• Flight delay insurance
• Emergency travel assistance services
• Extended warranty insurance
• Price protection service
• Purchase security insurance
• Mobile device insurance

Alberta

Alberta is known for its rich natural resources and the resilience of its people. The sense of community in this province is built upon a history of hard work, bootstrapping, and a strong commitment to building a better future. Albertans are fiercely independent, yet deeply connected to their communities. By choosing a credit union in Alberta, you are joining a financial institution that shares your values of independence and community and is dedicated to helping you achieve your financial goals. Here are the best credit union credit cards in AB: 

Servus Credit Union Mastercard Gold

The Servus Gold Mastercard gives you a high credit limit with the additional security of travel protection. The Servus Circle Reward Points program gives you 1 point for every $1 spent on eligible purchases, which is 1% back on all your eligible purchases. There is no limit on how many points you can earn and they never expire.

Redeeming your points is a breeze. You can put them toward a Circle Rewards GIC, use them to get cash back on your credit card balance, trade them in for merchandise, and so much more. Plus, Each year, you’ll receive 25% of your annual fee back in Profit Share Rewards Cash, a little extra something to make your day even brighter.

Enjoy these complimentary benefits: 

• Purchase Assurance
• Extended Warranty
• Travel Emergency Medical Insurance
• Trip Cancellation Insurance
• Trip Interruption Insurance
• Baggage Delay Insurance
• Common Carrier Accidental Death and Dismemberment Insurance
• Accidental Death Insurance
• Car Rental Personal Effects Insurance
• Car Rental Collision Damage Waiver Insurance
• Car Rental Accidental Death and Dismemberment Insurance

Servus Credit Union World Elite Mastercard

With the World Elite Mastercard, every eligible purchase earns you a generous 2% back in Servus Circle Rewards points, which is 2 points for every dollar spent. And what’s even better, those points never expire and there’s no limit to the rewards you can earn.

You’ve got options when it comes to redeeming your points. Put them to work in a Circle Rewards GIC, use them for cash back on your credit card balance, or trade them in for merchandise. The choice is yours!

Every year, you’ll receive 25% of your annual fee back in Profit Share Rewards Cash. As a cardholder, you also get access to exclusive perks like access to airport lounges with DragonPass, Mastercard Travel Rewards, Priceless.com, and Boingo Wi-Fi for Mastercard Cardholders. Plus, you can enjoy on-demand and subscription services including Ritual.

And if you ever need assistance, their Concierge service is there to help. Enjoy stress-free travel with these additional card benefits:

• Identity Theft Assistance Service
• Purchase Assurance and Extended Warranty
• Travel Emergency Medical Insurance
• Trip Cancellation Insurance
• Trip Interruption Insurance
• Baggage Delay Insurance
• Common Carrier Accidental Death and Dismemberment Insurance
• Accidental Death Insurance
• Car Rental Personal Effects Insurance
• Car Rental Collision Damage Waiver Insurance
• Car Rental Accidental Death and Dismemberment Insurance
• Travel Assistance Services

Servus Credit Union No Fee Mastercard

With the No Fee Mastercard, you can still enjoy great rewards without the burden of an annual fee. earn Servus Circle Rewards on all your eligible purchases – at a rate of 1 point for every $2 spent. Best of all, your points will never expire, so you can save them up for something truly special. There’s no cap on the Circle Rewards you can earn, giving you unlimited potential to reap the benefits of your spending. 

Enjoy peace of mind with Baggage Delay Insurance, ensuring you’re not left out of pocket if your luggage is late. And, should the unexpected happen, you’ll be protected with Common Carrier Accidental Death and Dismemberment Insurance.

Saskatchewan

Saskatchewan is known for its vast prairies, agricultural heritage, and a strong sense of togetherness that ties people together. The province is home to tight-knit communities that value hard work, helping hands, and their connection to the land. By choosing a credit union in Saskatchewan, you are joining a financial institution that shares your values of hard work, community spirit and is committed to helping you achieve your financial goals. Here are the best credit union credit cards in SK:

Conexus Credit Union Cash Back Mastercard

The Conexus Cash Back Mastercard is an ideal choice for those who frequently use their credit card and are looking to enjoy multiple benefits from their spending. With this card, you’ll earn 1 point for every $1 spent on all purchases and 2 points for every $1 spent at gas stations.

