Important Dates

Campaign Overview

Offer Details 

Make health and wellness extra rewarding for cardholders. 

This targeted Merchant Category Code (MCC) campaign aims to increase existing cardholder engagement and drive consistent spend volume by encouraging the use of personal credit cards for physical, mental, and emotional well-being. Additionally, it seeks to boost cardholder retention and upgrade interest by offering bonus reward points, on top of Flex Rewards points earn on the same categories for personal cardholders. 

Between January 15, 2026, and February 28, 2026, all existing and new consumer rewards-based cardholders who spend on Health and Wellness categories will receive up to 25% more Flex Reward points for every dollar spent, up to 10,000 points cap (value of $100). 

Timing 

This offer will be available from January 15, 2026, and February 28, 2026.

Eligibility & Rewards Breakdown 

Eligible Merchant Category Codes (MCCs): 

MCC Code	Service	Merchant Category
7997	Membership Clubs – Sports, Recreation, Athletics, Country Clubs and Private Golf Courses	Amusement and Entertainment
7298	Health and Beauty Spas	Service Providers
7297	Massage Parlours	Service Providers
8099	Medical Services and Health Practitioners – Not Elsewhere Classified	Professional Services and Membership Organizations
5941	Sporting Goods Stores	Miscellaneous Stores

Eligible Cards and Earn Overview*:

Eligible Cards		Base Earn points**	Incremental Points for eligible MCCs during the campaign period	Campaign Rewards on identified MCCs Breakdown for Campaign
Personal	Cash Back	0.5 points/$1 spend	0.13 points/$1 spend	0.63 points/$1 spend
	Centra Gold	1 points/$1 spend	0.25 points/$1 spend	1.25 points/$1 spend
	World Mastercard Visa Infinite	1 points/$1 spend	0.25 points/$1 spend	1.25 points/$1 spend
	Cash Back World Elite Mastercard Cash Back Visa Infinite	1 points/$1 spend	0.25 points/$1 spend	1.25 points/$1 spend

*Note: Select products have a different rewards earn rate for specific MCCs, as outlined in the Rewards Program Rules – these earn rates still apply during the campaign period, but were not utilized in the calculation of the bonus 25% earn in the above table, which uses the product’s base earn for net purchases that would not be eligible for those specific earn rates.

** Select products have a different rewards earn rate for specific MCCs, as outlined in the Rewards Program Rules – these earn rates still apply during the campaign period, but were not utilized in the calculation of the bonus 50% earn in the above table, which uses the product’s base earn for net purchases that would not be eligible for those specific earn rates.

NOTE - All other cards not listed above do not qualify for this offer. 

Payouts 

Cardholders will receive their bonus points based on their spend within 2 statement cycles of the campaign end date (February 28, 2026).

Participating Partners 

• All credit unions in the National Program 
• Innovation Federal Credit Union, 
• First Nations Bank of Canada (FNBC), 
• Coast Capital, and 
• Conexus 

Email Communications to Existing Cardholders

To amplify partner-led efforts to support this campaign, Collabria will also be activating email campaign communications to existing eligible cardholders during the offer period. Emails will begin January 15, 2026. Samples are available in the 'Upcoming Cardholder Communications' section of the Marketing Corner.

Campaign Assets The following marketing assets will be provided on CBNCS Digital Storefront in English and French from Dec 01, 2025: Digital Assets: Digital banners Screen Graphics: In-branch screens and ATMs Frontline Support Sheet: To distribute to branch-facing credit union employees to support in member-led conversations  Social Media: Provide social media captions to support digital asset collateral  Offer copies (Partner-branded microsite and partner-owned website): Campaign copy for partners’ websites.  Microsites: 'Offer Details' section on partner microsites from January 15, 2026: English: collabriacreditcards.ca/offers/health2026.aspx French: collabriacreditcards.ca/fr/offres/health2026.aspx

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