Earn more rewards on your purchases
Save on interest

Earn more rewards PLUS save on interest

Earn 50% more Visa* rewards on everyday purchases made at stationery, office supply and discount stores like Walmart and Dollarama!

  1. Choose the perfect card for you
  2. Apply online in minutes
  3. Transfer your balance from other cards to your new Innovation Visa* and you'll only pay 5.9% interest for 6 months


Choose the card for you and apply in minutes

There are many Visa* card options for you to choose from. Here are two of our favourites!

Visa Infinite CardCash Back Visa

Transfer a Balance

  1. Login to the My Card Info website.
  2. Choose Account Services > Balance Transfer
  3. Follow the prompts and you're set!
NOTE: if the card you're switching from is your former Innovation Mastercard, the name to enter in the "card you're transferring from" field is Mastercard Credit Union.

Minimum transfer amount: $500.

These offers run from August 1 to October 31, 2020.

If you need help or have any questions, contact us!



Terms & Conditions Expand/Collapse

BALANCE TRANSFER OFFER: This offer is available from August 1 – October 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 https://www.collabriacreditcards.ca/cardholder-agreement 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 August 1 – October 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, which is the money the card issuer owes you, 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.

In 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. The minimum transfer amount without promotional offers is $100.

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.

BONUS POINT MERCHANT CATEGORIES OFFER: This offer is available from August 1 - October 31, 2020 on all Collabria consumer rewards credit card accounts (Cash Back, Centra Gold, FlexRate, World, Infinite, US Dollar, Travel Rewards Gold) and business rewards cards (No Fee Cash Back, Platinum Business Mastercard, Visa Infinite Business). Classic, Student and Low Rate Business credit cards are excluded from this offer. During promotional period cardholders will receive additional (50% more) reward points on every dollar spent on merchant category.


QUALIFYING ADDITIONAL BONUS POINT MERCHANT CATEGORIES: This offer applies to Collabria consumer and business rewards credit cards only. Qualifying transactions must be made between August 1 - October 31, 2020. In order to receive additional (50% more) reward points for every dollar spent, cardholder must spend their dollars in eligible merchant category codes (MCCs) classified as Discount Stores, Stationery / Office Supplies and Stationery Stores: a. Code 5310: Discount Stores
b. Code 5111: Stationery / Office Supplies
c. Code 5943: Stationery Stores

Bonus reward points will be awarded only in those eligible merchant categories. Eligible categories are subject to change without notice. Collabria Financial has no control over how a merchant is classified. Collabria Financial is not responsible for how merchants are categorized. Collabria Financial will not issue additional bonus rewards should the merchant from whom cardholder made their Net Purchase not be classified in the category they expected.

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 Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

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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