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Access Credit Union
Access Credit Union · Mastercard · Gold

Centra Gold Mastercard

Strong cash back RewardsCash Back
3.1
★★★☆☆

Solid value

CardPick score · from real fees, rewards & perks
You'll finish your application securely on Access Credit Union's own website.
Welcome value
est. first-year value
Annual fee
$50
per year
Purchase interest
12.99%
on carried balances
Rewards type
points
Flex Rewards Program
🛒
1% value on groceries
Your top earn category
🛡️
3 insurance coverages
Built-in protection

Rewards

Base earn rate1 point for every $1 spent on everyday purchases
ProgramFlex Rewards Program
Welcome bonusNone
Rewards typepoints

Fees & rates

Annual fee$50
Additional card$10
Purchase interest rate12.99%
Cash advance rate12.99%
Foreign transaction fee2.5% (typical)

Standout perks

Hertz Auto Rental Discounts - Up to 15% off the Base Rate, Fee-waived Underage Driver fee, Reduced Rate Loss Damage Waiver (LDW) $19.95/day with a reduced rate deductible of $250, No Additional Driver fee, Free Enrollment in the Hertz Gold Plus Rewards Program
up to 15% off
Thrifty and Dollar - Up to 10% off the rental rate, No young drivers surcharge, No fee for additional drivers
up to 10% off

Everyday features

📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security

Insurance coverage

🛡️

purchase protection

Included — see issuer for details.

🛡️

extended warranty

up to one year

🛡️

mobile device

Included — see issuer for details.

Eligibility

Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident