Prospera is applying to continue federally for the purposes of immediately merging with Coast Capital and Sunshine Coast credit unions. Find out more here.
For full details about changes in deposit insurance, see the Notice Pursuant to the Disclosure on Continuance Regulations.
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Prospera offers a range of credit cards to meet your needs.


No interest, no worries

Easily transfer your balance and enjoy 0% interest for 12 months so you can pay down your debt and enjoy a stress-free summer.*
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 12 months*.

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

Ready to transfer a balance to your Prospera credit card?

Follow the steps below to get started. Don’t have a Prospera credit card yet? Apply online or visit a branch today—once approved, you can take advantage of this great balance transfer offer.

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

Apply for a new credit card

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. 


Here’s how much you can save2


2 This graphic is for illustrative purposes only. The results in the graph are an estimate of how much you can save when you make a balance transfer, not an exact number. Actual interest cost and your potential savings depend on outstanding balances, payment amounts, timing and other factors.
 

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

The cost comparison is based on interest accumulated over a 12-month period on a $6,000 Balance Transfer at the promotional Balance Transfer rate of 0.00% plus a 3% Balance Transfer Fee of $180 on the $6,000 Balance Transfer amount, and assumes that the Propsera credit card account does not have an existing balance at the time this offer is accepted, that only the minimum payment is made each month, and that no other transactions are posted to the credit card account during that 12 month period.

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.