When it comes to redeeming your points, you have the flexibility to choose what works best for you:

Cash back credit: Deposit your cash back credit into your chequing or savings account, use it to pay off your credit card balance, or save it for future needs.

Rewards from their catalogue: Choose from a wide range of merchandise, gift cards, travel options, event tickets, and exciting adventures.

Enjoy added protection with Purchase Protection, covering eligible items from theft or damage within the first 90 days of purchase. Extend the manufacturer’s warranty by up to an additional 12 months with our Extended Warranty coverage.

For peace of mind, the Conexus Cash Back Mastercard also includes Mobile Device Insurance, offering up to $1,000 (subject to depreciation) for the replacement or repair of your cell phone or tablet in case of loss, theft, accidental damage, or hardware failure.

Conexus Credit Union Centra Gold Mastercard

The Centra Gold Mastercard offers the perfect balance between valuable rewards and a low-interest rate of just 9.90%. With this credit union credit card, you can enjoy the privileges you want while saving on interest costs. Plus, you’ll earn 1 Conexus Reward point for every $1 you spend, which can be redeemed for a wide range of rewards.

Deposit your cash back credit into your chequing or savings account to use however you want. Or use them to buy merchandise, gift cards, travel options, event tickets, and exciting adventures from their catalogue. 

Additional card benefits include:

• Common Carrier Accident Protection
• Auto Rental Collision/Loss Insurance
• Purchase Protection
• Extended Warranty 

Conexus Credit Union Travel Rewards Gold Mastercard

The Conexus Travel Rewards Gold Mastercard is your ultimate travel companion, designed to offer both rewards and protection wherever you go. You’ll effortlessly earn 1 Conexus Reward point for every $1 spent on your card, and you’ll even earn double the points when you make purchases in foreign currencies – globetrotters rejoice!  

Redeeming your points is just as easy and flexible. Opt for cash back directly on your Travel Rewards Gold Mastercard, or simply deposit the credit into your Conexus chequing or savings account. But it’s not just about the rewards; it’s also about travelling with peace of mind. 

This card offers a wide range of travel-related insurance coverages, including Common Carrier Accident Protection and Intergenerational Insurance Coverage, which extends to grandchildren when they’re travelling with grandparents. Plus, you’ll have access to Emergency Health Care Coverage, Trip Cancellation & Trip Interruption Insurance, Lost or Delayed Baggage Coverage, and Auto Rental Collision/Loss Insurance. And, should you need any help while you’re on the go, 24/7 travel assistance is at your service. 

Additional card perks include: 

• Purchase Protection 
• Extended Warranty Protection

Manitoba

Manitoba’s community spirit is rooted in its rich history, diverse cultures, and the resilience of its people. The province is known for its friendly and welcoming atmosphere, where neighbours help each other out and communities come together in times of need. By choosing a credit union in Manitoba, you are supporting a financial institution that understands the importance of community, celebrates diversity, and is dedicated to making a positive impact on the lives of its members. Here are the best credit union credit cards in MB:

SCU Cash Back Mastercard

The Cash Back Mastercard from Steinbach Credit Union (SCU) rewards you for the things you love. With this card, you’ll earn 2 points on every dollar you spend at the gas pump – perfect for those who are always on the go. And when it’s time to unwind, you’ll earn 1 point per dollar on all your entertainment purchases, and 0.5 points per dollar on everything else. 

Looking to consolidate your debt? Enjoy peace of mind with a balance transfer at a low rate of just 3.9% and no transfer fees. Plus, you can shop with confidence thanks to Purchase Protection, Extended Warranty, and Mobile Device Insurance so you can stay connected without worry.

SCU Cash Back Mastercard

The World Mastercard rewards you with premium privileges. Earn points effortlessly with every purchase you make. You’ll get a whopping 3 points for every dollar spent on groceries – perfect for those who love to cook up a storm. And for those who prefer to dine out or enjoy some entertainment, you’ll earn 2 points per dollar. For all other purchases, you’ll still be rewarded with 1 point per dollar.

Rewards can be redeemed merchandise, gift cards, or a credit on your statement. But something unique about this card is the ability to redeem points for a hotel or private vacation rental, or donate them to charity!

