Aura Loyalty

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

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.

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

Ready to join? Let’s get the process started. A one-time $10 card fee will apply at application. 


Apply for your Aura card right away and enjoy all of these benefits. This card is a for members over 18 years of age at this time. A youth card for young members from age 13-17 is being developed. Expect to hear more on this in the coming months.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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