Card Services

• Requires a PIN (Personal Identification Number) for you to gain access to your accounts, thus providing you with greater security should your card become lost or stolen
• Complete a number of transactions at any Saskatchewan credit union ATM
• Withdraw cash at any cash machine around the world displaying the INTERAC logo or CIRRUS logo
• Pay for purchases from your account without using cash, at any retail location world-wide displaying the INTERAC Direct Payment symbol

Global Payment Card

The GLOBAL PAYMENT MasterCard works like a cheque without the hassle of writing a cheque since you don’t need to present any ID or wait to get it approved. It requires a signature when using for purchases or cash advances (with the exception of Internet, telephone or mail order purchases). Purchases and ATM cash withdrawals are automatically deducted from your account. If you decide to attach a line of credit, the interest rates are lower than credit card rates, making it a great alternative to a credit card, plus there are no annual fees. Features:

• CHOICE REWARDS Program (optional)
• 90-day Purchase Protection - coverage against loss, theft or damage on most items purchased with your MasterCard for a full 90 days from the date of purchase
• Extended Warranty - doubles the original manufacturer’s warranty up to one extra year on most items purchased with your MasterCard
• $1000 Accidental Death Insurance
• Common Carrier Travel Accident Insurance - up to $100,000 coverage when a portion or all of your ticket is purchased with your MasterCard
• Baggage Delay-Up to $300 for expenses for emergency purchase of essential items when baggage is delayed or misdirected for over 24 hours
• MasterCard Core Features

Gold Global Payment Card

Our Gold GLOBAL PAYMENT MasterCard offers all the features and benefits of the GLOBAL PAYMENT MasterCard, PLUS MORE. It’s designed for those who do a lot of traveling out of province/country as it includes many of the extra insurances you’d have to otherwise purchase separately. Features:

• Out-of-province/Country Travel Health Plan (up to age 70)
• Includes up to $1,000,000 maximum per covered person up to 31 days (top-up insurance is available for trips 32 to 180 days)
• 24-hour Travel Assistance to confirm coverage and payment and assist in making the necessary medical arrangements or contacting family
• Trip Cancellation Insurance (up to age 70) up to $3000 per account per trip
• $1000 Accidental Death Insurance - paid to your beneficiary
• MasterTrip
• MasterPurchase
• MasterRental
• MasterLegal
• MasterCard Core Features

Spectra Credit Union offers a wide range of credit card products with unique features that fit your individual needs. Credit cards offer the convenience of “buy now, pay later”. A monthly statement is issued with no interest to pay if the balance is paid in full within the grace period, or you can spread your payments out according to your needs.

No Fee Loyalty MasterCard

If you want the convenience and security of a MasterCard but are not interested in a value-added card and don’t want to pay an annual fee, this card is perfect for you. Features:

• CHOICE REWARDS ® program - points automatically accumulate, but at half the rate of our other MASTERCARD credit cards. (1 point for every $2.00 spent)
• $100,000 Common Carrier Travel Accident Insurance
• 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. Premium is $0.90 for every $100 of outstanding balance (no premium for a $0 balance).
• MasterCard Core Features

Low Fee MasterCard

Annual Fee: $12
Additional Card: No Fee
Grace Period: 21 days
Interest Rate: 19.49%
Interest Rate for
Accounts in Default: 21.49%
Credit Limit: $1,000 - $50,000    

If you want the convenience and security of a MasterCard plus some value-added features at a great price, this card would work well for you. Features:

• CHOICE REWARDS ® program (optional)
• 90-day Purchase Protection - coverage against loss, theft or damage on most items purchased with your MasterCard for a full 90 days from the date of purchase
• Extended Warranty - doubles the original manufacturer’s warranty up to one extra year on most items purchased with your MasterCard
• Trip Cancellation Insurance - if you need to cancel your trip due to illness, serious injuries or death (of yourself, a family member or a traveling companion), tickets will be refunded up to $1,000 per account per trip (must have paid at least 75% of the down payment for the trip with your card)
• Credit Card Registry - register all your credit cards at one location. If lost or stolen, one call cancels them all if need be.
• $100,000 Common Carrier Travel Accident Insurance
• 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. Premium is $0.90 for every $100 of outstanding balance (no premium for a $0 balance).
• MasterCard Core Features

