Visa Card Program
Apply now!

Featured Cards Expand/Collapse

Visa Infinite Card

See Terms & Conditions below for Rewards Eligibility.

Other features:
  • Global Customer Service Assistance
  • Zero Liability*
  • Price Protection
  • Purchase Protection and Extended Warranty*
  • Auto Rental Collision/Loss Insurance
  • Emergency Health Care Coverage
  • Trip Cancellation Insurance
  • Trip Interruption Insurance
  • Lost or Delayed Baggage Coverage
  • Common Carrier Accident Protection
  • Visa Concierge Service...and more!


Cash Back Visa Card

See Terms & Conditions below for Rewards Eligibility.

Other features:
  • Global Customer Service Assistance
  • Zero Liability*
  • Purchase Protection and Extended Warranty*



Centra Visa* Gold Card

See Terms & Conditions below for Rewards Eligibility.

Other features:

  • Global Customer Service Assistance
  • Zero Liability*
  • Purchase Protection and Extended Warranty*
  • Auto Rental Collision/Loss Insurance


FlexRate Visa* Card

See Terms & Conditions below for Rewards Eligibility.

Other features:
  • Global Customer Service Assistance
  • Zero Liability*
  • Purchase Protection and Extended Warranty*
  • Mobile Device Insurance*


Visa* Classic Card

See Terms & Conditions below for Rewards Eligibility.

Other features:
  • Global Customer Service Assistance
  • Zero Liability*
  • Purchase Protection and Extended Warranty*
  • Mobile Device Insurance*

US Dollar Visa Card

See Terms & Conditions below for Rewards Eligibility.

Other features:
  • Global Customer Service Assistance
  • Zero Liability*
  • Purchase Protection and Extended Warranty*
  • Auto Rental Collision/Loss Insurance
  • Emergency Health Care Coverage
  • Trip Cancellation Insurance
  • Trip Interruption Insurance
  • Lost or Delayed Baggage Coverage
  • Common Carrier Accident Protection
  • Visa Concierge Service


Student Visa Card

Other features:
  • Global Customer Service Assistance
  • Zero Liability*
  • Purchase Protection and Extended Warranty*
  • Mobile Device Insurance*


Travel Rewards Visa Gold Card


See Terms & Conditions below for Rewards Eligibility.

Other features:
  • Global Customer Service Assistance
  • Zero Liability*
  • Purchase Protection and Extended Warranty*
  • Auto Rental Collision/Loss Insurance
  • Emergency Health Care Coverage
  • Protection for Grandchildren Travelling With You
  • Trip Cancellation Insurance
  • Trip Interruption Insurance
  • Lost or Delayed Baggage Coverage
  • Common Carrier Accident Protection
  • Visa Concierge Service



Access your Visa* card online Expand/Collapse

Already have a Visa through Innovation Credit Union? You can enroll your card on the My Card Info website.

After enrolling, you can:
  • view recent transactions
  • make a payment
  • sign up for Autopay, a feature that will automatically pay the balance of your card each month...and more!

To redeem your Visa rewards points, visit Collabria's reward headquarters. Reward yourself with:
  • gift cards
  • travel
  • event tickets
  • cash rewards
  • merchandise

Or give Collabria Rewards a call at 1.877.269.3317.

Important Visa* card service numbers Expand/Collapse

24/7 cardholder service
Canada & US
1.855.341.4643
International 1.647.252.9564

Card Activation 1.866.498.3840

Balance Transfer Expand/Collapse

Transferring any outstanding credit card balances to your Innovation Credit Union Visa card is an easy way to organize your finances:

  • Keep outstanding balances in one place -- it's easier to track and manage
  • Save on multiple fees from multiple cards, especially on higher-rate cards
  • Accumulate rewards quicker
Ready to get started?
  • Login to the My Card Info website.
  • Under the Account Services tab, select Balance Transfer.
  • Validate the CVV/CVC Code on the back of your Visa card.
  • Enter in some basic information as prompted and you're set! NOTE: if the credit card you're transferring from is your former Innovation Mastercard, the name to enter in the "card you're transferring from" field is Mastercard Credit Union.

Please note: the minimum amount you can transfer is $100 and the maximum amount you can transfer is $7,500.

Apple Pay™ Expand/Collapse

Collabria offers Apple Pay, the easy, secure and private way to pay on iPhone, iPad, Apple Watch and Mac. No matter which way you pay, you will continue to earn eligible rewards, benefits, and security.

Learn more...

Traveling? Let us know! Expand/Collapse

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

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

Call Collabria at 1.855.341.4643 or visit the My Card Info website. Log in, choose Account Services > Travel Centre. You can select your travel dates, cities and countries in minutes.

Need to change your phone number or billing address? Expand/Collapse

Call Collabria at 1.855.341.4643 or visit the My Card Info website. Log in and choose "My Account" to view a self-serve option for updating your information.

Any Questions?

If you have any questions about our new Visa card program and the exciting incentives we have available, we'd love to help you:


Contact us


Terms & Conditions Expand/Collapse

The Collabria Visa Card is issued by Collabria Financial Services Inc. pursuant to a license from Visa.

* Trademark of Visa Int., used under license.

Eligibility for Rewards
Eligibility for rewards and/or account credit is subject to the rewards program terms and conditions. Qualifying transactions are defined in the rewards program terms and conditions. Cash advances and balance transfers do not qualify for reward points. To earn rewards, each account must remain open, in good standing and not become delinquent. All purchases are subject to credit approval.


Zero Liability applies to your purchases made with your credit card in store, over the telephone, online or via a mobile device. As a cardholder, you will not be held responsible for unauthorized transactions if: 1) you have used reasonable care in protecting your card from loss or theft; and 2) you have reported to Cardholder Service at 1.855.341.4643 (Canada and U.S.) or 1.647.252.9564 (International Collect) when you knew that your credit card was lost or stolen. If you believe there has been unauthorized use on your account and you meet the conditions above, you are protected by Zero Liability. If you do not meet the conditions above, please reference your Cardholder Agreement for additional information regarding liability.

Mobile Device, Purchase Protection, Extended Warranty Insurance information.

Apply Now

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