ACU - Credit Cards | Flexible, secure options

Discover the ACU Collabria Visa* credit card that’s right for you.

Cash Back Visa Infinite* Card

Earn maximum rewards points on groceries, sustainable transit, recurring bills, dining and entertainment!

Plus, gain peace of mind with competitive travel coverage, including travel medical, lost or damaged baggage and optional extension coverage.

Visa Infinite* Card

Maximize your rewards by earning points on every dollar you spend—with points on groceries, dining and entertainment.

And when you travel, enjoy premium Visa Infinite benefits like concierge service, room upgrades, complimentary Wi-Fi, breakfast and late checkout, along with the peace of mind of comprehensive travel insurance.

Centra Visa* Gold Card

Enjoy rewards points on everyday purchases and a low interest rate with this low annual fee credit card.

Cash Back Visa* Card

No annual fee and earn rewards points on every dollar you spend—with bonus points on gas!

Visa* Classic Card

A simple, low annual fee card with a low interest rate, plus added protection like zero liability, purchase protection, mobile device insurance and extended warranty coverage.

US Dollar Visa* Card

Shop in the U.S. worry-free with no currency conversion fees! Earn points for every $2 USD spent and auto rental collision/loss damage insurance.

Not sure which credit card is right for you? Let us help!

Not sure which credit card is right for you? Our credit card selector tool, provided by Collabria, makes it easy—just answer a few simple questions to get personalized recommendations based on your spending habits and financial goals.

Help me choose the right credit card

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With our full line of Visa cards, enjoy:

Shop with peace of mind, convenience and the benefit of rewards.

Zero liability

Shop with complete confidence—online or in stores. You’re only responsible for purchases you’ve authorized on your Visa account.

Convenience

Make purchases on the go with Apple Pay™, Samsung Pay® and Google Pay™. Simple to use and secure for purchases in stores, apps and online. Access monthly statements through CardWise or MyCardInfo, view recent transactions and manage your account online anywhere, anytime.

Accessibility

Centra Gold and Visa Infinite Cards have feature "accessibility notching” to help cardholders with visual impairments locate the correct card and chip location by touch.

Environmental sustainability

Visa Classic, Cash Back and US Dollar credit cards are printed on 70% reclaimed recycled plastic. That’s the equivalent of one water bottle!

Monitor, control and protect your credit card activity by signing up for no-fee text fraud alerts.

With text fraud alerts, our fraud specialists send a message directly to your mobile phone if they see unusual activity on your card. If the purchases weren’t yours, you can immediately notify Collabria and they will block usage and send you a new credit card.

If you’d prefer not to receive text fraud alerts, we will call you if unusual activity relating to your account is detected and ask you to confirm it was you or an authorized user who performed a transaction on your credit card.

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	Annual fee	Rewards points	Other perks
Cash Back Visa Infinite Card	$120	4 points for every $1 spent on grocery & sustainable transit purchases 2 points for every $1 spent on recurring bills, dining & entertainment purchases 1 point for every $1 spent on all other purchases.	Emergency health care, baggage coverage and 24/7 travel assistance Auto rental collision/loss damage insurance Purchase protection & extended warranty insurance Mobile device insurance Zero liability fraud protection Premium Visa Infinite benefits
Visa Infinite Card	$120	3 points for every $1 spent on grocery purchases 2 points for every $1 spent on dining and entertainment purchases 1 point for every $1 spent on all other purchases	Premium Visa Infinite benefits including concierge, room upgrades, complimentary Wi-Fi and breakfast, late checkout Comprehensive travel insurance including trip cancellation, lost or damaged baggage, auto rental collision, emergency health care coverage and 24/7 travel assistance Purchase protection & extended warranty insuranceZero liability fraud protection
Centra Visa Gold Card	$50	1 point for every $1 spent on everyday purchases.	Zero liability fraud protection Purchase protection & extended warranty Mobile device insurance

Your questions answered

What do I do if my credit card is lost or stolen?

If you suspect that your credit card has been lost or stolen, contact Cardholder Services 24 hours a day, seven days a week at 1.855.341.4643 (Canada and U.S.) or 1.647.252.9564 (International Collect); or use the ‘Report Lost/Stolen’ feature by logging into CardWise.

I think my credit card was used fraudulently—what happens next?

Whether online or in store, you’re only responsible for purchases you’ve authorized on your Visa account. We’re always monitoring your account for unusual activity. If you’ve signed up for text fraud alerts, we will send you a text notification if unusual activity on your card is detected.

You’ll be able to confirm that the transactions were made by you and, if they weren’t, immediately notify Collabria of the unauthorized purchases. If your credit card was used fraudulently, we will block usage and send you a new card.

How do I find out my credit card interest rate?

Your credit card interest rate is published on Collabria’s website. By clicking on your card type, you’ll see your interest rate on purchases. Click on terms and conditions for a list of all current charges, fees, pricing and benefits.

What can I buy with my credit card rewards?

Earn rewards points to redeem your way—for merchandise, gift cards, flights, travel experiences or a statement credit. You can also redeem points for an electronic gift card (eGift) to donate online through Canada Helps. If you’re a Cash Back Visa or Cash Back Visa Infinite cardholder, you can also redeem points for cash in the form of a deposit directly into your ACU chequing or savings account.

Have questions? We're here to help.

Whether you're looking for more information or need guidance on your next financial move, our team is ready to support you. Reach out and let us know how we can assist.

* The Collabria Visa Card is issued by Collabria Financial Services Inc. pursuant to a license from Visa
1. 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
2. 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. Insurance coverage is subject to change.
3. Insurance coverage is underwritten by Desjardins Financial Security Life Assurance Company. Details of insurance coverage, including number of days of coverage, definitions, benefits, limitations and exclusions are in the Travel Insurance Contract. Please visit collabriacreditcards.ca/insurance for complete details. Insurance coverage is subject to change.

A credit card that works for you