Low Fee Gold MasterCard

Annual Fee: $35
Additional Card: $12
Grace Period: 21 days
Interest Rate: 19.49%
Interest Rate for
Accounts in Default: 21.49%
Credit Limit: $2,500 - $50,000  

If you do a lot of traveling and want the convenience and security of a MasterCard plus some value-added features, this card is the one for you. Features:

• CHOICE REWARDS ® program (optional)
• Trip Cancellation Insurance - if you need to cancel your trip due to illness, serious injuries or death (of yourself, a family member or a traveling companion), tickets will be refunded up to $1,000 per account per trip (must have paid at least 75% of the down payment for the trip with your card)
• $1000 Accidental Death Insurance (paid to your beneficiary)
• 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. Premium is $0.90 for every $100 of outstanding balance (no premium for a $0 balance).
• MasterCard Core Features
• MasterTrip
• MasterPurchase
• MasterRental
• MasterLegal

Gold MasterCard

Annual Fee: $96
Additional Card: $36
Grace Period: 21 days
Interest Rate: 19.49%
Interest Rate for
Accounts in Default: 21.49%
Credit Limit: $5,000 - $50,000

If you do a lot of traveling and want the convenience and security of a MasterCard with a higher credit limit, plus some outstanding value-added features including an extensive travel package, this card is the one for you. Features:

• CHOICE REWARDS program (optional)
• Out-of-Province / Country Travel Health Plan (up to age 70)
• 31-day coverage up to $1,000,000 per covered person 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/family hospital visits and return of deceased
• Top-up insurance is available for up to 180 days
• 24-hour Travel Assistance in case of a medical emergency to confirm coverage and payment and to assist in contacting your family or business
• Trip Cancellation Insurance (up to age 70) - if you need to cancel your trip due to illness, serious injuries or death (of yourself, a family member or a traveling companion), tickets will be refunded up to $3,000 per account per trip
• $1000 Accidental Death Insurance (paid to your beneficiary)
• 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. Premium is $0.90 for every $100 of outstanding balance (no premium for a $0 balance).
• MasterCard Core Features
• MasterTrip
• MasterPurchase
• MasterRental
• MasterLegal

Platinum Class MasterCard

Annual Fee: $150
Additional Card: $40
Grace Period: 21 days
Interest Rate: 19.49%
Interest Rate for
Accounts in Default: 21.49%
Credit Limit: $7,500 - $50,000

This prestigious “best in class” card will give you the convenience and security of a MasterCard with a high credit limit, plus some outstanding value-added features including a superior travel package and a PLATINUM CLASS Travel Rewards Program, which offers twice the redemption value of our CHOICE REWARDS program.

Features:

Platinum Class Travel Rewards

• Earn points with every retail purchase or balance transfer and redeem your points through the exclusive Platinum Class travel agency for a 1% value
• If you don’t have enough points for an entire trip, you can charge the remainder to your card and earn even more points
• No restrictions on travel (any seat, carrier, travel time or destination, even during seat sales and blackout periods)
• Out-of-Province / Country Travel Health Plan (up to age 70)
• 31-day coverage up to $1,000,000 per covered person 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/family hospital visits and return of deceased
• Top-up insurance is available for up to 180 days
• 24-hour Travel Assistance in case of a medical emergency to confirm coverage and payment and to assist in contacting your family or business
• Trip Cancellation Insurance (up to age 70) - if you need to cancel your trip due to illness, serious injuries or death (of yourself, a family member or a traveling companion), tickets will be refunded up to $3,000 per account per trip
• $1000 Accidental Death Insurance (paid to your beneficiary)
• 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. Premium is $0.90 for every $100 of outstanding balance (no premium for a $0 balance).
• Up to $500,000 Common Carrier Travel Accident Insurance when a portion or all of your ticket is purchased with your MasterCard
• Unexpected Return Home Benefits up to $2000
• Accidental Death Insurance ($1000)
• Emergency cash transfer
• Lost document and ticket replacement
• Lost luggage assistance
• Baggage Delay
• Pre-trip information
• MasterCard Core Features
• MasterPurchase
• MasterRental
• MasterLegal

