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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 rewards 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 credits.

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 shopping
  • Want fraud, purchase, and mobile device protection
What it costs
  • Annual fee: $50
  • Additional card fee: $10
  • Interest rate on purchases: 12.99%
What you get
  • 1 point for every dollar spent
  • Zero liability fraud protection
  • 90-day purchase protection
  • Double the manufacturer’s warranty (up to one year)
  • Mobile device insurance
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 mycardinfo

Explore all credit cards

Visa* Infinite

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

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 rewards.

US Dollar Visa*

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

1. Rewards: 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

2. Travel Insurance: 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 for complete details. Insurance coverage is subject to change.

3. Mobile Device Insurance, Purchase protection, Auto Rental Collision/Loss Damage Insurance: 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 Insurance coverage is subject to change.

4. 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 aunauthorized transactions if: a) you have used resonable care in protecting your card from loss or theft; and b) 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 stolen

If you believe there has been unauthorized use on your account and you meet the conditions above, you are protected by Zero Liability. If you do not meet the conditions above, please reference your Cardholder Agreement for additional information regarding liability.