Valley First

Not sure which
card to pick?

See how our credit cards stack against each other and pick the one that's right for you.




Collabria Mastercard

24/7 Cardholder Service
Canada and U.S.: 1-855-341-4643
International Collect: 1-647-252-9564

Lost Or Stolen Cards
Canada and U.S.: 1-855-341-4643
International Collect: 1-647-252-9564

Centra Gold Mastercard®

This credit card is for you if:

  • you’re looking for the lowest interest rate available.
  • you don't always pay off your balance in full.
  • you want a low fee, some rewards and basic travel insurance coverage.


1 pt Per $1

9.90%Interest Rate


Card Details

  • $50 annual fee
  • $10 additional card fee
  • Interest rate: 9.90%
  • No balance transfer fee
  • Earn 1 point for every $1 spent
  • Auto rental collision / loss insurance
  • Accident protection
  • Purchase protection & extended warranty
  • Secure 24/7 online account access with MyCardInfo

Purchase Protection & Travel Benefits

Along with cash back on your purchases, you'll also enjoy extra-value benefits to help protect most items purchased with your card.

  • 90 days purchase protection on purchases made with your card
  • Double the manufacturer's warranty (up to one year) on purchases made with your card
  • Accident protection while travelling by common carrier
  • Auto rental collision/loss insurance for vehicles rented up to 48 consecutive days

View complete details of Travel Insurance coverage.
View full terms & conditions of Auto Rental Collision/Loss Damage Insurance


Annual Fee
Additional Card Fee
Interest Rate
Purchases & Fees 9.90%
Cash Advances 9.90%



With your Centra Gold Mastercard, you earn points just for using your card and all those points can be turned into travel rewards. You can also reward yourself with cash back, gift cards from top retailers or over 1,000 merchandise options.

  • Earn 1 point for every $1 spent

Explore the MySelect Rewards Catalog to see how you can spend your points.

See Terms & Conditions for complete details.

Ready to apply? Getting a Centra Gold Mastercard® with us is easy!


Applying for a Centra Gold Mastercard® online just takes a few minutes.

In Person

If you'd rather visit us in person, we'd be happy to go through the application process with you.

By Phone

If you have questions about this credit card or any of our other products, here is a complete list of our branch phone numbers.


The Valley First Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.