Stay connected wherever you go with Boingo Wi-Fi, available at over 1 million hotspots around the world. And for those cherished moments with your grandchildren, this card has you covered. When they’re travelling with you, they’ll enjoy the same emergency healthcare coverage that you do.

Additional card benefits include: 

• Auto Rental Collision/Loss Damage Insurance
• Purchase Protection
• Extended Warranty
• Emergency Health Care Coverage
• Trip Cancellation & Interruption Insurance
• Lost or Delayed Baggage
• 24/7 Travel Assistance

Cambrian Credit Union Cash Back Mastercard

The Cash Back Mastercard from Cambrian Credit Union fuels your everyday life with rewards. Every time you fill up at the pump, you’ll earn a generous 2 points for every dollar you spend on gas purchases. And when it’s time for some fun, you’ll score 1 point per dollar spent on entertainment and 0.5 points per dollar on everything else.

Need to transfer a balance? Enjoy a no-fee balance transfer at an attractive rate of just 3.9%, giving the ability to pay off an existing credit balance much faster. 

Plus, your purchases are covered with Purchase Protection and an Extended Warranty. And for those who live life on the go, enjoy the added security of Mobile Device Insurance.

Cambrian Credit Union Centra Gold Mastercard

Meet the Centra Gold Mastercard, the rewards credit card that offers you all the benefits without the hefty annual fees or high interest rates. With this card, every dollar you spend earns you a point.

Redeem your points for gift cards, merchandise, or even a credit on your credit card statement. If you’re feeling adventurous, use your points for private vacation rentals, hotel accommodations, flights, and unforgettable travel experiences. And for those looking to make a difference, you can also redeem your points for charity donations.

With Mobile Device Insurance, you can rest assured that your devices are protected. Plus, Purchase Protection and an Extended Warranty allow you to shop with confidence.

Cambrian Credit Union Cash Back World Elite Mastercard

Introducing the Cash Back World Elite Mastercard, the new Cambrian Credit Union card that offers unbeatable rewards on your everyday spending. You’ll earn an incredible 4 points for every dollar you spend on groceries and transit to a maximum of $20,000 spent per year. For select recurring bills, digital streaming, and dining, you’ll earn a generous 2 points for every dollar. And for everything else, you’ll still earn a solid point for every dollar you spend.

Points can be redeemed as cash rewards deposited directly into your bank account or apply them as a statement credit. You can also redeem points for a wide assortment of merchandise and gift cards. If you’re looking to get away, redeem your points for private vacation rentals, hotel accommodations, flights, and unforgettable travel experiences. You can also make a difference by redeeming your points for charity donations.

Additional benefits include: 

• 24/7 Travel Assistance
• Emergency Health Care Insurance 
• Lost/Stolen Baggage Coverage
• Protection For Grandchildren Travelling With You
• Auto Rental Collision/Loss Damage Insurance
• Purchase Protection
• Extended Warranty Insurance
• Mobile Device Insurance

Ontario

Ontario is known for its diverse culture and the entrepreneurial spirit of its people. The province is home to some of Canada’s most vibrant cities, where innovation and creativity thrive. Residents value ambition and a commitment to making their communities better places to live. By choosing a credit union in Ontario, you are joining a financial institution that shares your drive for success, understands your ambition, and is committed to helping you achieve your dreams. Here are the best credit union credit cards on ON:

Meridian Visa Cash Back Card

The Meridian Visa Cash Back Card allows you to get more value out of your everyday spending with double rewards points on the essentials. Earn 2 rewards points for every $2 spent on gas, grocery, pharmacy store purchases, and utility bill payments. For all other eligible purchases, you’ll earn 1 reward point for every $2 spent.

Redeem your rewards your way. Choose from a variety of options, including gift cards, merchandise, and travel. You can even apply your rewards as an account credit.

Shop with confidence with the Price Protection Service. If a new eligible item you purchased with your card is advertised at a lower price in Canada within 60 days of purchase, you’ll be reimbursed the difference, up to $100 per item and $500 per account per year.

Additional card benefits include:

• Common Carrier Travel Accident Insurance
• Mobile Device Insurance
• Purchase Protection Insurance
• Extended Warranty Insurance

Meridian Visa Platinum Cash Back Card 

The Meridian Visa Platinum Cash Back Card offers even more rewards on your everyday spending with a low annual fee. Earn an impressive 2 reward points for every $1 you spend on gas, groceries, pharmacy store purchases, and utility bill payments. For all your other eligible purchases, you’ll still earn a generous 1 rewards point for every $1 spent.

