Earn rewards automatically just for using your CWB card at any of our 230 retail partners—online or in-store.
Exclusive offers, no opt-in required.
|Features||CWB Rewards Mastercard||CWB World Elite Mastercard|
|Annual fee||$0/year||$120/year (Special offer: first year fee waived)|
|Additional cardholder||$0/year2||$50 each/year2|
|Rewards ratio||1 point for every $1 spent||2 points for every $1 spent1|
|Insurance coverage||5 types of insurance coverage||15 types of insurance coverage|
|Mastercard Travel Pass
|Free Global Wi-Fi access||-||Yes|
|Income requirements||n/a||$80,000 annual income or $150,000 household income. Expects to spend $25,000 on the card annually.|
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, 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.
Get up to 30% in points when using your card to shop at over 230 retail partners.
Earn extra rewards points 3 ways:
Frequently Asked QuestionsApplying for a CWB personal Mastercard Activating your CWB personal Mastercard Earning and redeeming CWB Rewards Account security Additional cardholders Payments Client care and support
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.If you believe your card is permanently lost or stolen, please lock your card immediately and call into our Contact Centre at 1-888-252-4201 in Canada & US (toll-free) or call collect at 647-252-4202 to report it lost/stolen. Our agents will assist you in cancelling your existing card and a reissuance of a new replacement card
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:
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
All other major Canadian financial institutions
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.
1Up to $25,000 annual spend then 1 point per $1 spent thereafter.
2Maximum of 5 additional cardholders. Primary cardholder remains liable for charges made to the account by the additional cardholder.
CWB Rewards Mastercard® and CWB World Elite® Mastercard® are issued by Brim Financial Inc. Mastercard and World Elite Mastercard are registered trademarks and the circles design is a trademark of Mastercard International, used under license.
The CWB Rewards Mastercard® and CWB World Elite® Mastercard® are not available to residents of Quebec, Yukon, Nunavut or Northwest Territories.
®Boingo is a registered trademark of Boingo Wireless, Inc.
®Brim is a registered trademark of Brim Financial.
All other trademarks in this document are registered trademarks of Canadian Western Bank.
All insurance coverage(s) included with CWB credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). 18 York Street, Suite 800, Toronto Ontario M5J 2T8, pursuant to a Master Policy issued to CWB. Different cards will have different coverage(s). To learn about which coverage(s) are included with a specific card and important information regarding coverage edibility requirements, benefits, limitations and exclusions, go to brimfinancial.com/legal or review the Certificates of Insurance in your card package. Some insurance coverages may require that purchases, vehicle rentals, common carrier fares, hotel/motel or other trip costs be charged to the card to activate coverage. Other conditions may also apply, so please read the Certificates of Insurance carefully.