Canada · October 2026
Best Collabria Flex Rewards credit cards in Canada
Cards that earn Collabria Flex Rewards, ranked by estimated net annual value (points valued at 1¢ CAD each). All amounts are in Canadian dollars.
33 collabria flex rewards cards ranked
Earns 4 points per $1 (4%) on grocery and sustainable transit, 2 on select recurring bills, digital streaming and dining, and 1 on other purchases, redeemable as cash back.
Earn: base 1% · groceries 4% · dining 2% · everyday 1%
- Annual fee
- $120 ($120 annual fee; $50 additional card)
- Est. net value / yr
- $468
- Welcome offer
- 0% balance transfer 9 months, first-year annual fee rebate and up to 10,000 Flex Rewards welcome points (terms apply)
- Purchase rate
- 20.99% fixed
- Balance transfers
- 0% for 9 months on balance transfers (terms apply)
- Foreign transaction fee
- 2.5%
Earns 4 points per $1 on grocery and sustainable transit, 2 on select recurring bills, digital streaming and dining ($20K caps) and 1 on everything else, with travel insurance.
Earn: base 1% · groceries 4% · dining 2% · everyday 1%
- Annual fee
- $120 ($120 annual fee)
- Est. net value / yr
- $468
- Welcome offer
- $200 statement credit for new members
- Purchase rate
- 20.99% fixed
- Foreign transaction fee
- 2.5%
Earns 4 points per $1 (4%) on grocery and sustainable transit, 2 on select recurring bills, digital streaming and dining, and 1 on other purchases, redeemable as cash back.
Earn: base 1% · groceries 4% · dining 2% · everyday 1%
- Annual fee
- $120 ($120 annual fee; $50 additional card)
- Est. net value / yr
- $468
- Purchase rate
- 20.99% fixed
- Foreign transaction fee
- 2.5%
Earns 4 points per $1 (4%) on grocery and sustainable transit, 2 on select recurring bills, digital streaming and dining, and 1 on other purchases, redeemable as cash back.
Earn: base 1% · groceries 4% · dining 2% · everyday 1%
- Annual fee
- $120 ($120 annual fee; $50 additional card)
- Est. net value / yr
- $468
- Purchase rate
- 20.99% fixed
- Balance transfers
- 0% for 9 months on balance transfers (terms apply)
- Foreign transaction fee
- 2.5%
Earns 4 points per $1 (4%) on grocery and sustainable transit, 2 on select recurring bills, digital streaming and dining, and 1 on other purchases, redeemable as cash back.
Earn: base 1% · groceries 4% · dining 2% · everyday 1%
- Annual fee
- $120 ($120 annual fee; $50 additional card)
- Est. net value / yr
- $468
- Purchase rate
- 20.99% fixed
- Foreign transaction fee
- 2.5%
Premium travel-oriented card earning 3 points per $1 on grocery, 2 on dining and entertainment and 1 on everything else, with travel insurance.
Earn: base 1 pts · groceries 3 pts · dining 2 pts · everyday 1 pts
- Annual fee
- $120 ($120 annual fee; $50 additional card)
- Est. net value / yr
- $384
- Welcome offer
- 0% balance transfer 9 months, first-year annual fee rebate and up to 10,000 Flex Rewards welcome points (terms apply)
- Purchase rate
- 20.99% fixed
- Balance transfers
- 0% for 9 months on balance transfers (terms apply)
- Foreign transaction fee
- 2.5%
Earns 3 points per $1 on groceries ($20K cap), 2 on dining and entertainment ($15K cap) and 1 on everything else, with travel and purchase insurance.
Earn: base 1 pts · groceries 3 pts · dining 2 pts · everyday 1 pts
- Annual fee
- $120 ($120 annual fee)
- Est. net value / yr
- $384
- Welcome offer
- $200 statement credit for new members
- Purchase rate
- 20.99%
- Foreign transaction fee
- 2.5%
Premium travel-oriented card earning 3 points per $1 on grocery, 2 on dining and entertainment and 1 on everything else, with travel insurance.
Earn: base 1 pts · groceries 3 pts · dining 2 pts · everyday 1 pts
- Annual fee
- $120 ($120 annual fee; $50 additional card)
- Est. net value / yr
- $384
- Purchase rate
- 20.99% fixed
- Foreign transaction fee
- 2.5%
Premium travel-oriented card earning 3 points per $1 on grocery, 2 on dining and entertainment and 1 on everything else, with travel insurance.
Earn: base 1 pts · groceries 3 pts · dining 2 pts · everyday 1 pts
- Annual fee
- $120 ($120 annual fee; $50 additional card)
- Est. net value / yr
- $384
- Purchase rate
- 20.99% fixed
- Balance transfers
- 0% for 9 months on balance transfers (terms apply)
- Foreign transaction fee
- 2.5%
Premium travel-oriented card earning 3 points per $1 on grocery, 2 on dining and entertainment and 1 on everything else, with travel insurance.
