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    Debit, Credit and Global Payment Cards

    Libro offers the debit and credit cards you need along with the latest in card security protection.

    Debit Cards

    Access your money wherever debit cards are accepted, at every Libro branch and branded ATM and at over 4,000 surcharge-free ATMs across Canada. LibroCards are on the Interac® network in Canada and the Cirrus network worldwide.

    Round up your debit card purchases and save money the easy way with Save for Change®

    Interac Flash®

    Interac Flash® is Canada’s first contactless debit solution. It allows you to pay for everyday purchases quickly, securely and conveniently by simply holding your Interac Flash®-enabled debit card in front of the reader at checkout. You can use it at merchants across Canada – wherever you see the Interac Flash® logo.

    Learn more about Interac Flash® for Consumers

    Credit Cards

    CHOICE REWARDS® MasterCard®

    Libro CHOICE REWARDS® MasterCard® credit cards give you all the benefits you get from other cards but we add something extra - the CHOICE REWARDS® program. Every time you use your CHOICE REWARDS MasterCard®, you collect points that are redeemable for Travel, Merchandise and now there's a new Cash Rewards option. You also have the opportunity to redeem your points for charity or Libro products. Click on the products below to learn more or download the comparison grid here ›

    • No Fee

      image of Master Card

      No Fee CHOICE REWARDS® MasterCard® Credit Card

      The card with no annual fee that enables you to earn CHOICE REWARDS® points

      Annual Fee: $0 - Interest Rate: 19.99%

      • 3.99% promotional AIR on balance transfers? for 10 months
      • No annual fee
      • Earn 1 point for every $2 spent on eligible purchases
      • MasterTrip® including common carrier insurance and baggage delay protection**
      • No charge for additional cards for authorized users
      Apply now
    • Low Fee

      image of Master Card

      Low Fee CHOICE REWARDS® MasterCard® Credit Card

      Our low fee credit card that also earns CHOICE REWARDS® points

      Annual Fee: $24 - Interest Rate: 19.49%

      • 3.99% promotional AIR† on balance transfers? for 10 months
      • 1000 welcome bonus points††
      • Earn 1 point for every $1 spent on eligible purchases
      • Exceptional card benefits** such as MasterTrip® and MasterPurchase®
      • Low annual fee
      Apply now
    • Student

      image of Master Card

      Student CHOICE REWARDS® MasterCard® Credit Card

      The card that allows you to build your credit history while earning CHOICE REWARDS® points

      Annual Fee: $24 - Interest Rate: 19.49%

      • 3.99% promotional AIR on balance transfers? for 10 months
      • 1000 welcome bonus points††
      • Earn 1 point for every $1 spent on eligible purchases
      • Great benefits** such as MasterPurchase® which doubles manufacturer’s warranty up to 2 years on purchases and MasterTrip® insurance
      Apply now
    • Gold

      image of Master Card

      Gold CHOICE REWARDS® MasterCard® Credit Card

      The card that lets you and your family travel with peace of mind

      Annual Fee: $120 - Interest Rate: 19.49%

      • 5000 welcome bonus points††
      • Earn 1 point for every $1 spent on eligible purchases
      • 3.99% promotional AIR† on balance transfers? for 10 months
      • Exceptional card benefits** Including travel medical insurance, MasterTrip®, MasterRental® and MasterPurchase®
      Apply now
    • Low Fee Gold

      image of Master Card

      Low Fee Gold CHOICE REWARDS® MasterCard® Credit Card

      The card with the travel benefits you need

      Annual Fee: $59 - Interest Rate: 19.49%

      • 3000 welcome bonus points††
      • 3.99% promotional AIR† on balance transfers? for 10 months
      • Earn 1 point for every $1 spent on eligible purchases
      • Exceptional card benefits** such as MasterTrip®, MasterRental® and MasterPurchase®
      • Includes trip cancellation insurance**
      Apply now
    • World Elite

      image of Master Card

      World Elite® CHOICE REWARDS® MasterCard® Credit Card

      The Elite travel card with Elite value

      Annual Fee: $150 - Interest Rate: 19.49%

      • 5000 welcome bonus points††
      • Earn rewards faster, receive 2 points per every $1 spent on eligible purchases
      • 3.99% promotional AIR† on balance transfers?for 10 months
      • Elite level of benefits** including MasterTrip®, MasterRental®, MasterPurchase®, price protection, concierge service and travel medical insurance
      • Additional card: $40
      Apply now

    MasterCard®

    Libro also offers credit cards without the CHOICE REWARDS® program for Owners looking for something a little more specialized.

    Interested in a lower annual interest rate? A credit card for your business expenses? A card that lets you take your chequing account with you wherever you go? We have credit cards that might work for you.

    • Low Rate

      image of Master Card

      Low Rate MasterCard® Credit Card

      Enjoy a lower interest rate with a low rate credit card

      Annual Fee: $30 - Interest Rate: 11.99%

      • Low annual interest rate
      • Low annual fee
      • MasterTrip® insurance**
      • Choice Rewards is not included with the Low Rate MasterCard®
      Apply now
    • Business

      image of Master Card

      Business MasterCard® Credit Card

      A better way to do business

      Annual Fee: $0 or $75
      Interest Rate: 16.99%

      • 3.99% promotional AIR on balance transfers? for 6 months
      • $1,000,000 Common Carrier Travel Accident coverage**
      • Car Rental Collision Damage Waiver coverage**
      • Cash Back Option: Cash back is earned on all eligible purchases made within a billing cycle. Annual fee $75
      • No Cash Back Option: Annual fee $0
      • Choice Rewards is not included with the Low Rate MasterCard®
      Contact a Coach to apply
    • Global Payment

      image of Master Card

      GLOBAL PAYMENT MasterCard® Card

      Take your chequing account with you wherever you go.

      Annual Fee: $0 - Interest Rate: N/A

      The GLOBAL PAYMENT MasterCard® offers you the convenience, flexibility and worldwide global acceptance of a traditional MasterCard credit card. GLOBAL PAYMENT MasterCard can be used anywhere MasterCard is accepted including shopping online and accessing cash at an ATM. But, unlike the traditional MasterCard credit card, the funds are automatically moved from your Libro account to pay off the balance after the transaction is completed.

      • When you use the card, the purchase amount is withdrawn from your chequing account
      • Enjoy the benefits of MasterCard protection
      • Exceptional benefits Includes View DetailsMasterTrip® and View DetailsMasterPurchase® benefits
      • Emergency Assistance Services
      Contact a Coach to apply

    Lost or Stolen Card?

    Debit Cards

    During business hours: Call the Contact Centre at 1-800-361-8222 or visit your nearest branch. Libro's branch locator

    After branch hours: Owners must call Everlink at 1-888-277-1043. This number is available 24 hours day, 7 days a week.

    MasterCard® Credit Card and Global Payment Cards

    Owners must call CUETS at 1-800-567-8111. This number is available 24 hours a day, 7 days a week.

    Security

    Protecting our owners against fraud is very important, which is why we're part of a national project to implement chip technology in our MasterCard® and LibroCard chip debit cards. Chip cards offer increased protection against counterfeit, identity theft and fraud as the information contained in the chip is nearly impossible to duplicate. For you it means entering a PIN (personal identification number) at chip-reading terminals for every transaction you perform.

    All trade-marks are the property of their respective owners.