Redeeming your rewards has never been easier. Choose from a wide array of options, including gift cards, merchandise, travel, or simply redeem your rewards for cash applied a credit on your account.

Protect your budget with Price Protection Service. If you find a new eligible item you purchased with your card advertised at a lower price in Canada within 60 days of purchase, you’ll be reimbursed the difference, up to $100 per item and $500 per account per year.

Other benefits include: 

• Delayed Baggage and Lost/Damaged Baggage Insurance
• Common Carrier Travel Accident Insurance
• Auto Rental Collision/Loss Damage Insurance
• Mobile Device Insurance
• Purchase Protection Insurance
• Extended Warranty Insurance
• Travel Assistance Service

Meridian Visa Infinite Cash Back Card

Maximize your cash back rewards with the Meridian Visa Infinite Cash Back Card. For every $1 you spend on gas and groceries, you’ll be rewarded with a whopping 4 reward points, which is equivalent to 4% cash back! Spend at the pharmacy or on utility bills, and you’ll still earn an impressive 2 reward points for every $1 spent. And for all your other eligible purchases, you’ll earn 1 reward point for every $1 spent.

Redeeming your cash back rewards is simple and flexible. Choose from a variety of options, including gift cards, merchandise, travel, or take your rewards as cash which will be applied to your account as a statement credit.

Stay worry-free with 24/7 Travel Assistance, offering you help anywhere in the world at any time. And with the Price Protection Service, you can shop with confidence. If an eligible item you purchased with your card is advertised at a lower price in Canada within 60 days of purchase, you’ll be reimbursed the difference, up to $100 per item and $500 per account per year.

Additional card benefits include: 

• Travel Emergency Medical Insurance
• Trip Cancellation & Trip Interruption/Delay Insurance
• Delayed Baggage and Lost/Damaged Baggage Insurance
• Common Carrier Travel Accident Insurance
• Auto Rental Collision/Loss Damage Insurance
• Mobile Device Insurance
• Purchase Protection Insurance
• Extended Warranty Insurance

Quebec

Quebec cherishes its unique culture and language. The people of this province are known for their joie de vivre, rich artistic traditions, and their commitment to preserving their cultural heritage. They’re also fiercely proud of their history and their distinct identity within Canada. By choosing a credit union in Quebec, you are supporting a financial institution that values cultural preservation, celebrates artistic expression, and is dedicated to serving the unique needs of its members. Here are the best credit union credit cards in QC:

Desjardins Cash Back Mastercard

With Desjardins Cash Back Mastercard, you’ll earn a fantastic 2% back on all your restaurant and entertainment purchases, as well as alternative transportation and pre-authorized payments. For all your other purchases, you’ll still earn a respectable 0.5% back.

Plan your next getaway with peace of mind, knowing you and your family are covered with free travel insurance for trips up to 3 days. This includes emergency healthcare coverage, trip cancellation coverage, and baggage coverage. Plus, you’ll have access to 24/7 travel assistance, anywhere in the world.

And for road-trip enthusiasts, enjoy up to 15% off and a host of other benefits when you use your Desjardins credit card to rent a car at Hertz, Thrifty, and Dollar.

Additional benefits include:

• Mobile Device Insurance
• Purchase Protection 
• Extended Warranty Protection

Desjardins Cash Back World Elite Mastercard

From groceries to dining out, entertainment, and alternative transportation, the Cash Back World Elite Mastercard gives you cash back on everything you buy. Earn an impressive 4% back on grocery purchases, and a remarkable 3% back on restaurant, entertainment, and alternative transportation expenses. For all other purchases, you still earn a solid 1% back.

You and your family can travel with peace of mind, knowing you’re covered with free travel insurance for trips up to 3 days. This includes emergency healthcare, trip cancellation, and baggage coverage, plus 24/7 travel assistance from anywhere in the world.

Enjoy stress-free travel with complimentary access to over 1,300 airport lounges in more than 140 countries, thanks to Mastercard Travel Pass. Simply download the app and show your membership. And stay connected wherever you go with free access to over 1 million Boingo Wi-Fi hotspots worldwide. 

