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Credit Card Balance Transfer


No interest, no worries

Pay down your debt with 0% interest for 9 months on balance transfers*
Terms and conditions apply. A 3% balance transfer fee applies.
 

Paying down credit card debt just got a lot easier!


Transfer your credit card balance to a new or existing Prospera credit card and enjoy a 0% interest rate for 9 months*.

  • Save money on interest1
  • Pay down credit card debt faster
  • Simplify your personal finances

Ready to transfer your balance?

Here are the steps to get started. If you already have a Prospera credit card, you can request a balance transfer right away. If not, you’ll need to apply for a card first—and you can complete your balance transfer once approved.

In the CardWise app: 

  • Log in and scroll down to the “Manage Card” section. 
  • Tap “Balance Transfer” and follow the steps. 

Download the CardWise app here:


In CardWise online:


  • Log in and navigate to the “Manage Card” section
  • Tap “Balance Transfer” and follow the steps.

Log in to CardWise

Not a Prospera member yet?

Prospera credit cards and offers are exclusively available to members.

If you’re not a member yet, our advisors can help you join Prospera, choose the right credit card, and complete your balance transfer—all in one conversation. To get started, call our Member Service Centre at 1 888 440 4480 or book an appointment with an advisor. Already a member? You can proceed right away.

Don’t have a Prospera credit card yet?

Click the button below to view and compare all of our available credit cards to find what suits you best.

Not sure what credit card to pick? Try our credit card selector. 


Prefer to talk to someone?

If you’d rather complete your balance transfer with help, we’re happy to assist.

You can:

  • Call cardholder services at 1 855 341 4643 to complete your balance transfer over the phone
  • Meet with a Prospera advisor to review your options and get support at any step


Call cardholder services Book an appointment

 

Frequently asked questions

A credit card balance transfer is a process that involves moving existing credit card debt from one card to another. This is often done to consolidate multiple debts into a single card or to manage debt more effectively. It allows individuals to shift their balance from one credit card to another, which might help in simplifying payments and potentially reducing overall interest charges.
The minimum balance transfer amount a cardholder can initiate is $500 and the maximum is $7,500. To initiate balance transfers of amounts greater than $7,500, cardholders can visit their branch or contact Collabria’s Cardholder Services at 1 855 341 4643.
Yes, you can transfer balances from more than one card as long as the combined transfer amounts, plus the fees, do not exceed the unused portion of the credit limit available on the receiving credit card account.
The 3% fee will be charged to the receiving credit card account. For example, if a cardholder completes a balance transfer for $1,000, then the charge on the receiving account will be $1,030 (the $1,000 transfer plus the 3% transfer fee of $30).

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

Fill out our contact form

Meet online or in person

Book an appointment


View branch locations or find an ATM

*Offer terms and conditions apply. Visit here for more details.

1 The interest rates are in effect from the date the credit card is approved. For more information, please reference your cardholder agreement or visit online www.collabriacreditcards.ca/cardholder-agreement

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.