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Canada · personal card · Alterna Savings (Collabria Visa)

Alterna Visa Classic Card review

Low-rate Visa with a 13.99% fixed purchase rate and a basic insurance package; no points earned.

By · Card data read October 7, 2026 · How we rank Canadian cards

Apply on issuer siteTerms apply
Alterna Visa Classic Card

Key facts

Issuer
Alterna Savings (Collabria Visa)
Network
Visa
Annual fee
$20 ($20 annual fee)
Purchase rate
13.99% fixed
Cash advance rate
13.99%
Balance transfers
0% for 9 months on balance transfers (terms apply)
Foreign transaction fee
2.5%
Minimum personal income
Not stated
Minimum household income
Not stated
Available in Quebec
Not stated
Insurance
Purchase Protection (90 days); Extended Warranty; Mobile Device Insurance

Perks

Hertz, Thrifty and Dollar rental discounts; Zero Liability

How we put this page together

Every figure here was read on Alterna Savings (Collabria Visa)’s own page on October 7, 2026; fields the page did not state are shown as “not stated” rather than estimated. The net value estimate uses the method on our Canada methodology. Card rules and your rights as a cardholder: FCAC. Note: Alterna Visa cards are issued by Collabria Financial Services (details read on collabriacreditcards.ca affiliate_alterna pages linked from alterna.ca/en/personal/borrowing/credit-cards). Alterna page promo: 0% balance transfer for 9 months, first-year annual fee rebate and up to 10,000 Flex Rewards welcome points on eligible Visa Infinite, Cash Back Visa Infinite and Visa Infinite Business cards (terms apply). FX fee read on issuer document: https://www.collabriacreditcards.ca/webres/File/Product/App%20Disclosures%20Nov%202%202020/Important%20Notice%20App%20Disclosure.pdf

Frequently asked questions

What is the annual fee on the Alterna Visa Classic Card?

$20 ($20 annual fee), as read on Alterna Savings (Collabria Visa)’s website on October 7, 2026.

Is there a foreign transaction fee on the Alterna Visa Classic Card?

The issuer states a 2.5% foreign currency conversion fee.

What income do I need for the Alterna Visa Classic Card?

The issuer’s page did not state a minimum income when we read it.

More Alterna Savings (Collabria Visa) cards

  1. #1

    Alterna Cash Back Visa Infinite Card Alterna Savings (Collabria Visa)

    Net $468/yr

    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%
    Apply on issuer siteCard detailsRead October 7, 2026
  2. #2

    Alterna Cash Back Visa Card Alterna Savings (Collabria Visa)

    Net $204/yr

    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%
    Apply on issuer siteCard detailsRead October 7, 2026
  3. #3

    Alterna Centra Visa Gold Card Alterna Savings (Collabria Visa)

    Net $250/yr

    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%
    Apply on issuer siteCard detailsRead October 7, 2026
  4. #4

    Alterna Visa Infinite Card Alterna Savings (Collabria Visa)

    Net $384/yr

    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%
    Apply on issuer siteCard detailsRead October 7, 2026

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.