Collabria partners with Canadian credit unions to offer personal and business credit cards. In this guide, we break down how Collabria credit cards work so you can find the best card for your needs.
How do Collabria credit cards work?
Collabria has partnered with over 200 financial institutions to provide a wide range of basic and premium credit cards to members of Canadian credit unions.
Card options vary depending on the credit union, but you could get no-fee, low-interest, cash back, travel rewards, business and US dollar credit cards. Through Collabria, credit unions can offer branded Mastercards or Visa credit cards.
It’s easy to sign up for a Collabria credit card by visiting your credit union. Then you can begin enjoying your card by racking up rewards points, earning cash back, saving on fees or making use of whatever other benefits your card offers.
If you have a rewards card, you can redeem points for travel, merchandise, gift cards, charitable donations and statement credit to cut down your bill.
Collabria offers basic and premium credit cards for individuals and businesses. Your options vary depending on the credit union you’re with.
All Collabria credit cards come with the following features:
Zero Liability for fraudulent activity and purchase protection
Contactless payment capability
Compatibility with Apple Pay, Google Pay and Samsung Pay
Support for Visa Click to Pay and Mastercard Click to Pay
(Business cards only) Access to Visa SavingsEdge, Visa Spend Clarity and Visa Payment Control
Financial institution branding (Collabria’s logo appears on the back of the card)
Personal Collabria credit cards
No-Fee Cash Back
No-Fee Classic
Centra Gold
Visa Infinite (World Mastercard)
Cash Back Visa Infinite (Cash Back World Elite Mastercard)
US Dollar
Business Collabria credit cards
No-Fee Cash Back Business
Low Rate Business
Visa Infinite Business (Platinum Business Mastercard)
Examples of Collabria credit cards
To get a Collabria credit card, you’ll need to apply with a partner financial institution. Partners can customize credit cards with unique branding, and features can vary between cards. Here are some examples of Collabria credit card types and features.
Features: • 90 days purchase protection • Double the manufacturer's warranty (up to one year) • Mobile Device Insurance(No rewards points)
Integris Cash Back Mastercard
$0
20.99%
Rewards: • Earn 2 points per $1 spent on gas, 1 point per $1 spent on entertainment and 0.5 points per $1 on everything else.Other features: • 90 days purchase protection • Double the manufacturer's warranty (up to one year) • Mobile Device Insurance
Integris World Mastercard
$120
20.99%
Rewards: • Earn 3 points per $1 spent on groceries, 2 points per $1 spent on dining/entertainment and 1 point per $1 on everything else.Other features: • 90 days purchase protection • Double the manufacturer's warranty (up to one year) • Mobile Device Insurance • Auto Rental Collision/Loss Damage Insurance • Emergency Healthcare Coverage up to 60 days (cardholder and accompanying grandchildren) • Trip Cancellation Insurance up to $2,000 • Unlimited Trip Interruption Insurance • Lost or Delayed Baggage Coverage • Boingo Wi-Fi at 1 million hotspots worldwide • 24/7 Travel Assistance
Talka US Dollar Visa
$50 USD
19.99%
Rewards: • Earn 1 point per $2 USD spentOther features: • 90 days purchase protection • Double the manufacturer's warranty (up to one year) • Auto Rental Collision/Loss Damage Insurance
Alterna Low Rate Business Card
$25
12.99%
Features: • 90 days purchase protection • Double the manufacturer's warranty (up to one year)(No rewards points)
Which financial institutions offer Collabria credit cards?
Collabria works with hundreds of small to medium-sized credit unions across Canada. These include credit unions that are region specific (like Integris Credit Union in north central BC and DUCA in southern Ontario) as well as non-regional financial institutions (like the First Nations Bank of Canada).
In 2022, the National Credit Card Program (NCCP) signed a five-year agreement to make Collabria the credit card supplier of choice for its members. Administered by Central 1 Credit Union, the NCCP is a network of more than 180 credit unions united under a single Master Services Agreement (MSA) to issue branded portfolios of credit cards.
Collabria doesn’t typically partner with large credit unions like VanCity and Meridian, which have enough resources to offer in-house credit card programs.
