Pay No Annual Fee

Pay no annual fee plus earn rewards4 with our Cash Back Visa* card!

Join the 65,000+ members who bank with us!

Pay No Annual Fee

Cash Back Visa card

Discover the benefits

  • Pay no annual fee
  • Redeem points for a variety of items
  • Easily transfer cash rewards1
  • Make purchases using your phone

Hear from our outstanding Visa members


Caroline

“Visa Infinite purchase protection and extended warranty insurance is a great feature!” 

“Visa Infinite purchase protection and extended warranty insurance is a great feature!” 


Save money on fees

Our Cash Back Visa Card has no annual fee. Earn points4 without paying a dime!

Enjoy endless rewards options

Our Cash Back Visa card has earned its name. Buy groceries, fill up your gas tank, dine out with friends, and redeem your points for cash!1 You can also redeem your points for travel rewards, merchandise, gift cards, and donations to your favourite charities.

Save time redeeming points

Deposit your Cash Back Visa cash rewards1 directly into your chequing or savings account. It’s a convenient feature that gets you your money faster!

Pay safely using your phone

Mobile payments have never been easier. Use Apple Pay, Google Pay™, or Samsung Pay® for Visa to pay as you go, anytime, anywhere!


Save

Our No-Fee Bank Account has no monthly fees and no minimum balance requirements. Save ~$11/month in fees!

Earn

Earn cash dividends simply by doing your everyday banking with us. The more you bank with us, the more you benefit.

Give

Your business helps us support your community. We allocate 2% to 4% of pre-tax profits/year to our communities.


Questions?


What kind of rewards can I earn with the Cash Back Visa?

You can choose from:

  • Over 60,000 top-selling merchandise items, including products from Best Buy catalogue†
  • Gift cards from over 60 of Canada’s top retailers†
  • Cash rewards in the form of statement credit†
  • Private vacation rental or hotel accommodation, flights and travel experiences†
  • Charity donations†

Where can I use my Cash Back Visa rewards points?

You can redeem your reward points across an exciting range of products and services.

  • Shopping†
  • Charity†
  • e-Vouchers†
  • Entertainment†
  • Flight tickets†
  • Hotel bookings†

How do I redeem my rewards?

To redeem your rewards points, visit Collabria's reward headquarters

What are the eligibility requirements to apply for a card?

Proof of Age: You must be 18 years of age or older

Proof of Residence: You must be a Canadian resident

Innovation Membership: You need to be an Innovation member. If you’re not, apply for a No-Fee Bank Account in minutes!

Who can I contact for support with my card?

24/7 cardholder service
Canada & US 1.855.341.4643
International 1.647.252.9564

Card Activation 1.866.498.3840

Do I need to let you know if I’m travelling with my card? Why?

Your security is very important to us. If Collabria, our Visa issuer, notices irregular activity on your card, particularly from out of country, they may put a stop on your card.

That's why it's important if you're travelling to let Collabria know so you have easy access to your funds. Call Collabria at 1.855.341.4643.

How do I change my phone number and billing address for my card?

Call Collabria at 1.855.341.4643 or email info@collabriafinancial.com.

Earn more and pay less today!

Pay no annual fee with the Cash Back Visa* Card. You can even enjoy cash rewards!1


Need more help choosing your credit card?

Try our card selection tool!



Terms and conditions apply. Visit https://reward-headquarters.com/groupCollabriaNational/home for more details.

1The base value of one reward point is equal to one cent (a penny per point). The cash equivalent shown for illustration purposes only is based upon the redemption of these points as a statement credit. The valuation is for cash equivalent only; the value for redeeming for merchandise and travel may vary. 

4Reward points are earned on net purchases only. Any Cash-like Transactions including Cash Advances, Balance Transfers, and interest charges, fees, payments, credit or debit adjustments and any amount other than Purchases that may be charged to your Account with your Card or Convenience Cheques, do not qualify for Points. For more information visit collabriacreditcards.ca/rewards 

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries and regions.

Google and the Google Pay logo are trademarks of Google LLC.

®Samsung and Samsung Pay are trademarks of Samsung Electronics Co., Ltd.

*Trademark of Visa Int., used under license. The Collabria Visa Card is issued by Collabria Financial Services Inc. pursuant to a license from Visa.

Collabria Financial Services Inc. (“Collabria”) is an independent entity from your credit union with no ownership interest in the other. If you choose to obtain Collabria credit card services through a referral from your credit union, it will receive compensation from Collabria.