Campaign Overview

Disclaimer: This campaign outline is provided for illustrative purposes only and is intended to offer a high-level overview of the upcoming campaign. It does not constitute a final or comprehensive representation of the campaign's terms, conditions, or deliverables. Full offer details and terms and conditions will be made available prior to campaign launch.

Offer Details 

The Q1 2027 Recurring Payments & Streaming Bonus Rewards Campaign will run from February 1 to March 31, 2027 and will feature a limited-time offer designed to reward existing personal cardholders for using their Collabria credit card for eligible recurring payments and digital streaming subscriptions.

This spend stimulation campaign provides participating credit unions and financial institutions with an opportunity to increase engagement of existing cardholders, drive ongoing spend volume, and reinforce the value of using your credit union credit card for everyday recurring expenses.

Cardholders will receive up to 50% Bonus Flex Rewards Points for every $1 spent on eligible Recurring Payments and Digital Streaming merchant category codes (MCCs), with no earning limit during the promotional period.

Campaign Period

February 1 to March 31, 2027

Earn Rates

Cardholders will receive their bonus points based on their spend within 2 statement cycles of the campaign end date.

Eligible Merchant Category Codes (MCCs)

The details of each category correspond to merchant code descriptions established by the card payment network. To receive 50% Bonus Reward Points, qualifying transactions must be made in the following eligible merchant category codes:

Target Audience

• Existing personal credit cardholders
• Active cardholders with recurring bill payments
• Digital streaming subscribers
• Entertainment-focused consumers
• Premium cardholders seeking accelerated rewards earning opportunities
• Cardholders with low-to-moderate monthly spend who may benefit from consolidating recurring payments onto their credit card

The Offer

• Cardholders will receive up to 50% Bonus Flex Rewards Points on every dollar spent with eligible Recurring Payment and Digital Streaming merchants.
• Bonus points are awarded in addition to the standard Flex Rewards earning already associated with the card.
• There is no maximum earning cap during the promotional period.
• Premium cardholders may realize even greater value through existing accelerated earn rates on eligible spending categories.
• Eligible purchases include qualifying recurring bill payments and subscriptions processed through approved Recurring Payment and Digital Streaming MCCs.

Examples of qualifying merchants may include video streaming services, music streaming services, subscription-based entertainment platforms, recurring digital services, membership subscriptions, and eligible recurring utility and telecommunications payments.

Why This Campaign Matters

Recurring payments and subscription services have become a routine part of everyday spending. However, many cardholders continue to make these payments through alternative payment methods and may be missing opportunities to maximize rewards earnings.

The campaign is designed to:

• Increase cardholder engagement.
• Drive recurring spend volume on personal credit cards.
• Encourage cardholders to consolidate recurring payments onto their Collabria credit card.
• Increase awareness of Flex Rewards earning opportunities.
• Showcase the enhanced value available to premium cardholders.
• Increase cardholder retention and long-term engagement.
• Encourage greater use of personal credit cards for everyday spending categories.
• Support upgrade consideration among cardholders interested in accelerated rewards earning opportunities.

Early Planning Considerations

As you begin planning for Q1, consider:

• Identifying cardholders who currently have low recurring payment activity.
• Identifying premium cardholders who may benefit from accelerated rewards opportunities.
• Reviewing opportunities to promote the campaign through existing cardholder communication channels.
• Developing messaging that highlights the simplicity of earning more points on purchases members already make every month.
• Encouraging cardholders to move streaming subscriptions and recurring bills onto their Collabria credit card.
• Preparing frontline and contact centre teams to discuss bonus rewards opportunities with existing cardholders.
• Incorporating campaign messaging into digital banking, email, website, and cardholder communication programs.
• Highlighting the no-limit earning opportunity available throughout the campaign period.
   

Timing 

This offer will be available from February 1 to March 31, 2027.

Eligibility 

The following cards are NOT eligible:

Participating Partners 

• To be announced

Campaign Assets

The following marketing assets will be available in English and French the week of January 4, 2027:

• Digital Assets: Social media banners and website banners
• Screen Graphics: In-branch screens and ATMs
• Social Media Copy: Social media captions to support digital asset collateral
• Email Components: Including email banner for self-directed email campaigns
• Frontline Support Sheet: Campaign overview, offer, target audience and speaking notes
• Microsites: 'Offer Details' section on partner microsites
• Cheat Sheet: General overview of all in-market offers

If you have questions or issues accessing the CBNCS platform, please reach out to marketing@collabriafinancial.com.

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