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

FlexRate Mastercard®

This credit card is for you if:

  • you want an interest rate that reflects your
    good credit rating.
  • you follow economic trends and want to take advantage of a low prime rate.
  • you want a card with a low annual fee and rewards.


9.90%-18.90%Variable Rate


Card Details

  • $40 annual fee
  • $0 additional card fee
  • Variable interest rate: 9.90% - 18.90%*
  • No balance transfer fee
  • Interest rate is based on your credit rating PLUS the Prime Rate and will change with the Prime Rate
  • Earn 1 point for every $1 spent
  • Mobile device insurance
  • Purchase protection & extended warranty
  • Secure 24/7 online account access with MyCardInfo

Purchase Protection & Extended Warranty

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
  • Mobile Device Insurance up to $1,000 - cover the cost of your mobile device if purchased with your card or if you use your card to cover monthly phone bills
View full terms & conditions of Mobile Device, Purchase Protection & Extended Warranty Insurance


Annual Fee
Additional Card Fee
Variable Interest Rate
Purchases & Fees 9.90%-18.90%*
Cash Advances 9.90%-18.90%*



With your FlexRate Mastercard, you earn points just for using your card and you choose how to use your reward points. You can reward yourself with travel rewards, cash back, gift cards from top retailers or over 1,000 merchandise options.

  • Earn 1 point for every $1 spent on everyday purchases

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

See Terms & Conditions for complete details.

*Annual interest rate is calculated at the time of the credit check.


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


Applying for a FlexRate 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.