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Compare Coast Capital Savings credit cards

Earn perks and rewards when you shop in-person or online with your fee-free, low interest or personal rewards credit card.

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. Cards are suited to BC residents, as 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.

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.

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.

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

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
RBC ION Visa
3,500 points
1.5 points per $1 spent
20.99%
$0
Min. recommended credit score: 660
Get 3,500 Avion points when you get approved for the card.
Neo Credit Mastercard
Get $25.00 + up to 15% cash back
Average 5% cash back
19.99% - 29.99%
$0
Min. recommended credit score: 600
Get $25 when you sign up for the Neo Financial Mastercard. Plus, earn bonuses like 15% cashback on your first purchase at most partners, and earn an average of 5% cashback at thousands of partners and at least 0.5% cashback guaranteed.
Tangerine World Mastercard
10% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until April 30, 2024. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.
American Express Cobalt Card
15,000 points
Up to 5x points per $1 spent
20.99%
$155.88
Min. recommended credit score: 700
Earn up to 15,000 Membership Rewards points in your first year. Earn 1,250 Membership Rewards points for each monthly billing period in which you spend $750 in purchases. That’s up to $150 towards a weekend getaway or concert tickets.
BMO CashBack Mastercard
5% cash back
Up to 3% cash back
20.99%
$0
Min. recommended credit score: 660
Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,500). Plus, get a rate of 0.99% on balance transfers for 9 months. A 2% fee applies to transferred balances.
Tangerine Money-Back Credit Card
10% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until April 30, 2024. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.
RBC Cash Back Mastercard
N/A
Up to 2% cash back
20.99%
$0
Min. recommended credit score: 650
RBC ION+ Visa
7,000 points
3 points per $1 spent
20.99%
$48
Min. recommended credit score: 660
Get up to 7,000 welcome points. Get 3,500 points on approval and earn 3,500 bonus points when you spend $500 in your first 3 months.
BMO eclipse rise Visa Card
25,000
Up to 5 points per $2 spent
20.99%
$0
Min. recommended credit score: 660
Earn up to 25,000 bonus points.
BMO Preferred Rate Mastercard
0.99% rate on balance transfers for 9 months
N/A
13.99%
$0 annual fee for the first year ($29 thereafter)
Min. recommended credit score: 660
Get a rate of 0.99% on balance transfers for 9 months with a 2% transfer fee. Plus, get the $29 annual fee waived in the first year.
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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, and are best-suited to residents of BC. Compare cards on offer to find out which one might be the best fit for you.

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