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Online Banking

FlexRate Mastercard

Earn more rewards more often.

FlexRate Mastercard
  • Annual Fee: $40
  • Additional Card: No Fee
  • Grace Period: 25 days
  • Interest Rate: 9.85%-18.35%
  • Credit Limit: $500 - $50,000*
Apply now

Pay less. Get more of what you want.

With our FlexRate Mastercard®, your credit line and interest rate are tailored uniquely for your financial situation, based on your credit profile. And you have more great reasons to use your card more often: purchase protection, extended warranty, mobile device insurance and the freedom to earn points for merchandise, travel, cash back and more with the FlexRewards® program. It costs nothing to add a supplemental card and get someone else contributing to your points.

Please note that you must be a BlueShore Financial client to apply for a BlueShore Financial Collabria Mastercard.



  • Credit line and interest rate tailored to your credit profile.
  • Earn 1 point for every $1 charged for retail purchases.
  • Points can be redeemed for premium merchandise, travel, gift cards or events from FlexRewards.
  • Redeem points for a 1% value (10,000 points = $100 cash).
  • Amount of FlexRewards® you may accumulate is unlimited each calendar year.

Purchase Protection and Extended Warranty

  • 90-day purchase protection:
    • Protection against loss, theft and damage for most items purchased with your Mastercard.
    • Items will be replaced or repaired, or you will be reimbursed the purchase price.
    • Some limitations apply.
  • Extended warranty:
    • The manufacturer's warranty is automatically extended by up to one additional year for most items purchased with your Mastercard.
    • Warranty must be valid in Canada. Other limitations apply; see the certificate of insurance when you receive your card.

Mobile Device Insurance

  • Two year protection:
    • Coverage against loss, theft, mechanical breakdown or accidental damage.
    • Reimbursement for the lesser of its repair or its replacement cost.
    • Some limitations apply.

Core Features

  • World-wide global acceptance serving consumers in 210 countries and territories**
  • 24-hour lost/stolen card assistance
  • World's largest ATM network
  • Emergency cards and cash advances
  • Zero liability fraud protection

Account questions, lost or stolen credit card?

Click here or call Mastercard cardholder support at 1.855.341.4643 or call collect 647.252.9564 (outside Canada and U.S.).

* Cardholder limits based on individual qualification and subject to credit approval.

** BlueShore Financial Mastercard® credit cards are not accepted in the following countries: Iran, Myanmar (Burma), North Korea and Sudan.

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