Please note: All information about Coast Capital Savings has been collected independently by Finder and products from Coast Capital Savings are not available through this site.
If you’re looking to earn points, lock in a low interest rate or tap into comprehensive benefits, then consider a Coast Capital Savings credit card. Find out more about the cards that this credit union has on offer below.
Coast Capital Savings credit cards
Coast Capital Savings offers three main types of cards: fee-free, low-interest and travel rewards. Coast Capital Savings is based in British Columbia.
No-fee Elegance GOLD Card
This card lets you earn bonus dollars on purchases, which you can then redeem for financial products, gift rewards, event tickets and travel packages and has no annual fee. Typically, for every $200 dollars spent, you’ll earn one bonus dollar This means that if you spend $1,000 on purchases per month, you’ll only end up with five bonus dollars. However, you can pay a small fee to qualify for a higher return or a low-interest rate.
This card also offers extended warranty coverage and purchase protection, along with 3-day travel insurance.
No annual fee. Earn bonus dollars with no annual fee.
Insurance options. Get purchase protection, warranty coverage and travel insurance when you shop with your card.
Flexible points. Redeem points for events, gifts or travel.
Low return. for every $200 dollars spent, you’ll earn one bonus dollar
No cashback. Bonus dollars can only be used to tap into Coast Capital Savings rewards.
BC-based. This credit union is based in British Columbia, so you won’t be able to access in-person customer service in other provinces.
Low-rate Modulo® GOLD Card
This card doesn’t offer a ton of benefits, but it comes with a low interest rate and you can earn bonus dollars back on your purchases. This is a competitive feature since most low-interest cards don’t offer any perks or rewards.
With a lower interest rate on purchases, you’ll end up paying less each month on your outstanding balance. The larger the amount you owe, the more you’ll save on interest. You’ll also pay a smaller annual fee than with most other Coast Capital Savings cards. If you’re looking to finance a large purchase or you have trouble paying off your balance in full every month, consider the Low-rate Modulo GOLD Card.
Low interest. You’ll pay a lower interest rate with this card than many other cards on the market.
Bonus dollars. Earn a bonus return on purchases to spend on merchandise, travel and more.
Travel insurance. This card offers 3-day complimentary travel insurance
No cashback. You can’t exchange bonus dollars for real cash.
Only in BC. You may have difficulty accessing customer service in other provinces.
Few benefits. It’s a fairly basic card, so you won’t be able to take advantage of many extras.
Travel Odyssey® GOLD Card
This card offers the same return on bonus dollars as other Coast Capital Savings cards, but it comes with added benefits including that You’ll get 60-day travel insurance when you travel worldwide You can also qualify for a lower interest rate if you pay an additional fee.
This may be a good option for customers who are planning to go on a short trip in the near future and don’t want to cover the cost of travel insurance. Just be forewarned: this card comes with a relatively high fee.
Bonus dollars. You’ll earn a bonus return on all purchases.
Extended travel insurance. You’ll get 60-day travel insurance when you travel worldwide
High fee. The fee for this card higher than other Coast Capital Savings cards.
Only in BC. You’ll only be able to visit this credit union in person if you live in BC.
Coast Capital Savings credit cards rewards program
Coast Capital Savings credit cards offer returns in the form of bonus dollars, which can be used to purchase financial products (like RRSPs), catalogue rewards, event tickets and travel packages.
How to redeem points
The way you’ll redeem your bonus dollars depends on which kind of rewards you want to cash in on. You can sign into your online banking to see how many points you’ve earned. To redeem points for merchandise, you need to register for an account at www.bonusdollars.ca. For travel, you’ll need to spend the money on your trip in advance, and then you can apply your bonus dollars to your statement to cover the cost.
Typical card benefits and features of a Coast Capital Savings credit card
Coast Capital Savings offers a number of credit cards options to suit every need. Each card offers its own range of unique features, but there are also common features across cards.
Insurance Coverage. Most cards have purchase protection and extended warranty coverage.
Overdraft protection. Access extra cash when you need it, but be prepared to pay interest and a small monthly fee for the privilege.
Tap and go payments. For purchases under $100, all you need to do is wave your VISA card in front of a secure reader.
Financing options. Take advantage of low interest rates, cash advances and preauthorized payments when you need them.
How to apply for a credit card with Coast Capital Savings
You can apply for a credit card with Coast Capital Savings through its website. Before you apply, make sure you meet the minimum eligibility requirements and prepare some basic information.
Eligibility criteria
You must be at least 18 years old (and 19 in some provinces).
Required documents
Full name and date of birth.
Street address and phone number.
Valid email address.
Total annual income.
How does Coast Capital Savings keep my credit card information safe?
Coast Capital Savings protects cards with special microchip technology. You can also register for the Verified by Visa program to password protect your card and reduce the risk of unauthorized transactions on your account.
Compare other credit cards
Bottom line
Coast Capital Savings offers a decent selection of no-fee, low-interest and travel cards with reasonable fees. Most cards offer a 1% return on bonus dollars, but you won’t be able to redeem points for cashback. Many cards come with some form of insurance. Compare cards on offer to find out which one might be the best fit for you.
Frequently asked questions
You can exchange your bonus dollars for gifts, merchandise, event tickets, financial products and travel discounts, among other things.
It depends on the card. Some cards are fee-free but offer limited rewards, while others come with a higher fee and additional benefits.
No. Your bonus dollars can only be redeemed for purchases that Coast Capital Savings allows. You can’t get “real cash” in exchange for points.
Claire Horwood is a writer at Finder, specializing in credit cards, loans and other financial products. She has a Bachelor of Arts in Gender Studies from the University of Victoria, and an Associate’s Degree in Science from Camosun College. Much of Claire’s coursework has focused on writing and statistics, with a healthy dose of social and cultural analysis mixed in for good measure. In her spare time, Claire enjoys rock climbing, travelling and drinking inordinate amounts of coffee.
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