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Canada · personal card · Conexus Credit Union (Collabria Mastercard)

Conexus Classic Mastercard review

Low-rate Mastercard with a 13.99% fixed purchase rate and a basic insurance package; no points earned.

By · Card data read October 7, 2026 · How we rank Canadian cards

Apply on issuer siteTerms apply

Key facts

Issuer
Conexus Credit Union (Collabria Mastercard)
Network
Mastercard
Annual fee
$20 ($20 annual fee)
Purchase rate
13.99% fixed
Cash advance rate
13.99%
Foreign transaction fee
2.5%
Minimum personal income
Not stated
Minimum household income
Not stated
Available in Quebec
Not stated
Insurance
Purchase Protection (90 days); Extended Warranty; Mobile Device Insurance

Perks

Hertz, Thrifty and Dollar rental discounts; Zero Liability

How we put this page together

Every figure here was read on Conexus Credit Union (Collabria Mastercard)’s own page on October 7, 2026; fields the page did not state are shown as “not stated” rather than estimated. The net value estimate uses the method on our Canada methodology. Card rules and your rights as a cardholder: FCAC. Note: Conexus Mastercard cards are issued by Collabria Financial Services (details read on collabriacreditcards.ca affiliate_conexus pages linked from conexus.ca/personal/credit-cards and /business/credit-cards). Rates/fees read on the Collabria affiliate_conexus card page. FX fee read on issuer document: https://www.collabriacreditcards.ca/webres/File/Product/App%20Disclosures%20Nov%202%202020/Important%20Notice%20App%20Disclosure.pdf

Frequently asked questions

What is the annual fee on the Conexus Classic Mastercard?

$20 ($20 annual fee), as read on Conexus Credit Union (Collabria Mastercard)’s website on October 7, 2026.

Is there a foreign transaction fee on the Conexus Classic Mastercard?

The issuer states a 2.5% foreign currency conversion fee.

What income do I need for the Conexus Classic Mastercard?

The issuer’s page did not state a minimum income when we read it.

More Conexus Credit Union (Collabria Mastercard) cards

  1. #1

    Conexus Cash Back Mastercard Conexus Credit Union (Collabria Mastercard)

    Net $204/yr

    No-fee card earning 1 point per $1 (1%) on grocery, gas, sustainable transit, select recurring bills and digital streaming, and 0.5 points per $1 on all other purchases, redeemable as account credit.

    Earn: base 0.5% · groceries 1% · gas 1% · everyday 0.5%

    Annual fee
    $0 (No annual fee)
    Est. net value / yr
    $204
    Purchase rate
    20.99% fixed
    Foreign transaction fee
    2.5%
    Apply on issuer siteCard detailsRead October 7, 2026
  2. #2

    Conexus Cash Back World Elite Mastercard Conexus Credit Union (Collabria Mastercard)

    Net $468/yr

    Earns 4 points per $1 (4%) on grocery and sustainable transit, 2 on select recurring bills, digital streaming and dining, and 1 on other purchases, redeemable as cash back.

    Earn: base 1% · groceries 4% · dining 2% · everyday 1%

    Annual fee
    $120 ($120 annual fee; $50 additional card)
    Est. net value / yr
    $468
    Purchase rate
    20.99% fixed
    Foreign transaction fee
    2.5%
    Apply on issuer siteCard detailsRead October 7, 2026
  3. #3

    Conexus Centra Gold Mastercard Conexus Credit Union (Collabria Mastercard)

    Net $250/yr

    Low-rate rewards card earning 1 point per $1 on everyday purchases with a 12.99% fixed purchase rate.

    Earn: base 1 pts · everyday 1 pts

    Annual fee
    $50 ($50 annual fee; $10 additional card)
    Est. net value / yr
    $250
    Purchase rate
    12.99% fixed
    Foreign transaction fee
    2.5%
    Apply on issuer siteCard detailsRead October 7, 2026
  4. #4

    Conexus Low Rate Business Mastercard Conexus Credit Union (Collabria Mastercard)

    Low-rate business Mastercard with a 13.99% rate on purchases and cash advances and no points.

    Annual fee
    $25 ($25 annual fee; $5 additional card)
    Purchase rate
    13.99%
    Foreign transaction fee
    2.5%
    Apply on issuer siteCard detailsRead October 7, 2026

Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.