Additional card benefits include: 

• Up to 25% off car rentals at Hertz, Thrifty, and Dollar
• Auto rental collision and loss damage insurance
• Mobile device insurance
• Purchase Protection 
• Extended Warranty Protection

Desjardins Odyssey World Elite Mastercard

The Odyssey World Elite Mastercard gives you 3% back in BONUSDOLLARS on groceries, 2% back on restaurants, entertainment, and alternative transportation, and 1.5% back on all other purchases. Every BONUSDOLLAR you earn equals $1 you can redeem, making your rewards tangible and effortless to use.

Enjoy exclusive access to the Desjardins Odyssey Lounge at Montréal-Trudeau Airport, a peaceful haven where you can unwind before your flight. With comprehensive travel insurance covering you and your family for up to 60 consecutive days, you can travel with confidence knowing you’re protected. This coverage even extends to your grandchildren when they’re travelling with you.

From emergency healthcare to trip cancellation, baggage coverage, and 24/7 worldwide travel assistance, you’re always covered for the unexpected. Then enhance your travel even further with complimentary access to over 1,300 airport lounges in more than 140 countries through Mastercard Travel Pass. Simply download the app and present your membership.

Stay connected on the go with free access to over 1 million Boingo Wi-Fi hotspots worldwide. Register on the Mastercard website to enjoy uninterrupted connectivity wherever your journey takes you.

Additional card perks include: 

• Up to 25% off car rentals at Hertz, Thrifty, Dollar
• Auto rental collision and loss damage insurance
• Mobile device insurance
• Purchase Protection 
• Extended Warranty Protection

New Brunswick

New Brunswick is beloved for its coastal beauty and the warmth and hospitality of its people. The province is home to close-knit communities that cherish their maritime heritage and their connection to the sea. New Brunswickers are known for their welcoming spirit, strong sense of community, and resilience in the face of adversity. By choosing a credit union in New Brunswick, you are joining a financial institution that shares your love for the sea, values community ties, and is dedicated to helping you navigate life’s challenges. Here are the best credit union credit cards in NB: 

UNI Cash Back Mastercard

The CASH BACK Mastercard from UNI Financial offers you the opportunity to earn cash rewards on your purchases without the burden of an annual fee. With this credit union card, you can enjoy up to 2% cash back on all your purchases. As a cardholder, you will also receive three days of complimentary travel insurance, adding an extra layer of protection to your trips. If you have a spouse or another family member who would benefit from the card, you can get an additional card at no extra charge. 

For those who love to travel, the card offers a bonus feature: you can get up to 15% off at Hertz locations and up to 10% off at Dollar and Thrifty locations. Plus, your essential devices are protected with Mobile Device insurance. This card is an excellent choice for individuals seeking cash rewards, insurance benefits, and travel discounts without the hassle of an annual fee.

UNI Odyssey Gold Visa

The Odyssey Gold Visa card offers a range of comprehensive benefits and earns BONUS DOLLARS on almost all your essential spending. Enjoy getting 2% on restaurant, entertainment, and transportation purchases and preauthorized bill payments. Groceries and all other card purchases earn 1%. One BONUSDOLLAR is worth $1.

BONUSDOLLARS can be redeemed for travel rewards such as flights, car rentals, hotels, cruises, and railway tickets. You can also use them for alternative transportation like local buses, taxis, limousines, and charging stations for electric vehicles. They can be redeemed at restaurants, both sit-down and fast food. For entertainment, you can use them for things like theatre tickets, concerts, attractions, movie theatres, amusement parks, and sporting events. You can also redeem them for donations, gift cards, and Desjardins financial products and services.

This credit union credit card also includes travel insurance with coverage up to $5,000,000. The card also provides a Travel Assistance Service that is available for free, 24 hours a day, 7 days a week, ensuring you have support whenever you need it while travelling. 

