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A Credit Union MasterCard® that meets your unique needs? PRICELESS!
CU CREDIT MasterCard offers a broad range of credit card products with an array of features
designed to meet the diverse needs of the Education Credit Union members: from students, to
globetrotters, to small business owners and you need not be a member to apply!
With all CU CREDIT MasterCard credit cards, you receive:
- Global acceptance at over 21,000,000 locations worldwide
- ATM access at over 835,000 locations in more than 120 countries
- Emergency cards and emergency cash with one phone call
- Master RoadAssist® 24-hour roadside assistance at preset rates
- Lost and stolen card assistance 24 hours a day, 7 days a week
- Optional Balance Protection Insurance
And you can get much, much more from your card by adding the Choice Rewards Program to your CU CREDIT MasterCard.
To view a comparison between the MasterCard products available click here.
 
CU CREDIT Low Fee MasterCard
The Low Fee MasterCard credit card gives you select features and benefits with a low annual fee. Enjoy the security of Credit Card Registry as well as Purchase Protection and Extended Warranty on most items purchased with your card. Travel worry-free with Master RoadAssist, Travel Accident Insurance, Emergency Cards and Cash, and Trip Cancellation Insurance.
- Annual fee: $12
- With Choice Rewards: $24
- APPLY
CU CREDIT Low Fee Gold MasterCard
Take advantage of the exceptional benefits offered through the Low Fee Gold MasterCard credit card including Trip Cancellation Insurance, Purchase Protection, Extended Warranty, MasterRental®, MasterTrip®, and MasterLegal®. It is a great choice for you if you want a card with comprehensive benefits at a lower annual fee.
- Annual fee: $35
- With Choice Rewards: $59
- APPLY
CU CREDIT Student MasterCard
If you are a student between 18 and 25 years old enrolled in a post-secondary institution, the Student MasterCard credit card has everything you need to make the grade. Receive a credit limit up to $1,000, and start building that important credit history. Student MasterCard features Purchase Protection and Extended Warranty insurances on most purchases you make with the card.
- Annual fee: none
- With Choice Rewards: $24
- APPLY
CU CREDIT No Fee MasterCard
The No Fee MasterCard credit card is perfect for you if you are not interested in a value-added credit card. You will automatically accumulate Choice Rewards points with this card, but at half the rate of other CU CREDIT MasterCard credit cards (one point for every two dollars spent on the card). With the No Fee MasterCard you are covered for up to $100,000 by Common Carrier Travel Accident Insurance.
- Annual fee: none
- With Choice Rewards: n/a
- APPLY
CU CREDIT Gold MasterCard
Gold MasterCard offers you an outstanding set of features such as Out-of-Province/Country Medical Insurance, MasterRental®, MasterTrip®, MasterLegal® and MasterPurchase®. This is the perfect card for those who require a higher credit limit and appreciate the added security of an extensive travel package.
- Annual fee: $96
- With Choice Rewards: $120
- APPLY
CU CREDIT Platinum Class® MasterCard
The Platinum Class MasterCard credit card offers you a unique points program just for travellers. The Platinum Class Travel Rewards program gives you a two percent return towards the travel of your choice.
This travel reward program is more flexible and offers better value than other airline-affiliated programs because you have the opportunity to select any airline, any travel time, free from black-out periods, seat restrictions and advance booking requirements. And, if you transfer a balance of $500 or more from a retail or financial institution credit card, you will earn one point for every dollar you transfer.
Enjoy full coverage offered by MasterRental®, MasterTrip®, Out of Province/Country Medical Insurance, MasterLegal®, MasterPurchase (Purchase Assurance and Extended Warranty), Accidental Death coverage, Trip Cancellation Insurance, Master RoadAssist®, and access to emergency cash and cards.
- Annual fee: $150
- With Choice Rewards: n/a
- APPLY
CU CREDIT Business Card MasterCard
The CU Credit Business Card MasterCard credit card offers small businesses and corporate members added functionality by providing expanded features for convenience and financial control. This card can carry any number of names on the account. Credit limits can be set at the card level, and statements are sent to both the cardholder and the account administrator.
- Annual fee: $50 plus $10 per card per year
- With Choice Rewards: n/a
- APPLY (This link may need to be different if there is a different. application process for the Business Card)
The CHOICE REWARDS® Program
Get more from your CU Credit MasterCard and sign up for the Choice Rewards program today - available with most CU Credit MasterCard credit cards.
