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Prospera offers a range of credit cards to meet your needs.
Personal banking

Compare credit cards

What do you want from your credit card? Cash back? Travel rewards? No-frills convenience? We have a card for every need.

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.

  • Annual fee: $120.
  • Interest rate on purchases: 20.99%.
  • Points for every dollar spent: 3 for groceries, 2 for dining and entertainment, 1 for everything else.1

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.

  • Annual fee: $0.
  • Interest rate on purchases: 12.99%.
  • Includes mobile device insurance3, fraud protection4 and purchase protection insurance2.

Cash Back Visa*

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

  • Annual fee: $0.
  • Interest rate on purchases: 19.99%.
  • Earn cash rewards1
  • Mobile device insurance3
Low rate

Centra Visa* Gold

Keep costs in check with our lowest interest rate. You can redeem points for cash rewards, plus you get mobile device insurance, fraud protection, and purchase protection insurance.

  • Annual fee: $50.
  • Interest rate on purchases: 11.99%.
  • Points for every dollar spent: 1 for everything.1
US dollar

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.

  • Annual fee: $50.
  • Interest rate on purchases: 19.99%.
  • Points for every US dollar spent: 0.5 for everything.1

Looking for a Business credit card?      Click here

If you own a business and are looking for a card with great perks, these may be right for you.

Meet our credit card partner

You can choose from a full range of credit card options thanks to our partnership with Collabria®. Call them 24/7 if you need help with your card. They also make it easy to access your account information online through MYCardInfo and provide round-the-clock fraud monitoring and protection services.

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Enjoy personalized service when you bank with your local Prospera Credit Union.

Receive up to 15,000 Welcome Points when you sign up for a new credit card

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Enjoy peace of mind with a no-fee 3.9% balance transfer

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Get flexibility and save interest with a personal line of credit.

Personal borrowing

Personal line of credit

If you regularly carry a balance on your credit card, consider a line of credit. You’ll pay a much lower interest rate and it’s more flexible.

More details Talk to an advisor

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.