Embrace your new life in Canada and receive $50 upon approval and activation* to get you started. Our credit cards are designed with a range of benefits to help individuals, families and students get started and fit right in.

• Build your credit – even with no previous credit history in Canada

• Stay safe with built-in insurance and fraud protection¹

• Earn valuable rewards² on eligible products

• Easily manage your account online with CardWise Online or from your phone with CardWise Mobile

We’re here to help guide you on your financial journey so you can thrive in your new home. With advice on building credit and resources you may need as you get started, we’re here to support you every step of the way.

From January 1 - December 31, 2025.*

*Terms & conditions apply. Visit here for more details.

1 Zero Liability applies to your purchases made with your credit card in the store, over the telephone, online or via a mobile device. As a cardholder, you will not be held responsible for unauthorized transactions if:

1. you have used reasonable care in protecting your card from loss or theft; and

2. you have reported to Cardholder Service at 1.855.341.4643 (Canada and U.S.) or 1.647.252.9564 (International Collect) when you knew that your credit card was lost or stolen.

If you believe there has been unauthorized use on your account and you meet the conditions above, you are protected by Zero Liability.

2 Reward points are earned on net purchases only. Any Cash-like Transactions including Cash Advances, Balance Transfers, and interest charges, fees, payments, credit or debit adjustments and any amount other than Purchases that may be charged to your Account with your Card or Convenience Cheques, do not qualify for Points. For more information visit collabriacreditcards.ca/rewards.

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.