Get a $50 sign-up bonus!
Save on interest

Maximize your rewards this holiday season!

Apply online using the promo code BONUS50 before December 31, 2020 and you'll earn $50 cash for a successful application! This offer is open to Saskatchwan residents only.

Plus from now until January 31, 2021, if you transfer a balance from another credit card to your Visa* card, you'll only pay 5.9% interest for 6 months! 

All of our rewards-earning cards are eligible.
  1. Choose the perfect card for you
  2. Apply online in minutes and get $50
  3. Transfer your balance from other cards to your Innovation Visa*

Apply today

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 Card

See Terms & Conditions below for Rewards Eligibility.


Cash Back Visa Card

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!

Important Notes

  • 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 November 1, 2020 to January 31, 2021.
If you need help or have any questions, contact us!



Terms & Conditions Expand/Collapse

$50 SIGN-UP BONUS OFFER: Applications must be submitted on or before December 31, 2020. The promotional code “BONUS50” must be entered into the Promo Code field at time of application to qualify. Subject to credit approval. $50 Bonus will be e-transferred to the successful applicant within 45 days of card approval notification. Innovation Credit Union reserves the right to cancel or change this offer at any time without notice, for any reason, and to revoke the offer for any customer who appears to manipulating or abusing the offer, or is engaged in any suspicions/fraudulent activity. This offer is open to Saskatchewan residents only. Limited to one $50 bonus per person.

BALANCE TRANSFER OFFER: This offer is available from November 1, 2020 – January 31, 2021 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 November 1, 2020 – January 31, 2021. 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.

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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