Personal banking
Start building credit and earn $50 with a new Prospera credit card!*
Available to Prospera members between the ages of 19 and 24*.
Building credit just got more rewarding
Having a credit card is a great way to build your credit score and gain the skills you need to manage money effectively, especially as a young adult. Plus, you’ll earn a $50 statement credit* once you’re approved and start using your card.
Build credit
Start building your credit history responsibly.
Rewards program**
Earn points1 on every purchase you make.
Security features
Enhanced security with fraud protection2 and alerts.
Easy to manage
Effortlessly manage your card using your smartphone.
Choose a card with perks that matter to you!
We have a variety of different credit cards that offer different features and benefits such as everyday low interest rates, cash back, travel benefits3, no annual fees and more!No fee and cash back
Choose this card if you:
- Want to earn cash back on your purchases
- Don't want to pay an annual fee
Premium rewards and benefits
Choose this card if you:
- Want to earn extra points on everything you buy
- Love to travel frequently
Low interest and rewards
Choose this card if you:
- Often carry a balance on your card
- Like earning cash back for shopping
No fee and low interest
Choose this card if you:
- Don’t want to pay for extra features
- Sometimes carry a balance on your card
Managing Your Card with CardWise
With the CardWise platform, you can easily manage your payments, get enhanced transaction details, view spending insights, enable alerts and more—all from your computer or smartphone.Frequently asked questions
What is the age requirement?
To qualify for this offer, members must be between 19-24 years old.
When does the offer end?
The offer is valid until November 30, 2024.
How do I get the $50 statement credit?
- Be approved between June 17 and November 30, 2024
- Be activated between June 17 and December 15, 2024
- Cardholder must complete a first purchase between June 17 and December 15, 2024
- Cardholder must register for eStatements through CardWise between June 17 and December 15, 2024
- Application is subject to approval by Collabria Financial Services, Inc.
When will I get my $50 credit?
The $50 statement credit will be credited to qualified accounts within two (2) statement cycles after December 15, 2024, as long as the card remains in good standing.
Can I manage my card online?
Yes, online at cardwiseonline.ca or via the CardWise Mobile app in the Apple App Store or Google Play Store.
How to reach us
Call our Member Service Centre
Contact tech support
Available 24/7
1 888 884 4430
Send a support email
Send us an email
Meet online or in person
Terms and conditions
*Offer terms and conditions apply
** Terms & conditions apply. Visit https://reward-headquarters.com/groupCollabriaNational/home for more details.
1 Reward points are earned on net purchases only. Any Cash-like Transactions including Cash Advances, Balance Transfers, 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 collabriacreditcards.ca/rewards
2 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 unauthorized transactions if:
You have used reasonable care in protecting your card from loss or theft; and
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 lost or stolen.
If you believe there has been unauthorized use on your account and you meet the conditions above, you are protected by Zero Liability.
3 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 collabriacreditcards.ca/insurance for complete details. Insurance coverage is subject to change.
** Terms & conditions apply. Visit https://reward-headquarters.com/groupCollabriaNational/home for more details.
1 Reward points are earned on net purchases only. Any Cash-like Transactions including Cash Advances, Balance Transfers, 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 collabriacreditcards.ca/rewards
2 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 unauthorized transactions if:
You have used reasonable care in protecting your card from loss or theft; and
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 lost or stolen.
If you believe there has been unauthorized use on your account and you meet the conditions above, you are protected by Zero Liability.
3 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 collabriacreditcards.ca/insurance for complete details. Insurance coverage is subject to change.