Student MasterCard

Annual Fee: No Fee
Additional Card: No Fee
Grace Period: 21 days
Interest Rate: 19.49%
Interest Rate for
Accounts in Default: 21.49%
Credit Limit: $500 - $1,000

This unique no-fee card is designed for students attending post-secondary education. It’s a perfect starter card that not only offers convenience and security, but also allows you to build a credit history, making it easier for you to rent an apartment, secure other forms of credit, or qualify for a loan. Features:

• For students aged 18 to 25
• Credit limit up to $1000
• CHOICE REWARDS ® program (optional)
• 90-day Purchase Protection - coverage against loss, theft or damage on most items purchased with your MasterCard for a full 90 days from the date of purchase
• Extended Warranty - doubles the original manufacturer’s warranty up to one extra year on most items purchased with your MasterCard
• $100,000 Common Carrier Travel Accident Insurance
• 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. Premium is $0.90 for every $100 of outstanding balance (no premium for a $0 balance).
• MasterCard Core Features

Business Card MasterCard

Annual Fee: $60
Additional Card: $25
Grace Period: 21 days
Interest Rate: 19.49%
Interest Rate for
Accounts in Default: 21.49%
Credit Limit: variable

• Any number of names may appear on the account
• Individual credit limits can be set for each card on the account
• Each cardholder receives a statement, as well as the account administrator
• $100,000 Common Carrier Travel Accident Insurance
• MasterCard Core Features

Core Features:

• Global Acceptance - MasterCard is accepted at over 17 million locations worldwide
• ABM access at over 420,000 locations
• 24-hour lost/stolen card assistance
• Emergency cards and emergency cash
• Master RoadAssist 24-hour roadside assistance in Canada or the US at pre-set reasonable rates by calling a toll-free number and charged to your MasterCard account

MasterTrip:

• Up to $500,000 Common Carrier Travel Accident Insurance when a portion or all of your ticket is purchased with your MasterCard
• Unexpected Return Home Benefits - up to $2,000
• Accidental Death Insurance ($1,000)
• Emergency cash transfer
• Lost document and ticket replacesment
• Pre-trip information
• Baggage delay

MasterPurchase

• 90 Day Purchase Protection - coverage against loss, theft or damage on most items purchased with your MasterCard for a full 90 days from the date of purchase
• Extended Warranty - doubles the original manufacturer's warranty up to one extra year on most items purchased with your MasterCard 

MasterRental:

When you rent a car with your MasterCard, you’re protected with:

• Collision Damage Waiver Benefit equivalent to that of rental company’s, provided you decline the company’s optional Collision Damage Waiver
• Car Rental Accidental Death and Dismemberment Benefits up to $300,000 per accident
• Personal Effects Benefits if rental car is damaged or stolen, personal effects in the car are covered up to $1000 per insured person and $2000 per rental period

MasterLegal:

• A referral service that assists cardholders if they encounter legal difficulties in another country in locating a legal advisor and in paying legal fees up to $5000 (charged to your MasterCard account, subject to available credit)

For your convenience, you can inquire to your MasterCard balance on line.

Our Choice Rewards Program lets you earn points as you spend. Use your CU Credit MasterCard or Global Payment Card and collect reward points for your purchases. Redeem your Choice Reward points for a variety of rewards:

• Free Travel

Reserve a room, rent a car, take a cruise, or book a flight. No restrictions, no blackout periods. You can even use your points for seat sales!

• Free Merchandise

Brand Name merchandise from the Choice Rewards catalogue. Choose from electronics, kitchen appliance, leisure items, toys and much more

• Bonus Points

Sign up at any branch of Spectra Credit Union and get 1000 bonus points!