How to apply for a Mainstreet credit card
It’s easy to apply online or in-person for a Mainstreet credit card.
Credit cards that reward
how you spend
Earn rewards on everyday purchases
with a Mainstreet Mastercard® credit card
Earn up to $220 in value
with a premium Mastercard®†
Including no annual fee in your first year.
†See terms and conditions for full details.
Personal Credit Cards
Mainstreet offers a range of Mastercard® credit cards through our partner Collabria, with options that provide cash back, rewards, travel benefits, and competitive rates.
Choose your Mainstreet Credit Card
Cash Back World Elite Mastercard®
Unlock maximum rewards and cash back on your everyday purchases.
Card Highlights
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Earn up to 4 points per $1 on everyday spending categories
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Premium insurance coverage including travel and purchase protection
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Redeem rewards for travel, merchandise, statement credits, or cash back to your Mainstreet account
Special Offer
Centra Gold Mastercard®
Earn generous reward points while you keep more money in your wallet with low fees and a low interest rate.
Card Highlights
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Earn 1 point for every $1 spent on everyday purchases.
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Redeem rewards for travel, merchandise, statement credits, or cash deposited to your Mainstreet account
World Mastercard®
Earn flexible rewards on everyday purchases while enjoying added travel benefits and insurance coverage.
Card Highlights
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Earn up to 3 points per $1 on groceries, with bonus rewards on dining and entertainment
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Travel and purchase protection insurance including rental car coverage and emergency travel benefits
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Redeem rewards for travel, merchandise, statement credits, or cash back to your Mainstreet account
Cash Back Mastercard®
Earn cash back on the purchases you already make with a simple, everyday credit card.
Card Highlights
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Earn up to 1 point per $1 on groceries, gas, subscriptions, and recurring bills
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No annual fee, making it a simple everyday credit card option
Classic Mastercard®
A straightforward, low fee credit card with a competitive interest rate for everyday purchases.
Card Highlights
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Low annual fee
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Purchase protection and extended warranty coverage on eligible purchases
US Dollar Mastercard®
A credit card that helps you avoid currency conversion on purchases made in U.S. dollars.
Card Highlights
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Earn 1 point for every $2 USD spent on purchases
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Purchase protection and extended warranty coverage on eligible purchases
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1
Book a meeting or apply online
Apply for your credit card online or in-person.
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2
Collabria will notify you
Collabria will notify you about the status of your application within 7-10 business days.
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3
Receive your card via mail
If approved you will receive your new Mainstreet Credit Card in the mail within 7-10 business days.
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4
Activate your card
Call Collabria to activate and setup your card and PIN.
Card Wise
Manage your Mainstreet credit cards using Card Wise. Check balances, manage transactions, get spending insights and more.
Find the Credit Card That Fits You
Use our Credit Card Picker to compare features, rates, and rewards and choose the card that matches your spending style. Or connect with a Mainstreet advisor for help finding the right fit.