Additional card benefits include:

• Mobile Device Insurance
• Purchase Protection
• Extended Warranty Coverage 
• Up to 25% discount on car rentals at Hertz, Dollar, Thrifty

Nova Scotia

Nova Scotia is a province that celebrates its maritime heritage and the strong bonds of its communities. The people of Nova Scotia are known for their warmth, hospitality, and deep connection to the sea. Nova Scotians take pride in their cultural traditions and their ability to come together in times of need. By choosing a credit union in Nova Scotia, you are supporting a financial institution that understands the importance of community, celebrates maritime culture, and is committed to helping you achieve your financial goals. Here are the best credit union credit cards in NS: 

CUA Cash Back Mastercard

This Credit Union Atlantic (CUA) Cash Back Mastercard allows you to earn cash rewards for everyday purchases and enjoy peace of mind with a no-fee 3.9% balance transfer rate. You’ll earn 2 points for every $1 spent on gas purchases, 1 point for every $1 spent on entertainment purchases, and 0.5 points for every $1 spent on all other purchases. 

Points can be redeemed for a wide range of rewards. You can choose from over 60,000 top-selling merchandise items or get gift cards from more than 60 top Canadian retailers. If you prefer cash rewards, you can opt for a direct deposit into your financial institution’s Chequing or Savings account or receive a statement credit. 

For those who love to travel, you can redeem your points for private vacation rentals, hotel accommodations, flights, and unique travel experiences. Additionally, you can use your points to make charity donations.

Other card perks include: 

• Purchase Protection 
• Extended Warranty Coverage
• Mobile Device Insurance

CUA Centra Gold Mastercard

The Centra Gold Mastercard is a credit card designed to help you earn valuable reward points on your regular purchases without burdening you with high fees or high interest rates. Every time you use your Centra Gold Mastercard, you earn 1 point for every $1 you spend on everyday purchases. 

The reward points you accumulate can be redeemed for a wide range of options. You can choose from 60,000 top-selling merchandise items, including items directly from the Best Buy Catalogue. Alternatively, you can opt for gift cards from over 60 top Canadian retailers. If you prefer cash rewards, you can receive a statement credit. 

For those who enjoy travel, you can redeem your points for private vacation rentals, hotel accommodations, flights, and unique travel experiences. You also have the option to use your points to make charitable donations.

Additional card benefits include:

• Purchase Protection
• Extended Warranty Coverage
• Mobile Device Insurance.

Prince Edward Island (PEI)

Prince Edward Island is one of Canada’s best-kept secrets, known for its stunning coastal landscapes and its strong sense of community. The people of PEI are beloved by travellers for their friendliness, open-hearted communities, and their connection to the land and the sea. Islanders take pride in their agricultural heritage and their ability to support one another in all seasons of life. By choosing a credit union in PEI, you are joining a financial institution that values community, understands your connection to the land, and is dedicated to helping you achieve your financial goals. Here are the best credit union credit cards in PEI: 

Provincial Credit Union Cash Back Mastercard

The Cash Back Mastercard from Provincial Credit Union is a credit card that offers a generous rewards program. Cardholders earn 2 points for every $1 spent on gas purchases, 1 point for every $1 spent on entertainment purchases, and 0.5 points for every $1 spent on all other purchases. This card also provides peace of mind with 3.90% balance transfer rate with no transfer fees.

The reward points that you accumulate with this card can be redeemed for a variety of options. You can choose from a selection of 60,000 top-selling merchandise items or opt for gift cards from more than 60 top Canadian retailers. If you prefer cash rewards, you can have the reward deposited directly into your financial institution’s Chequing or Savings account or receive a statement credit. 

For travel enthusiasts, you can redeem your points for private vacation rentals, hotel accommodations, flights, and unique travel experiences. Alternatively, you can use your points to make charitable donations.

Additional card benefits include:

• Purchase Protection 
• Extended Warranty Coverage
• Mobile Device Insurance

Provincial Credit Union Concentra Gold Mastercard

With the Centra Gold Mastercard, you can earn 1 point for every $1 spent on everyday purchases. These points can be redeemed for a wide variety of rewards, giving you plenty of options to choose from. You can use your points to get top-selling merchandise items, with a selection of over 60,000 items available. If you prefer shopping at your favourite retailers, you can redeem your points for gift cards from more than 60 top Canadian retailers. 

If you’d rather have cash back, you can opt for cash rewards in the form of a statement credit. For those who love to travel, you can use your points to book private vacation rentals, hotel accommodations, flights, and unique travel experiences. If you want to give back, you can also use your points to make charitable donations.

