Disclaimer

This campaign is part of the Partner Campaign Catalogue and requires your credit union to be opted-in. To see if your credit union is participating, see the "Participating Partners" section below.

This campaign outline is provided for illustrative purposes only and is intended to offer a high-level overview of the upcoming campaign. It does not constitute a final or comprehensive representation of the campaign’s terms, conditions, or deliverables. Full and detailed terms and conditions will be made available prior to the official launch of the campaign. 

Offer Details 

With Canada targeting 380,000 new permanent residents in 2026, immigration continues to be a key driver of population and economic growth. However, transitioning to a new country presents many challenges. One of the most critical is the ability to establish a credit history.

To support this need, the New to Canada Credit Program has been developed to help credit union members who are new immigrants qualify for a credit card based on tailored criteria. This initiative recognizes the unique financial circumstances of newcomers and aims to provide them with a fair opportunity to build their financial foundation in Canada. An overview of the program and additional resources can be found on Collabria Connect.

To complement the program, and support credit unions in attracting new immigrant members, the New to Canada offer includes a compelling incentive: a one-time $100 statement credit for newcomers whose credit card applications are approved and activated within 30 days of approval. This offer not only helps ease the financial transition for new Canadians but also positions the credit union as a welcoming and supportive financial partner from day one.

Timing

This offer will be available for applications approved from January 1 to December 31, 2026. The new card must also be activated within 30 days of the application approval date.

Eligibility

New card accounts that meet the New to Canada Credit Program requirements, are approved between January 1 and December 31, 2026, and are activated within 30 days of approval will be eligible to receive a one-time $100 statement credit.

Please note the following exceptions on this offer:

• Upgraded and switched card accounts are not eligible.
• The offer is eligible for new accounts that have been approved and activated. Completion of a first purchase transaction is not required to qualify.
• Partner employees are eligible.
  • Employees must meet the requirements outlined in the New to Canada program.
• Additional/sub-accounts/joint/supplementary cards are excluded.

Eligibility requirements for this offer are as follows:

1. Applicants must be age of majority in Province of residence.
2. Applicants must be a member of the Credit Union.
3. Applicants must be a New Immigrant to Canada, that may include:

1. International students
2. Federal skilled workers
3. Federal business streams like investors
4. Members under provincial or Atlantic immigration programs

Notes:

Refugees and humanitarians do not qualify under the New to Canada program. Refugees and humanitarians can still apply through the standard application process and qualify under the current no score program as long as they have a Canadian address.

Product Eligibility

The following personal cards are eligible for this offer, based upon the product offering selected by the cardholder’s credit union:

The following credit cards are not eligible for this offer:

Offer Fulfilment

The $100 statement credit will appear in an eligible new primary cardholder account within two (2) statement cycles, following application approval and card activation. The account must be active and in good standing at the time of fulfilment.

Participating Partners

To be announced