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Prospera Centra Visa Gold
Credit Cards

Centra Visa* Gold

Looking for a lower interest rate? Here’s our lowest — and you can get cash rewards1 by redeeming points, too.

Prospera Centra Visa Gold
Centra Visa* Gold

Pay less in interest

Centra Visa* Gold helps keep your costs in check. You’ll pay our lowest interest rate and can turn points into statement credits2.

Special offer:

Enjoy 1,000 welcome points** when you sign up for a new card
Choose this card if you
  • Often carry a balance on your card
  • Like earning cash back for shopping2
  • Want fraud3, purchase4, and mobile device protection4
What it costs
  • Annual fee: $50
  • Additional card fee: $10
  • Interest rate on purchases: 12.99%
What you get
  • 1 point for every dollar spent2
  • Zero liability fraud protection3
  • 90-day purchase protection4
  • Double the manufacturer’s warranty4 (up to one year)
  • Mobile device insurance4
Enjoy a large assortment of Reward Points redemption options, including
  • 60,000 top-selling merchandise items***
  • Gift cards from 60+ top Canadian retailers***
  • Cash rewards in the form of statement credit***
  • Private vacation rental or hotel accommodation, flights and travel experiences***
  • Charity donations***

Already a card holder?

Quickly, easily and securely access your account information, current balance, transaction history and more with your 24/7 online account.

Go to CardWise

Explore all credit cards

Visa Infinite*

When you want it all. Earn our highest level of cash rewards1 by redeeming points, and stay protected with built-in car rental and trip insurance4.

Visa* Classic

Maybe you don’t need all the bells and whistles. Save money with no annual fee and a low interest rate on purchases.

Cash Back Visa*

A no annual fee card that doesn’t skimp on the rewards2.

US Dollar Visa*

Skip foreign transaction fees when you travel to the US or shop online with a US company. Redeem points for cash rewards1 and car rental insurance4 as well.

How to reach us

Call our Member Service Centre

Toll free
1 888 440 4480

Monday to Friday
8 am - 8 pm

Saturday 9 am - 5 pm

Contact tech support
Send us an email
*The Collabria Visa Card is issued by Collabria Financial Services Inc. pursuant to a license from Visa. Visa is a trademark of Visa Int. and is used under license.

**Terms & Conditions apply. Visit (insert hyperlink to https://www.collabriacreditcards.ca/affiliate_prospera-credit-union/offers/welcome2024.aspx) for more details.

***Terms & Conditions apply. Visit (insert hyperlink to https://www.collabriacreditcards.ca/rewards.aspx) for more details.

1 The base value of one reward point is equal to one cent (a penny per point). The cash equivalent shown for illustration purposes only is based upon the redemption of these points as a statement credit. The valuation is for cash equivalent only; the value of redeeming for merchandise and travel may vary.

2 Reward points are earned on net purchases only. Any Cash-like Transactions including Cash Advances, 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

3 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.

4 Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc. Details of insurance coverage, including definitions, benefits, limitations and exclusions, are in the Certificate of Insurance. The Certificate of Insurance is available online at collabriacreditcards.ca/insurance.aspx. Insurance coverage is subject to change.