Additional card perks include: 

• Purchase Protection
• Extended Warranty Protection 
• Mobile Device Insurance

Newfoundland & Labrador

Newfoundland and Labrador is a province that celebrates its rich maritime history and the resilience of its people. The province is known for its rugged natural beauty, its close-knit communities, and the strong bonds that connect its people. Newfoundlanders and Labradorians are known for their hospitality, their sense of humor, and their ability to come together when times are tough. By choosing a credit union in Newfoundland and Labrador, you are supporting a financial institution that values community, celebrates maritime heritage, and is dedicated to helping you achieve your financial goals. Here are the best credit union credit cards in NFL: 

Atlantic Edge Credit Union Cash Back Mastercard

The Cash Back Mastercard from Atlantic Edge Credit Union (Formerly Eagle River Credit Union) racks up points on every purchase you make. Fill up your tank and earn a remarkable 2 points for every dollar spent on gas, while enjoying a solid 1 point per dollar on all your entertainment expenditures. For all other purchases, you’ll still receive a respectable 0.5 points per dollar. Plus, breathe easy with the 3.9% balance transfer rate – and the best part, there’s no transfer fee involved.

Turn your everyday spending into incredible rewards. Choose from an extensive catalog of over 60,000 hot-selling items or trade your points for gift cards from more than 60 of Canada’s leading retailers. If you’re a cash lover, the reward points can be conveniently deposited straight into your Chequing or Savings account or applied as a credit to your statement.

Travellers, get ready to set off on your next adventure by using your points for private vacation stays, luxurious hotel rooms, exciting flights, or unforgettable travel experiences. Feel like making a difference? Your points can be used to make impactful charitable donations as well.

Additional card benefits include:

• Purchase Protection 
• Extended Warranty Coverage
• Mobile Device Insurance

Atlantic Edge Credit Union Concentra Gold Mastercard

With the Centra Gold Mastercard, every purchase is an opportunity to reward yourself. With every dollar you spend, you earn 1 point that can be redeemed for a spectacular array of rewards. Imagine having access to over 60,000 top-selling merchandise items, all at your fingertips, ready to be claimed with your earned points.

For the shopaholics, indulge in retail therapy with gift cards from more than 60 of Canada’s leading retailers, giving you the freedom to shop at your favourite stores. Prefer a cash infusion? Choose to receive cash rewards in the form of a statement credit, giving you the flexibility to use it as you see fit.

Travel enthusiasts, take off on your next adventure by redeeming your points for private vacation rentals, luxurious hotel stays, thrilling flights, and one-of-a-kind travel experiences. Feel the joy of giving by using your points to make impactful charitable donations.

Additional card perks include: 

• Purchase Protection
• Extended Warranty Protection 
• Mobile Device Insurance

Pros of Credit Union Credit Cards

Customer-Centric Approach: Credit unions prioritize their members, which often translates to more personalized service and customer satisfaction.

Lower Fees: Credit unions tend to have lower fees and more favourable terms than big banks.

Community Focus: Credit unions often invest in local communities and support social initiatives.

Cons of Credit Union Credit Cards

Limited Availability: Credit unions are typically regional and may not have as wide a network as big banks. 

Less Variety: Credit unions might offer fewer credit card options compared to big banks.

Fewer Perks: Big banks may provide more perks and benefits, especially for premium cards.

How to Choose the Right Credit Union Credit Card

Annual Fee: Consider whether you’re willing to pay an annual fee in exchange for additional benefits.

Interest Rate: If you carry a balance, a lower interest rate could save you money.

Rewards: Decide what type of rewards (cash back, travel miles, points) are most valuable to you.

Special Perks: Look for perks like insurance, concierge service, or exclusive offers.

Who Should Consider a Credit Union Credit Card?

Community-Minded Individuals: If you value community involvement and local investment, credit unions are a great choice.

Those Seeking Personalized Service: Credit unions tend to provide more personalized, customer-focused service.

Fee-Conscious Consumers: If you’re looking to avoid high fees and unfavourable terms, credit unions may offer better options.

Credit Union credit cards: the takeaway

While credit union credit cards may not be as well-known as those from big banks, they offer unique benefits and tailored features that could be a perfect fit for your financial needs. Consider your priorities, needs, and values when choosing a credit card, and you may find that a credit union credit card aligns well with your goals.