Collabria rewards program
You can earn points with Collabria by spending money on your credit card. Every dollar you spend will get you a certain number of points unless you sign up for a card that doesn’t come with rewards like the Visa Classic.
These points accumulate and can be redeemed for merchandise, gift cards, statement credit, charitable donations, private vacation rentals, hotels, flights and travel experiences.
To redeem your Collabria points, visit the Flex Rewards website. Sign in and explore reward categories. Then exchange your points for whatever you choose.
The value of Collabria rewards points depends on the reward you’re redeeming points for. Generally, we found that each Collabria reward point is worth less than 1 cent.
For example, a $25 gift card could cost 2,995 points, which means one point is worth 0.008 cents. A $1,099 Apple Watch Ultra 2 (GPS + cellular) could cost 148,499 points, making each point worth 0.007 cents.
A summer round-trip flight from Toronto to London might require 147,777-350,124 points. If the Canadian dollar value of this flight is $700-$1,200 (depending on the route and upgrades you choose), each Collabria reward point is worth between 0.002 cents and 0.008 cents.
Collabria credit card eligibility requirements
You can qualify for a Collabria Mastercard or Collabria Visa if meet the following criteria:
Be the age of majority in your province or territory (18 or 19 years old)
Be a resident of Canada
Be a member of partner credit union or financial institution
Have a fair, good or excellent credit score
How to apply for a Collabria Mastercard or Collabria Visa
You can follow these steps to apply for a rewards credit card:
Figure out which Collabria credit card you want. Compare the cards that Collabria offers with your credit union to find the best fit for your personal situation.
Visit your credit union or apply online. Find your credit union on Collabria‘s website to apply for a card or apply in person when you visit your credit union branch.
Fill out an application. Fill out personal details such as your full name, address, email and phone number to start your application.
Submit to a credit check. Submit to a personal credit check to get approved for the Collabria credit card of your choice.
Review final details. Look at the details of your contract and make sure you understand what type of points and benefits you’ll get with your card before you sign off on it.
Wait for your card to arrive. Wait for your credit card to arrive by mail or pick it up at your local credit union.
How does Collabria keep my credit card information secure?
Collabria has bank-level security measures in place to protect your credit card information.
It stores your application form securely and encrypts all of your information and transactions for an added layer of protection. It also has a firewall to prevent data breaches and non-authorized users from accessing its systems.
Collabria credit cards also come with zero liability insurance to protect you against unauthorized or fraudulent purchases made on your account. This means if there are purchases you don’t recognize, you won’t be charged for them as long as you took reasonable precautions to protect your card and report it as stolen.
Bottom line
If you’re a member of a partner credit union or other financial institution, then a Collabria credit card could be right for you. Choose between a range of personal and business cards that come with various perks like no annual fees, low purchase interest rates, rewards points and travel benefits.
Check with your financial institution to find out which Collabria credit cards are available to you.
Yes. The Collabria Visa Classic and Cash Back cards cme with no annual fees. The Visa Classic is a good fit if you're looking for a low-interest card with no rewards. The Cash Back card could be better if you want to earn rewards points that can be redeemed for statement credit, merchandise, gift cards, charitable donations or travel.
No. As of December 15, 2022, you can't apply for the Collabria Visa Travel Rewards Gold card. Instead, consider other Collabria credit cards with travel perks like the World Mastercard or World Elite Mastercard.
Unfortunately, no. To get a Collabria credit card, you must be a member of a partner credit union or financial institution. Note that becoming a member usually comes with a one-time fee, often between $5 and $25.
Stacie Hurst is an editor at Finder, specializing in loans, banking, investing and money transfers. She has a Bachelor of Arts in Psychology and Writing, and she has completed FP Canada Institute's Financial Management Course. Before working in the publishing industry, Stacie completed one year of law school in the United States. When not working, she can usually be found watching K-dramas or playing games with her friends and family. See full bio
Claire Horwood was a writer at Finder, specializing in credit cards, loans and other financial products. She has a Bachelor of Arts in Gender Studies from the University of Victoria, and an Associate’s Degree in Science from Camosun College. Much of Claire’s coursework has focused on writing and statistics, with a healthy dose of social and cultural analysis mixed in for good measure. In her spare time, Claire enjoys rock climbing, travelling and drinking inordinate amounts of coffee. See full bio
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