Earn: base 1 pts · groceries 3 pts · dining 2 pts · everyday 1 pts
- Annual fee
- $120 ($120 annual fee; $50 additional card)
- Est. net value / yr
- $384
- Purchase rate
- 20.99% fixed
- Foreign transaction fee
- 2.5%
Business Visa Infinite earning 1.5 points per $1 on business purchases, with travel and purchase insurance and expense tools.
Earn: base 1.5 pts · everyday 1.5 pts
- Annual fee
- $130 ($130 annual fee; $50 additional card)
- Est. net value / yr
- $320
- Welcome offer
- 0% balance transfer 9 months, first-year annual fee rebate and up to 10,000 Flex Rewards welcome points (terms apply)
- Purchase rate
- 20.99% fixed
- Foreign transaction fee
- 2.5%
Business World earning 1.5 points per $1 on business purchases, with travel and purchase insurance and expense tools.
Earn: base 1.5 pts · everyday 1.5 pts
- Annual fee
- $130 ($130 annual fee; $50 additional card)
- Est. net value / yr
- $320
- Purchase rate
- 20.99% fixed
- Foreign transaction fee
- 2.5%
Business Visa Infinite earning 1.5 points per $1 on business purchases, with travel and purchase insurance and expense tools.
Earn: base 1.5 pts · everyday 1.5 pts
- Annual fee
- $130 ($130 annual fee; $50 additional card)
- Est. net value / yr
- $320
- Purchase rate
- 20.99% fixed
- Foreign transaction fee
- 2.5%
Business Visa Infinite earning 1.5 points per $1 on business purchases, with travel and purchase insurance and expense tools.
Earn: base 1.5 pts · everyday 1.5 pts
- Annual fee
- $130 ($130 annual fee; $50 additional card)
- Est. net value / yr
- $320
- Purchase rate
- 20.99% fixed
- Foreign transaction fee
- 2.5%
Low-rate rewards card earning 1 point per $1 on everyday purchases with a 12.99% fixed purchase rate.
Earn: base 1 pts · everyday 1 pts
- Annual fee
- $50 ($50 annual fee; $10 additional card)
- Est. net value / yr
- $250
- Purchase rate
- 12.99% fixed
- Balance transfers
- 0% for 9 months on balance transfers (terms apply)
- Foreign transaction fee
- 2.5%
Low-rate rewards card with a 12.99% rate and 1 point per $1 on all purchases.
Earn: base 1 pts · everyday 1 pts
- Annual fee
- $50 ($50 annual fee)
- Est. net value / yr
- $250
- Welcome offer
- $100 statement credit for new members
- Purchase rate
- 12.99%
- Foreign transaction fee
- 2.5%
Low-rate rewards card earning 1 point per $1 on everyday purchases with a 12.99% fixed purchase rate.
Earn: base 1 pts · everyday 1 pts
- Annual fee
- $50 ($50 annual fee; $10 additional card)
- Est. net value / yr
- $250
- Purchase rate
- 12.99% fixed
- Foreign transaction fee
- 2.5%
Low-rate rewards card earning 1 point per $1 on everyday purchases with a 12.99% fixed purchase rate.
Earn: base 1 pts · everyday 1 pts
- Annual fee
- $50 ($50 annual fee; $10 additional card)
- Est. net value / yr
- $250
- Purchase rate
- 12.99% fixed
- Balance transfers
- 0% for 9 months on balance transfers (terms apply)
- Foreign transaction fee
- 2.5%
Low-rate rewards card earning 1 point per $1 on everyday purchases with a 12.99% fixed purchase rate.
Earn: base 1 pts · everyday 1 pts
- Annual fee
- $50 ($50 annual fee; $10 additional card)
- Est. net value / yr
- $250
- Purchase rate
- 12.99% fixed
- Foreign transaction fee
- 2.5%
No-fee card earning 1 point per $1 (1%) on grocery, gas, sustainable transit, select recurring bills and digital streaming, and 0.5 points per $1 on all other purchases, redeemable as account credit.
Earn: base 0.5% · groceries 1% · gas 1% · everyday 0.5%
- Annual fee
- $0 (No annual fee)
- Est. net value / yr
- $204
- Purchase rate
- 20.99% fixed
- Balance transfers
- 0% for 9 months on balance transfers (terms apply)
- Foreign transaction fee
- 2.5%
No-fee card earning 1 point per $1 on groceries, gas, sustainable transit, select recurring bills and digital streaming ($5,000 annual cap per group), and 0.5 points per $1 on everything else.
Earn: base 0.5% · groceries 1% · gas 1% · everyday 0.5%
- Annual fee
- $0 (No annual fee)
- Est. net value / yr
- $204
- Welcome offer
- $100 statement credit for new members
- Purchase rate
- 20.99%
- Foreign transaction fee
- 2.5%
No-fee card earning 1 point per $1 (1%) on grocery, gas, sustainable transit, select recurring bills and digital streaming, and 0.5 points per $1 on all other purchases, redeemable as account credit.
Earn: base 0.5% · groceries 1% · gas 1% · everyday 0.5%
- Annual fee
- $0 (No annual fee)
- Est. net value / yr
- $204
- Purchase rate
- 20.99% fixed
- Foreign transaction fee
- 2.5%
No-fee card earning 1 point per $1 (1%) on grocery, gas, sustainable transit, select recurring bills and digital streaming, and 0.5 points per $1 on all other purchases, redeemable as account credit.
