Compare Collabria Credit Cards 2021 | Finder Canada

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Collabria credit cards

Do you bank with a credit union in Canada? You could benefit from taking out a Collabria Mastercard or Collabria Visa.

Collabria works with credit unions across Canada to bring you a wide selection of basic and premium credit cards. The type of Collabria credit card you can qualify for will depend on which credit union you bank with. Learn more about how Collabria credit cards work and find out which one might be the best fit for your unique set of needs and lifestyle.

How does a Collabria Mastercard or Collabria Visa work?

Collabria offers a wide range of credit cards through its partnerships with credit unions across Canada. Collabria credit card types include low-interest, cash back, travel rewards, business and US dollar credit cards – though your choice of card will vary based on which credit union you’re with. It’s easy to sign up for a Collabria credit card on Collabria‘s website or by visiting your credit union in person.

Once you’re signed up, you can begin to collect Collabria Rewards points. These can be redeemed for rewards such as travel, merchandise, gift cards, charitable donations and statement credits. Many of Collabria‘s credit cards also come with a number of benefits such as purchase protection, extended warranty coverage and mobile device protection.

Which credit unions work with a Collabria credit card?

Collabria works with hundreds of small to medium-sized credit unions across Canada. These include credit unions that are specific to a particular town (such as the Nelson and District Credit Union) as well as larger credit unions that aren’t linked to a particular region (such as the First Nations Bank of Canada). It tends not to work with larger credit unions like VanCity, Meridian or First West since these institutions often have the resources to offer their own credit cards.

Types of Collabria Credit Cards

Collabria offers a handful of basic and premium credit cards depending on which credit union you bank with. These cards include cash back, low-interest, travel rewards, business and US dollar credit cards. The most common cards that Collabria offers are included below:

MastercardVisa
Cash Back Mastercard

Centra Gold Mastercard

Classic Mastercard

Travel Rewards Gold Mastercard

US Dollar Mastercard

World Mastercard

No-Fee Cash Back Business Mastercard

Low-Rate Business Mastercard

Platinum Business Mastercard

Cash Back Visa

Centra Visa Gold Card

Visa Classic Card

Travel Rewards Visa

US Dollar Visa Card

Visa Infinite Card

No-Fee Cash Back Visa Business Card

Low-Rate Visa Business Card

Visa Infinite Business Card

Compare features for Collabria credit cards

You can easily compare the features of Collabria credit cards in the table below. You’ll need to check with your credit union to see which credit cards it offers.

Card nameAnnual feeInterest rateRewards (per dollar spent)Insurance
Cashback cards
Collabria Cash Back Card$019.99%2 points for gas purchases

1 point for entertainment purchases

0.5 points for all other purchases
90-day purchase protection

Double the manufacturer’s warranty

Mobile device insurance

Low-interest cards
Collabria Centra Gold Card$5011.99%1 point for all purchases90-day purchase protection

Double the manufacturer’s warranty

Mobile device insurance

Collabria Classic card$012.99%No rewards90-day purchase protection

Double the manufacturer’s warranty

Mobile device insurance

US dollar cards
Collabria US Dolar cardUS$5019.99%Earn 1 point for every US$2 you spend90-day purchase protection

Double the manufacturer’s warranty

Mobile device insurance

Travel rewards cards
Collabria Travel Rewards Gold card$9919.99%1 point for all purchases48-day rental car insurance

90-day purchase protection

Double the manufacturer’s warranty

Mobile device insurance

Travel medical

Trip cancellation

Trip interruption

Lost or delayed baggage

24/7 travel assistance

Collabria Visa Infinite or Collabria World Mastercard card$12020.99%3 points for grocery purchases

2 points for dining and entertainment purchases

1 point for all other purchases
48-day rental car insurance

90-day purchase protection

Double the manufacturer’s warranty

Mobile device insurance

Travel medical

Trip cancellation

Trip interruption

Lost or delayed baggage

24/7 travel assistance

Business cards
Collabria No-Fee Cash Back Business Card$019.99%0.5 points for all purchases90-day purchase protection

Double the manufacturer’s warranty

Collabria Low Rate Business Card$2512.99%No rewards90-day purchase protection

Double the manufacturer’s warranty

Collabria Visa Infinite card or Platinum Business Mastercard$9920.99%1.5 points on business purchases48-day rental car insurance

90-day purchase protection

Double the manufacturer’s warranty

Trip cancellation

Trip interruption

Lost or delayed baggage

Common carrier insurance

24/7 travel assistance

Collabria rewards program

You can earn points with Collabria by spending money on your credit card. Every dollar you spend will get you a certain number of points – unless you sign up for a card that doesn’t come with rewards (such as the Collabria Classic card). These points will collect on your account until you decide to redeem them.

To redeem your Collabria points, you can shop for rewards on Collabria‘s “Flex Rewards” site. All you need to do is sign in and then you can exchange your rewards for travel, merchandise, event tickets, gift cards or cash rewards. The types of rewards you’re eligible for may depend on what type of card you have.

Who can qualify for a Collabria credit card?

You should be able to qualify for a Collabria Mastercard or Collabria Visa if you have a decent credit score and are a member of a credit union that partners with Collabria. You may also need to meet the following criteria:

  • Be 18 years old or the age of majority in your province or territory.
  • Be a Canadian citizen or a permanent resident with a valid Canadian address.
  • Have a working bank account that’s held with an eligible credit union.
  • Have an average credit score and not be struggling with a bankruptcy or a consumer proposal.

How to apply for a Collabria Mastercard or Collabria Visa

You can follow these steps to apply for a rewards credit card:

  1. Figure out which Collabria credit card you want. Compare the cards that Collabria offers with your credit union to find the best fit for your personal situation.
  2. Visit your credit union or apply online. Find your credit union on Collabria‘s website to apply for a card or apply in person when you visit your credit union branch.
  3. Fill out an application. Fill out personal details such as your full name, address, email and phone number to start your application.
  4. Submit to a credit check. Submit to a personal credit check to get approved for the Collabria credit card of your choice.
  5. Review final details. Look at the details of your contract and make sure you understand what type of points and benefits you’ll get with your card before you sign off on it.
  6. Wait for your card to arrive. Wait for your credit card to arrive by mail or pick it up at your local credit union.

How does Collabria keep my credit card information secure?

Collabria has bank-level security measures in place to protect your credit card information.

It stores your application form securely and encrypts all of your information and transactions for an added layer of protection. It also has a firewall to prevent data breaches and non-authorized users from accessing its systems.

Collabria credit cards also come with zero liability insurance to protect you against unauthorized or fraudulent purchases made on your account. This means if there are purchases you don’t recognize, you won’t be charged for them as long as you took reasonable precautions to protect your card and report it as stolen.

Bottom line

Collabria offers a number of basic and premium credit cards that you can apply for with partner credit unions. You can choose from a wide range of credit cards to suit just about any set of needs or budget. Find out more about Collabria credit cards and compare Collabria‘s most popular cards to find the best fit for your personal situation.

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