Collabria No Fee Cash Back Business Mastercard

0.5 points for every $1 spent (Coast Capital, Access Credit Union and Prospera all publish this figure). Cambrian publishes the same rate expressed as '1 point per $2 spent on business purchases'. Points redeem for merchandise (60,000+ items), gift cards (60+ retailers), statement credits, travel experiences and charity donations. No fixed cents-per-point value is published by Collabria or its credit unions, so point_value_cents is null.

Alterna Savings advertises '0% Balance Transfer for 12 months' on the Collabria business line, terms and conditions apply. Offers vary by distributing credit union.

SHARED-PLATFORM CARD. This is the single most widely distributed business credit card in Canada that almost no comparison site names correctly. Collabria Financial Services Inc. Is the actual issuer; the credit union is only a referral agent and brands the card with its own name. CONFIRMED DISTRIBUTORS: Coast Capital Savings (BC), Access Credit Union (MB), Steinbach Credit Union (MB), Cambrian Credit Union (MB), Prospera Credit Union (BC), Alterna Savings (ON), Libro Credit Union (ON), Innovation Federal Credit Union (SK/federal), Caisse Alliance (ON), Provincial Credit Union (PE), Valley Credit Union (NS), Cornerstone Credit Union (SK), Ukrainian Credit Union (ON), Beem Credit Union (BC, formerly First West / Envision Financial / Valley First). PERSONAL GUARANTEE: Alterna Savings' own page states 'Apply online today with a personal guarantee', confirming a PG is standard on the Collabria business line. PROVINCE: Coast Capital and Access both publish availability in 'all Canadian provinces and territories'. The restriction is MEMBERSHIP-BASED (you must be a member of a distributing credit union), not geographic, so excluded_provinces is empty. Insurance is limited to zero-liability fraud protection, purchase protection (90 days) and extended warranty (up to 1 additional year), underwritten by Assurant / American Bankers Insurance Company of Florida. RATE VARIES BY CREDIT UNION: 19.99% purchase at Coast Capital, Access and Cambrian; verify with your own credit union. Issued by Collabria Financial Services Inc.. 0.5% effective return is half the ATB MyBusiness Rewards card's 1%, and a quarter of what fintechs advertise. The weakest earn rate of any no-fee business card found in this segment. A personal guarantee IS required, confirmed by Alterna's own application language. You must join a credit union first; the card is not available directly from Collabria. Collabria, not your credit union, is the issuer and the counterparty. Your credit union is a referral agent and cannot alter terms. Fees, rates and network (Visa vs Mastercard) DIFFER between credit unions carrying the identical card name. Always check your own credit union's rate page. Collabria's rates/fees/terms PDFs are blocked to automated retrieval by robots.txt, so foreign currency conversion and supplementary card fees cannot be verified without contacting the credit union. No travel insurance and no rental car CDW.