Valley First

No Fee Mastercard®

Valley First no longer offers this card. If you are an existing cardholder, you will receive communication from us about the exciting new suite of cards available on January 1, 2018.


Key Features & Benefits

  • Acceptance at over 32 million locations worldwide
  • Instant cash access at more than 1 million ATM locations
  • Emergency cards and cash with one phone call

Plus get these additional benefits:

  • Online account access at You have access to view your account 24/7.
  • Travel Benefits
  • World-wide global acceptance and world's largest ATM network. You have the convenience of using your credit card world wide.
  • 24-hour lost/stolen card assistance. You gain peace of mind that Mastercard will quickly replace your card and fund emergency cash.

View our details tab for more information on the extra benefits


Comprehensive Benefits & Perks

Travel Benefits

  • Accidental Death Insurance
    • $1,000 will be paid to your beneficiary if you sustain accidental bodily injury causing death
    • Common Carrier Travel Accident Insurance
    • Up to $500,000 coverage when you purchase your ticket with your Mastercard card
  • Baggage Delay
    • Up to $300 for expenses for emergency purchase of essential items when baggage is delayed or misdirected for more than 24 hours

Insurance benefits are underwritten by American Bankers Insurance Company of Florida and/or American Bankers Life Assurance Company of Florida, Assurant SolutionsTM companies. Details of your coverage, including terms, conditions, limitations and exclusions, are in the Certificate of Insurance provided with your card.


Annual Fee
Annual Fee
Additional card annual fee:     Free
Cash advance ATM (Canada):   $2.00
Cash advance ATM (outside Canada):   $3.50
Cash advance in Canada (over the counter):   $4.00
Cash advance outside Canada (over the counter):   $4.85
Balance transfer:   $7.50
Over credit limit per billing: $35.00
Dishonoured cheque: $20.00
NSF access cheque: $20.00
Statement reprint
(6 most recent months):
Statement reprint per hour
(Older than 6 months):
Disputed transactions: $10.00



If you like getting free stuff, our CHOICE REWARDS® program is for you and comes with almost any Mastercard® credit card you choose.

You'll earn points for your Mastercard purchases and you can redeem those points at any time for cash rewards, travel, branded merchandise and much more!

View CHOICE REWARDS® catalogue

CHOICE REWARDS is a registered trademark of FIA Card Services, National Association and is used pursuant to licence.


Key Features & Benefits

Credit card balance protection is a voluntary insurance you can get to help you make your minimum Valley First Mastercard payments if you are unable to work because of sickness, accident, layoff or involuntary dismissal. If you die, it will pay off your balance in full.

For further details, please contact your nearest Valley First branch.

CUETS Financial is a division of The Toronto-Dominion Bank. All trade-marks are the property of their respective owners. CUETS is a trade-mark of Canadian Credit Union Association, used under licence. ®CHOICE REWARDS is a trademark of The Toronto-Dominion Bank.