Trim the interest you pay on your credit card
Looking to trim the interest you pay?

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Have multiple credit cards with high rates and annual fees?

If you have an Innovation Visa* card but also have additional credit cards in your wallet, you may want to consider Balance Transfer. Transferring any outstanding credit card balances to your Innovation 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
  • BONUS OFFER: Earn 50% more rewards on grocery, supermarket, and bakery purchases from May 1 to July 31, 2020
From now until July 31, 2020 if you transfer a credit card balance to your new Innovation Visa card, you'll only pay 5.9% for 6 months.

Ready to get started?

You can transfer your balance online in minutes:
  • 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 $500. You can transfer as many balances of $500 or more as your credit limit allows during the promotional period.

If you don't have an Innovation Visa card just yet...there's still time!

If you want to take advantage of this special offer but need an Innovation Visa card first, apply today! With low rate, no fee, cash back options and more, there's a card to meet any of your needs.

Terms & Conditions Expand/Collapse

This offer is available from May 1 to July 31, 2020 on all consumer and business credit card accounts except the US Dollar card. During the promotional period, cardholders will be able to transfer balances to a Collabria credit card at the promotional annual interest rate of 5.9%. The US Dollar card is not part of this promotional offer. Please refer to your Cardholder Agreement for further details regarding Collabria cards that are eligible for this offer. You can also access this agreement at to see the agreement that applies to the card of your choice.

BALANCE TRANSFER PROCESS: Balance transfers can be requested after the cardholder receives and activates their card. They can initiate a balance transfer via MyCardInfo (online banking), in their branch or by contacting Cardholder Services. The cardholder requires the destination biller/payee name as well as the account/card# associated with the account. The minimum transfer amount without promotional offers is $100.

BALANCE TRANSFER PROMOTIONAL OFFER: The promotional 5.9% annual interest rate for balance transfers applies for 6 months from the date of transfer and will be applied automatically. When the promotional rate ends, your standard interest rate will apply. The promotional balance transfer rate can only be used during the promotional period between May 1 – July 31, 2020. This offer may be withdrawn or ended at any time without prior notice. This offer applies to consumer and business credit cards. The US Dollar card is excluded from this offer. Account credits on a credit card cannot be transferred as a balance transfer to a Collabria credit card.

This promotional offer does not apply to transfers between Collabria accounts. Please continue to make your regular payments on transferred accounts until you receive confirmation that the transfer has been completed.

³In order to receive the promotional 5.9% annual interest rate for balance transfers, a minimum transfer amount of $500 is required and you can transfer as many balances as your credit card limit allows during the promotional period, as long as each transfer is $500 or more. Review all terms and conditions for complete details.

To identify a Collabria-issued credit card, please check the credit card back; the issuer (Collabria) is always stated on the bottom left corner. If the credit card issuer is listed as Collabria, this card is not eligible for a balance transfer to another Collabria-issued credit card.

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

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