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New to Canada
Credit cards

Newcomers to Canada

Begin your journey in Canada and take the first steps to build your credit history.

Discover the path to establishing a solid credit history in Canada with the support of Prospera. Effortlessly apply for a new credit card and enjoy earning rewards with everyday purchases.

Choose a credit card that works for you

Featured Card

Featured card

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.

Includes mobile device insurance, fraud protection and purchase protection insurance.

Cash Back Visa*

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

Learn more

Centra Visa* Gold

Keep costs in check with our lowest interest rate.

Learn more

Need help choosing the right card?

Let us guide you through the process of finding the card that best fits your needs.

Find a card

Applying for a credit card under the New to Canada program

To apply, you will need to provide essential information about yourself, including:

  • Legal name and date of birth
  • Contact information and address
  • Social insurance number (if available)
  • Employment status Household income
  • Proof of immigration status

Ready to apply for a credit card? Book an appointment online or visit your nearest Prospera branch, where we can discuss your options in person.

What you need to qualify for the New to Canada program

To qualify, you must be: 

  • The age of majority in BC (19 years or older) 
  • A Prospera member 
  • A new immigrant to Canada, which includes: 
    • International students 
    • Federal skilled workers 
    • Members under a provincial immigration program 

Applications for the New to Canada Program must be submitted in person. To book an appointment, click here, or find your nearest branch here.

Begin building your credit with confidence

Credit Card
Get a credit card and start using it regularly
Pay on time
Make sure you always pay your bill on time
Select Icon
Pay your bill in full, whenever possible
Credit Score
Ensure you understand your credit score

Frequently asked questions

A credit card allows you to make purchases on credit, which you'll need to pay back later, either in full or in installments. It's a convenient payment tool widely accepted by merchants.
  • A credit score is a numerical representation of your credit worthiness. It's used by lenders to assess your credit risk when you apply for loans or credit cards. 
  • The main factors involved in calculating your credit score include: 
    • Your payment history 
    • Your used credit versus your available credit 
    • The length of your credit history 
    • Public records including bankruptcy filings 
    • Number of inquiries into your credit file
  • To learn more about credit scores and how you can build yours, click here
A credit card limit is the maximum amount of money you can spend on your credit card. It's determined by the credit card issuer based on your credit worthiness and financial situation.
To build your credit as a newcomer, start by getting a credit card, making small purchases and paying off your balance in full and on time each month. Over time, this responsible credit behaviour will help improve your credit score.
Having a credit card offers several benefits, including convenience for purchases, building credit history and providing a safety net for emergencies. It also allows you to earn rewards or cash back on eligible transactions. However, responsible usage is essential to avoid debt and maintain a healthy credit score.

Ready to apply for a credit card?

Our team of experts will assist you in finding the ideal card tailored to your unique goals and needs.

Book an appointment Find a branch

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.