Welcome to your CWB Mastercard^® experience

Applying for your new CWB personal Mastercard takes under 2 minutes to complete.  To get started, visit https://personalcreditcard.cwbank.com/signup and click on the apply button.

You'll be asked to fill out general information including your full name, email address, home address, employment information and to select which card you would like. We'll get back to you within a few days with your account and credit limit if you are approved.  

Activation of your new card takes under 1 minute to complete.

Once you receive your new card, visit https://personalcreditcard.cwbank.com/activate and enter the full 16 digit number on your card. Use the one-time passcode we've sent to your email address we have on file. Once you log-in, you'll be able to set the PIN for your new card digitally, and your card is activated!

You can now start using your card online and for in-store transactions.

Inside of your welcome package, you'll find:

- Your new credit card
- A welcome letter outlining how to activate your new card and other information on your card
- The Disclosure Statement that outlines the fees associated with your card as well as other information like minimum payments and grace periods
- Cardholder Agreement which governs the usage of your account

During activation, you have the ability to set your PIN digitally. If you forget your PIN or need to change it as a security measure, you can do so in real-time through the credit card portal or in the app.

To do this, go to the My Cards section under Account Settings and click on Change PIN. This will prompt you to insert your card number and will then allow you to change your PIN. Your new PIN will automatically be downloaded to your new card on your next transaction.

With CWB Rewards powered by Brim, you’re in control of how you earn points and where you redeem them. All purchases earn points at the same rate (1% for CWB Rewards Mastercard holders and 2% for CWB World Elite Mastercard holders), making your daily cup of coffee just as rewarding as your weekly groceries. Plus, you can redeem points on any purchase with a single swipe, or use points as cashback towards your balance at any time.

You can earn up to 30% back in additional points at over 230 retail partners like Apple, Indigo, Lululemon, Hello Fresh, and Avis. 

Earning rewards is easy with your new CWB Rewards Mastercard or World Elite Mastercard. You'll earn reward points on every purchase you make using your card.

With the CWB Rewards Mastercard^®, you'll earn 1% back in points on every purchase you make with no limitations.

With the CWB World Elite^® Mastercard^®, you'll earn 2% back in points on every single transaction¹.

 ¹ up to $25,000 in total annual spend starting January 1st. Above that amount you'll earn 1% back in points for transactions.

Both InCard and eShop are great ways to earn bonus points faster.

InCard offers are embedded directly in your card, meaning all you need to do is use your CWB credit card at these partners, either in store or online. Partners with InCard offers include Indigo, Sunwing, Avis, Budget, Contiki, Bloomberg, Hello Fresh and others.

eShop offers are online only offers that are embedded in your card. To access eShop offers, all you need to do is log-in to your CWB credit card portal or app and click on the partner/offer you want to take advantage of. You will be immediately redirected to their e-commerce website and you simply need to use your CWB credit card as the payment method at checkout. Partners with eShop offers include Apple, Lululemon, Nike, Patagonia and others.

Redeeming your points is easy. You can redeem your rewards in two ways; as pure cashback under the “Make a Payment” button on the Dashboard or you can redeem against specific transactions.

If you're redeeming as cashback, you can choose the total amount of your rewards or choose a custom amount to insert. The amount of your chosen points value will reduce your total balance due the following business day.

If you'd prefer to redeem against a specific transaction that has been processed like a new computer, clothing or even flights, your total balance due on your next statement will be reduced by the amount of that transaction you redeemed against. All you have to do is click the little blue bar next to the transaction and follow the steps that pop up.

1 point is valued at $0.01, for example: 10,000 points = $100 in value.

Yes, if you misplace your card and are worried about someone else using it, you can easily lock your card or any of the cards of your additional cardholders instantly. You can do this through your credit card portal.

Take control of your card security with the ability to customize your own security features on your card or on the cards of any of your additional cardholders. You can:

• Lock Online: lock online transactions when you know you will not be using your card for any e-commerce transactions, in order to protect yourself against fraudsters attempting to use your card information online
• Lock Foreign: lock foreign transactions when you know you will not be spending in a foreign currency.

Toggle these off and on as you continue to use your card – everything is in real-time so you can turn the block off, make an online or foreign transaction and then turn it back on again to better protect yourself

And, you'll also be notified if a transaction is declined as a result of one of the blocks being turned on, in case you are trying to make a transaction and forgot!

Within the SMS or email fraud alert, it will identify the transaction that we deemed high risk and include information such as the amount of the transaction, who was the merchant, and the date/time of the transaction. All you need to do is answer with a Y or a N, indicating whether you performed the transaction or whether it was fraud. If Y is answered, we will open up your card so you can use it unencumbered. If N is answered, we will immediately block your card for future transactions and reissue you a new credit card.

You can respond Y or N either through the SMS alert or the email alert or both. 

With family cards, you to add up to 5 additional cardholders to your account instantly. Each cardholder added will receive their own credit card and log-in information to view only their transactional activity.

As the Primary of the account, you will have access to view transactions made by all cardholders, lock their card or block specific transactions, and set monthly spending limits for each cardholder. It’s perfect for parents looking for more control and visibility over their children’s spending behaviour and those looking to promote more fiscal responsibility by giving their children their own spending account.  

The following options are accessible through your credit card portal, or through your preferred financial institution:

 CWBdirect^® Online Banking

• Go to Pay a Bill in online banking and search for “CWB Personal Mastercard - Brim” as your bill payee. Once you add CWB Mastercard as your payee contact, insert your credit card number under the account number section and type in the amount to be paid.
• Payments made through the Bill Payment system generally take 2-3 business days before it is reflected in your account.

All other major Canadian financial institutions

• Payments are accepted from all major Canadian financial institutions. Go to Pay a Bill in your bank or credit unions’ Online Banking platform and search for “Brim Financial” as your bill payee. Once you add CWB Mastercard as your payee contact, insert your credit card number under the account number section and type in the amount to be paid.

• Payments made through the Bill Payment system generally take 2-3 business days before it is reflected in your account.

Interac Online^®

• Payments made using Interac Online through the Portal are posted in real-time, giving you instant access to your available credit.
• If you have both an Interac and Visa Debit or Debit Mastercard^® log-in to your debit card, this service is not available through your financial institution and payments should be made using the Bill Payment system.

 If you believe your credit card has been used fraudulently or is lost or stolen, immediately go into your account and lock your card. This will protect your account from any fraudulent attempts.

We also provide a 24/7 call centre access to agents regarding fraud and lost or stolen credit cards.

Call into at 1-888-252-4201 in Canada & US (toll-free) or call collect at 647-252-4202 at anytime and press 4 when prompted by the voice recording. You will be immediately directed to an agent that can provide support in cancelling your lost or stolen card and reissue you a new plastic.