When you sign up for CHOICE REWARDS, you'll earn one CHOICE REWARDS point for every dollar you spend anywhere you use your MasterCard credit card (one point for every two dollars spent on the CU CREDIT No Fee MasterCard).
Transfer a balance of $500 or more from a retail or financial institution credit card and you'll earn one point for every dollar you transfer. Reward yourself by redeeming your CHOICE REWARDS points for brand name merchandise and all kinds of travel. You can choose merchandise from categories such as kitchen, household, electronics, bed & bath, health & fitness, and many more.
Visit the Choice Rewards web site to see the online catalogue and find out more.
OUT-OF-PROVINCE/COUNTRY TRAVEL HEALTH PLAN
Out-of-Province/Country Medical Insurance covers the first 31 days of each trip outside your home province or country. Coverage is up to $1,000,000, and includes:
- hospital and health care professional services
- prescriptions and treatments
- emergency dental care
- transportation and ambulance services
- return home, if required for further medical attention
- friend and family hospital visits
- return of deceased
- coverage applies to cardholders up to age 70
- top-up insurance is available for up to 180 days
24-hour assistance to:
- confirm coverage and payment
- arrange for medical evaluation
- transfer to another medical facility, if required
- assist in contacting your family or business partner
Please review the certificate of insurance when you receive your card.
TRIP CANCELLATION INSURANCE
Applies if you, a family member, or a travelling companion falls ill, experiences serious injuries or passes on unexpectedly, and requires you to cancel your tickets at the last minute.
- Coverage applies to cardholders up to age 70
- Tickets will be refunded up to $3,000 per account per trip
ACCIDENTAL DEATH INSURANCE
$1,000 will be paid to your beneficiary if you sustain accidental bodily injury causing death.
MASTERTRIP®
Common Carrier Travel Accident Insurance - up to $500,000 coverage when a portion or all of your ticket is purchased with your MasterCard.
- Unexpected Return Home Benefits - in the event of a death in your immediate family, you are covered for up to $2,000 for return travel
- Emergency Cash Transfer
- Lost Document and Ticket Replacement
- Lost Luggage Assistance
- Pre-Trip Information
MASTERPURCHASE®
- 90-day Purchase Protection
- Protection against loss, theft and damage for items purchased with your MasterCard
- Items will be replaced or repaired, or you will be reimbursed the purchase price
- Items given as gifts are also covered
Some limitations apply - Please see the certificate of insurance when you receive your card.
EXTENDED WARRANTY
The manufacturer's warranty is automatically extended for up to one additional year for items purchased with your MasterCard card. Items must have a valid warranty in Canada. Some limitations apply. Please see the certificate of insurance when you receive your card.
MASTERRENTAL
When you rent a car with your MasterCard card, you're protected with:
- Collision Damage Waiver Benefit - equivalent to that offered by the car rental company, provided you decline the car rental company's optional Collision Damage Waiver
- Car Rental Accidental Death and Dismemberment Benefits - up to $300,000 per accident
- Personal Effects Benefits - if your rental car is damaged or stolen, any personal effects in the car are covered up to $1,000 per insured person, up to $2,000 per rental period
MASTERLEGAL®
Legal Referrals and Payment Assistance - in those countries that the MasterAssist Operations Centre deems safe for travel, you will be assisted in locating a legal advisor, and in paying legal fees up to $5,000 (billable to your MasterCard account, and subject to credit availability).
OPTIONAL BALANCE PROTECTION INSURANCE
Protection if your earnings are affected by job layoff, involuntary dismissal , disability, illness or accident.
- Payment is made on your MasterCard account until you return to work, up to $10,000
- In the event of loss of life, your entire account will be paid off, up to $10,000
- Premium is 80 cents for every $100 of outstanding balance
- You do not pay a premium if you do not carry a balance
MASTER ROADASSIST®
24-hour roadside assistance at pre-set rates through access via a toll-free number. The service is charged to your MasterCard account.
COMMON CARRIER TRAVEL ACCIDENT INSURANCE
You're covered for up to $100,000 in the event of an accident when a portion or all of your ticket is purchased with your MasterCard.
If you are an ECU member, and would like your application expedited, please contact us.
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Education Centre
519-742-3500 |
TechTown
Branch 519-772-3050 |
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