Earn cash rewards on everyday purchases!

Shopping? Dining out?
Filling up your gas tank?
Earn cash back every time you use your Cash Back Visa* Card!

Apply Now
Enjoy no annual fee
Pay with your phone
Redeem points for merchandise, travel rewards, gift cards, and more
Earn cash rewards
Transfer cash rewards directly to your bank account
Take advantage of our 5.9% balance transfer offer

Is this the right card for me?

Is your monthly spending consistent but your savings aren’t? Earn cashback rewards on everyday purchases with our Cash Back Visa* Card.

The Benefits

Save on fees

Our Innovation Cash Back Visa* card has no annual fee. Earn points and cash rewards without paying a dime!

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Shop and earn cash

Our Cash Back Visa* card has earned its name. Buy groceries, fill up your gas tank, dine out with friends, and redeem your points for cash!

Pay safely using your phone

Mobile payments have never been easier. Use Apple Pay, Google Pay, or Samsung Pay for Visa to pay as you go, anytime, anywhere!


Save time redeeming points

Deposit your cash rewards directly into your chequing or savings account.

Enjoy endless rewards options

Yes, we offer cash rewards. But you can also redeem your points for travel rewards, merchandise, gift cards, and donating to your favourite charities.


Transfer to us and save

If you transfer a credit card balance to your new Innovation Visa card, you’ll only pay 5.9% interest for 6 months!

The Rewards

Earn. Redeem. Repeat! Choose from:

  • Over 60,000 top-selling merchandise items, including products from Best Buy catalogue
  • Gift cards from over 60 of Canada’s top retailers
  • Cash rewards directly deposited into a chequing or savings account of your choice
  • Exclusive travel experiences including private vacation rentals, hotel accommodation, flights, and more
  • Electronic gift cards from that supports 86,000 local and national charities across Canada.

Where can I use my rewards points?

You can redeem your reward points across an exciting range of products and services.









Flight tickets


Hotel bookings

Eligibility to apply for a Cash Back Visa* Card

Proof of age

You must be 18 years of age or older

Proof of residence

You must be a Canadian resident

Join the 43,000+ Canadians who pay no fees!

I have been using Innovation’s No-Fee Bank Account for years. The app is so convenient and easy to use!

Jalissa Klippenstein
Calgary, AB

There are no conditions with this account.
I can just bank and know it’s free!

Reagan Martin
Saskatoon, SK

More reasons to bank with us!


Our No-Fee Bank Account has no monthly fees and no minimum balance requirement. So you can save as much as $360/ year in bank fees.


You earn cash dividends simply by doing your everyday banking with us. The more you bank with us, the more you benefit. 


Your business helps us support your community in the form of scholarships, sponsorships and grants. We allocate 2% to 4% of pre-tax profits every year to our communities.

Customer Support

24/7 Cardholder Service


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Report Lost or Stolen Card


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Collabria Financial Services Inc. (“Collabria”) is an independent entity from your credit union with no ownership interest in the other. If you choose to obtain Collabria credit card services through a referral from your credit union, it will receive compensation from Collabria. The Collabria Visa Card is issued by Collabria Financial Services Inc. pursuant to a license from Visa. *Trademark of Visa Int., used under license.

The Collabria Visa Card is issued by Collabria Financial Services Inc. pursuant to a license from Visa. *Trademark of Visa Int., used under license.