All fun. No fees. Meet your Aura™ Loyalty card.  

Many of you are loyal credit union members. Perhaps you don’t have, or simply don’t want, a credit card. Or have a credit card, but don’t like to carry a balance or have debt. Maybe online shopping or pre-ordering groceries wasn’t really necessary or of interest to you. Even reserving hotel rooms or ordering online take-out (although possible without a credit card) became an inconvenient chore, but you made do with debit and cash.

But, with the implementation of social distancing practices, restaurant closures, pre-ordering from the grocery store, and cashless payments at many establishments, navigating our current world without a credit card has been even more difficult. That is, until today.

That’s where an Aura​​ ​Loyalty card comes in. Aura is a fee-free, reloadable Mastercard® with a built-in financial wellness app, exclusively for members of Encompass Credit Union. It has instant offers, rewards of your choice, and can be used wherever Mastercard is accepted. It’s also a way to have a card that allows you to use it like a Mastercard®, but without having to actually have a credit card. You load it with your money, all without debt, and this card is available exclusively for you as a member.  

There are many things you can do with an Aura Loyalty card. Let’s learn more.

Track your savings and set goals

Set savings goals directly in the Aura Loyalty app and achieve them, with round up savings tools to the nearest $1, $2, $5, or $10. You can even track how you’re saving on a weekly or monthly basis and categorize your spending habits. This will help you see where your money goes, so you can pinpoint how to save smarter in the future.

Use it with your smartphone

For convenience and ease, your card can also live within your smartphone digital wallet allowing you to tap-to-pay on your phone using Apple Pay, Samsung Pay, or FitBit Pay.

Tap to pay. Load money easily.

If you’re out and about, a simple tap to pay is all you need to complete purchases and reloading the card is extremely easy with the help of Interac e-Transfer®.

Spend with peace of mind

With the ability to freeze your card if you lose it, zero liability protection, and transaction notifications, online shopping is safe and secure with an Aura card. You can shop online knowing that you control how much is loaded on the card, and there’s no risk of potentially thousands of dollars on a traditional credit card.

Get rewarded with your Aura Loyalty card

We saved the best for last.

By using your Aura Loyalty card, you can be rewarded at your favourite places (without the hassle of joining countless loyalty programs). With exclusive offers, promotions, and cash back on everyday purchases, the decision to sign up for Aura Loyalty is a no-brainer.

Ready to join? Let’s get the process started.

Sign up for Aura Loyalty

Aura Loyalty is a reloadable Mastercard® and financial wellness app with instant offers and rewards of your choice, exclusively for members of Encompass Credit Union.

  • Earn instant cash-back on everyday purchases from your favourite places.
  • Access your cash while travelling or shop online in different currencies, with no ATM withdrawal fees and a reduced foreign exchange rate of 1.5%
  • Track your spending and set savings goals with the app.
  • Get security like the ability to ‘freeze’ your card within the app, if you lose it, or ‘unfreeze’ it if it’s a false alarm.
If you are an Encompass member with a local small business who would like to become a participating merchant in the Aura loyalty program, please contact
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