Pay No Annual Fee

Pay no annual fee plus earn rewards with our Cash Back Visa* card!

Join the 65,000+ members who bank with us!

Pay No Annual Fee

Cash Back Visa card

Discover the benefits

  • Pay no annual fee
  • Redeem points for a variety of items
  • Easily transfer cash rewards
  • Make purchases using your phone

Hear from our outstanding Visa members

Save money on fees

Our Cash Back Visa Card has no annual fee. Earn points without paying a dime!

Enjoy endless rewards options

Our Cash Back Visa card has earned its name. Buy groceries, fill up your gas tank, dine out with friends, and redeem your points for cash! You can also redeem your points for travel rewards, merchandise, gift cards, and donations to your favourite charities.

Save time redeeming points

Deposit your Cash Back Visa cash rewards directly into your chequing or savings account. It’s a convenient feature that gets you your money faster!

Pay safely using your phone

Mobile payments have never been easier. Use Apple Pay™, Google Pay™, or Samsung Pay™ for Visa to pay as you go, anytime, anywhere!


Our No-Fee Bank Account has no monthly fees and no minimum balance requirements. Save ~$11/month in fees!


Earn cash dividends simply by doing your everyday banking with us. The more you bank with us, the more you benefit.


Your business helps us support your community. We allocate 2% to 4% of pre-tax profits/year to our communities.


You can choose from:

  • Over 60,000 top-selling merchandise items, including products from Best Buy catalogue
  • Gift cards from over 60 of Canada’s top retailers
  • Cash rewards in the form of statement credit
  • Private vacation rental or hotel accommodation, flights and travel experiences
  • Charity donations

You can redeem your reward points across an exciting range of products and services.

  • Shopping
  • Charity
  • e-Vouchers
  • Entertainment
  • Flight tickets
  • Hotel bookings

To redeem your Visa rewards points, visit Collabria's reward headquarters

Proof of Age: You must be 18 years of age or older

Proof of Residence: You must be a Canadian resident

Innovation Membership: You need to be an Innovation member. If you’re not, apply for a No-Fee Bank Account in minutes!

24/7 cardholder service
Canada & US 1.855.341.4643
International 1.647.252.9564

Card Activation 1.866.498.3840

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

That's why it's important if you're travelling 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 websiteLog in, choose Account Services > Travel Centre. You can select your travel dates, cities and countries in minutes.

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

You can add Visa as a bill payee in digital banking or 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!

Earn more and pay less today!

Pay no annual fee with the Cash Back Visa* Card. You can even enjoy cash rewards!

Need more help choosing your credit card?

Try our card selection tool!

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

Redeem points for cash back in the form of an account credit. Not available on US Dollar cards. View full Rewards Program Rules at

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.