^Rewards

The Cash Back Visa Infinite card unlocks maximum rewards on your everyday purchases. 

• Earn 4 points for every $1 spent on Grocery and Sustainable Transit¹
• Earn 2 points for every $1 spent on Select Recurring Bills, Digital Streaming, and Dining²
• Earn 1 point for every $1 spent on all other purchases
   

To earn the rate in each category, eligible purchases must be made with merchants assigned to that category. Categories are assigned based on merchant category codes (MCC) set by Visa. The payment networks assign each merchant to one MCC, even if they offer a variety of products and services. For example, gas stations, grocery stores and drug stores all sell several different products, but all purchases from these merchants - regardless of the type of product - are always categorized under the merchants MCC. Collabria doesn't control the merchant categories that Visa sets. Depending on the card, earning categories may include: 

Sustainable Transit: commuter passenger transportation (local and suburban), taxis, limousines, buses and electrical vehicle charging stations (codes 4111,4121, 4131, 4789, 5552); 

Select Recurring Bills⁺ & Digital Streaming: telecommunication services including but not limited to local and long-distance calls; cable satellite; other paid television/radio/streaming services; record shops; digital goods - media, books, games, applications (excluding games) and large digital goods merchants; direct marketing - continuity/subscriptions merchant; DVD/Video tape rental stores; and video game arcades/establishments (codes 4814, 4816, 4899, 5735, 5815, 5816, 5817, 5818, 5968, 7841, 7994);

Gas: service stations with or without ancillary services; automated fuel dispensers (codes 5541, 5542);

Entertainment: movie picture theatres, theatrical productions and ticket agencies; bands (concerts), orchestra, tourist attractions and exhibits; amusement parks; circuses; carnivals; aquariums; cable; satellite; and other pay television/radio/streaming services (codes 7832, 7922, 7929, 7991, 7996, 7998, 4899);

Dining: eating places, restaurants, fast-food restaurants (codes 5812, 5814);

Grocery: grocery stores and supermarkets (code 5411). 

Collabria cannot guarantee the category set for each merchant or that merchant you purchase from has the eligible MCC. Collabria can only award rewards or cash back on eligible purchases based on the merchant's MCC. Rewards and cash back earned are subject to certain conditions.

+Note: Select recurring bills and digital streaming are defined as payments made monthly and automatically billed by the merchant to your Cash Back Visa Infinite by the merchant. Not all ongoing payments will be considered recurring bills and therefore may not earn bonus rewards. This includes bills and subscription payments such as: cell phone bills & phone services (telecommunication services), streaming services (video or music), digital downloads, cable, satellite, and other pay television/radio/streaming services.

^Insurance

Emergencies happen. Things break. Your card includes extra benefits to help you get the assistance you need around the clock and around the world.

• Emergency Health Care Coverage - 15 days, under 65 yrs, including intergenerational coverage¹
• Baggage Coverage - 15 days, under 65 yrs - up to $500¹
• 24/7 Travel Assistance¹
• Auto Rental Collision/Loss Damage Insurance for vehicles rented up to 48 consecutive days²
• 90 days purchase protection on eligible purchases made with your card²
• Double the manufacturer's warranty (up to one year) on eligible purchases made with your card²
• Mobile Device Insurance - up to $1,000 of coverage²

¹ Insurance coverage is underwritten by Desjardins Financial Security Life Assurance Company. For details of the coverage, refer to your insurance contract here. Some conditions and restrictions apply. Insurance coverage is subject to change.

² Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries, and affiliates carry on business in Canada under the trade name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc. Details of insurance coverage, including eligibility, limitations and exclusions, are in the Certificate of Insurance. The Certificate of Insurance is available online here. Insurance coverage is subject to change. If you are an existing Collabria Cardholder you can file a claim or check your claim status here.

File a claim or check your claim status

For Travel Insurance, call Desjardins at 1-800-463-1623 toll free from Canada and the United States, collect at 418-647-5299 from anywhere in the world.

For all other insurance, click "File a Claim".

^®The Collabria Visa card is issued by Collabria Financial Services Inc. pursuant to a license from Visa.

*Trademark of Visa Int., used under license.

^®Collabria trademark is a property of Collabria Financial Services Inc.

^{Offer Details}

Simplify your finances with 0% interest on Balance Transfers for 9 months.

Pay 0% interest for the first 9 months when you transfer your existing credit card balances for a one-time transfer fee of 2%. This offer is available from January 1, 2025 and expires on June 30, 2025. *Click here to view the offer Terms and Conditions.

Whether you prefer maximizing everyday purchases with valuable rewards or taking advantage of travel perks, you get to choose the card that fits your lifestyle.

Receive a $120 Annual Fee rebate for the first year and earn up to 10,000 Flex Rewards points when you’re approved for one of the eligible cards below by April 30, 2025. ^*Click here to view the offer terms and conditions