Earn: base 0.5% · groceries 1% · gas 1% · everyday 0.5%
- Annual fee
- $0 (No annual fee)
- Est. net value / yr
- $204
- Purchase rate
- 20.99% fixed
- Balance transfers
- 0% for 9 months on balance transfers (terms apply)
- Foreign transaction fee
- 2.5%
No-fee card earning 1 point per $1 (1%) on grocery, gas, sustainable transit, select recurring bills and digital streaming, and 0.5 points per $1 on all other purchases, redeemable as account credit.
Earn: base 0.5% · groceries 1% · gas 1% · everyday 0.5%
- Annual fee
- $0 (No annual fee)
- Est. net value / yr
- $204
- Purchase rate
- 20.99% fixed
- Foreign transaction fee
- 2.5%
No-fee business card earning cash back on regular business purchases: 1 point per $2 spent.
Earn: base 0.5% · everyday 0.5%
- Annual fee
- $0 (No annual fee)
- Est. net value / yr
- $150
- Purchase rate
- 19.99% fixed
- Foreign transaction fee
- 2.5%
US-dollar Visa earning 1 point per US$2 spent, with no foreign transaction fees on US purchases.
Earn: base 0.5 pts · everyday 0.5 pts
- Est. net value / yr
- $150
- Purchase rate
- 20.99% fixed
- Foreign transaction fee
- Not stated
US-dollar Mastercard earning 1 point per US$2 on all purchases, with no foreign transaction fees on US purchases.
Earn: base 0.5 pts · everyday 0.5 pts
- Est. net value / yr
- $150
- Purchase rate
- 20.99%
- Foreign transaction fee
- Not stated
- #28
Conexus No Fee Cash Back Business Mastercard Conexus Credit Union (Collabria Mastercard)
Net $150/yrNo-fee business card earning cash back on regular business purchases: 1 point per $2 spent.
Earn: base 0.5% · everyday 0.5%
- Annual fee
- $0 (No annual fee)
- Est. net value / yr
- $150
- Purchase rate
- 19.99% fixed
- Foreign transaction fee
- 2.5%
US-dollar Mastercard earning 1 point per US$2 spent, with no foreign transaction fees on US purchases.
Earn: base 0.5 pts · everyday 0.5 pts
- Est. net value / yr
- $150
- Purchase rate
- 20.99% fixed
- Foreign transaction fee
- Not stated
No-fee business card earning cash back on regular business purchases: 1 point per $2 spent.
Earn: base 0.5% · everyday 0.5%
- Annual fee
- $0 (No annual fee)
- Est. net value / yr
- $150
- Purchase rate
- 19.99% fixed
- Foreign transaction fee
- 2.5%
US-dollar Visa earning 1 point per US$2 spent, with no foreign transaction fees on US purchases.
Earn: base 0.5 pts · everyday 0.5 pts
- Est. net value / yr
- $150
- Purchase rate
- 20.99% fixed
- Foreign transaction fee
- Not stated
No-fee business card earning cash back on regular business purchases: 1 point per $2 spent.
Earn: base 0.5% · everyday 0.5%
- Annual fee
- $0 (No annual fee)
- Est. net value / yr
- $150
- Purchase rate
- 19.99% fixed
- Foreign transaction fee
- 2.5%
US-dollar Mastercard earning 1 point per US$2 spent, with no foreign transaction fees on US purchases.
Earn: base 0.5 pts · everyday 0.5 pts
- Est. net value / yr
- $150
- Purchase rate
- 20.99% fixed
- Foreign transaction fee
- Not stated
Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.
How these cards are ranked
Rankings are by the numbers only: no issuer can pay to be listed, left out or ranked higher. For rewards cards we estimate net annual value in Canadian dollars: rewards earned on a reference household budget of $30,000 a year ($8,400 groceries, $3,600 dining, $2,400 gas, $3,600 travel, $12,000 everything else) at the earn rate the issuer states for each category, with points valued at the cents-per-point on our Canadian point values page, minus the annual fee. Welcome bonuses are shown separately and not counted. A card whose issuer page does not state an earn rate is not given a value. Every figure was read on the issuer’s own website; see our Canada methodology.
Frequently asked questions
Which is the best collabria flex rewards credit card in Canada?
By our ranking rule, Alterna Cash Back Visa Infinite Card from Alterna Savings (Collabria Visa) currently ranks first at an estimated $468 net a year. The right card depends on your own spending, so check the issuer’s terms before applying.
How do you calculate the ranking?
We estimate rewards on a reference budget of $30,000 a year, value points at the cents per point on our Canadian point values page, and subtract the annual fee. Welcome bonuses are not included.
Are these cards available in Quebec?
Availability can differ by province. Each card page shows whether the issuer states that it is offered in Quebec; where the issuer does not say, we show “not stated”.
Do I need a minimum income?
Many rewards cards state a minimum personal or household income. Each card shows the figure the issuer states, or “not stated”.
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