If you’re looking to earn points, lock in a low interest rate or tap into comprehensive benefits, then consider a Coast Capital Savings credit card. Coast Capital Savings is based in British Columbia. Find out more about the cards that this credit union has on offer below.
Coast Capital Savings offers six credit cards including travel rewards, no annual fee, low purchase rate and US dollar credit cards.
This card lets you earn rewards and has no annual fee. Get a $50 statement credit for new members. Earn 1 point for every $1 spent on grocery, gas, sustainable transit, select recurring bills and digital streaming purchases (up to a $5,000 cap), and 0.5 points on everything else.
This card also offers extended warranty coverage and purchase protection, along with mobile device insurance.
This premium credit card offers enhanced rewards and access to premium travel services. Get 5,000 Welcome Points. Plus, Get a $100 statement credit for new members. Earn 3 points for every $1 spent on groceries (up to a $20,000 cap), 2 points for every $1 spent on dining & entertainment ($15,000 cap), and 1 point for every $1 spent on everything else.
A step-up from the World Mastercard, you’ll get all the benefits plus more with the World Elite. Enjoy maximum rewards and travel insurance with the same annual fee of $120. Earn 4 points for every $1 spent on grocery and sustainable transit ($20,000 cap), 2 points for every $1 spent on select recurring bills, digital streaming, and dining ($20,000 cap), and 1 point for every $1 spent on everything else.
If you tend to hold a balance on your credit card each month and you’re looking to pay off that interest once and for all, a low purchase rate credit card could help you achieve this goal. The Coast Capital Centra Gold Mastercard offers a low purchase and cash advance rate of 12.99%. It comes with a low annual fee of $50.
If you’re not keen on paying the $50 annual fee that the Centra Mastercard charges, you can turn to the Classic Mastercard. This card offers only slightly higher interest rates (13.99% for purchases and cash advances), but charges no annual fee. One thing to keep in mind with this card is that you won’t earn rewards points either though.
If you travel to the States often and tend to spend in USD, a US Dollar card can come in handy and help you save on currency conversion fees. With a low annual fee of $50, you can earn rewards points and spend in US dollars.
Coast Capital Savings credit cards offer returns in the form of bonus dollars, which can be used to purchase financial products (like RRSPs), catalogue rewards, event tickets and travel packages.
The way you’ll redeem your bonus dollars depends on which kind of rewards you want to cash in on. You can sign into your online banking to see how many points you’ve earned. To redeem points for merchandise, you need to register for an account at www.bonusdollars.ca. For travel, you’ll need to spend the money on your trip in advance, and then you can apply your bonus dollars to your statement to cover the cost.
Coast Capital Savings offers a number of credit cards options to suit every need. Each card offers its own range of unique features, but there are also common features across cards.
You can apply for a credit card with Coast Capital Savings through its website. Before you apply, make sure you meet the minimum eligibility requirements and prepare some basic information.
Coast Capital Savings protects cards with special microchip technology. You can also register for the Verified by Visa program to password protect your card and reduce the risk of unauthorized transactions on your account.
Coast Capital Savings offers a decent selection of no-fee, low-interest and travel cards with reasonable fees. Most cards offer a 1% return on bonus dollars, but you won’t be able to redeem points for cashback. Many cards come with some form of insurance. Compare cards on offer to find out which one might be the best fit for you.
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