Canada · October 2026
Alterna Savings (Collabria Visa) credit cards
9 cards, ranked by estimated net annual rewards value where the issuer states earn rates.
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%
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%
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%
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%
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 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
- #8
Alterna Low Rate Visa Business Card Alterna Savings (Collabria Visa)
Low-rate business Visa with a 13.99% rate on purchases and cash advances and no points.
- Annual fee
- $25 ($25 annual fee; $5 additional card)
- Purchase rate
- 13.99%
- Foreign transaction fee
- 2.5%
- #9
Alterna Visa Classic Card Alterna Savings (Collabria Visa)
Low-rate Visa with a 13.99% fixed purchase rate and a basic insurance package; no points earned.
- Annual fee
- $20 ($20 annual fee)
- Purchase rate
- 13.99% fixed
- Balance transfers
- 0% for 9 months on balance transfers (terms apply)
- Foreign transaction fee
- 2.5%
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.