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Credit cards for everyday spending

Earn rewards while enjoying flexible spending, useful benefits, and simple terms.

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Take advantage of these fantastic offers

Ends June 30

Rewards for everyday life

Get a $120 first year fee rebate + bonus. Flex Rewards points worth up to $100 in cash value.1

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Ends June 30

0% on balance transfers

Pay 0% interest for the first 12 months when you transfer your existing credit card balances.1

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Browse our credit cards

Cash Back Visa Infinite* Card

Premium cash back on everyday spending, plus coverage and travel benefits.

FirstOntario Cash Back Visa Card

Cash Back Visa* Card

Earn cash back on everyday purchases. With no annual fee, it’s an easy way to keep more money in your pocket.

FirstOntario Cash Back Visa Card

US Dollar Visa* Card

Avoid foreign transaction fees and earn reward points2 when you visit the U.S. or shop with U.S. companies online.

FirstOntario U.S. Dollar Visa Card

Centra Visa* Gold Card

Earn flexible reward points2 on everyday purchases with a low annual fee and a low, competitive interest rate.

FirstOntario Centra Visa Gold Card

Visa Infinite* Card

Earn generous reward points2 and enjoy premium travel benefits and valuable insurance protection.

FirstOntario Visa Infinite Card

Visa* Classic Card

Keep things simple with a low interest rate, low fee, and reliable mobile device insurance you can count on.

FirstOntario Visa Classic Card

Receive an annual fee rebate

Pair your credit card with our Premium or Premium Unlimited chequing accounts.

Need help choosing a credit card?

Use the card picker tool to find the credit card that is right for you.

Credit card benefits that go further

Get more value from your purchases with flexible, practical benefits built into our credit cards, helping you make the most of every dollar you spend.

Barista accepting a FirstOntario contactless credit card payment from a customer at a café counter.

Flex Rewards

Use your rewards2 on gift cards, travel, and entertainment, or even to cover recent card charges on your account.

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Auto rental benefits

Get up to 25% off and several other advantages when you use your credit card to rent a car at Hertz, Thrifty, and Dollar.3

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Valuable protection

Eligible cards include travel emergency health care coverage, trip cancellation, purchase protection, and more.3

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Mobile wallet

Keep your eligible credit card in a digital wallet on your mobile device and make secure purchases with a simple tap.

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If unexpected events affect your income, Balance Protection Insurance3 can help cover your credit card payments and protect your finances.

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Ready to apply for your credit card?

Browse our credit card options, explore rewards and cardholder benefits, and find the right match for how you spend every day.

Apply online
Terms and conditions

* Trademark of Visa Int., used under license.
Credit cards are issued by Collabria Financial Services Inc.

  1. Terms and conditions apply. Visit the Collabria website for more details.
  2. Reward points are earned on net purchases only. Any Cash-like Transactions including Cash Advances, and interest charges, fees, payments, credit or debit adjustments and any amount other than Purchases that may be charged to your Account with your Card or Convenience Cheques, do not qualify for Points. For more information visit Collabria Rewards page.
  3. Terms and conditions apply. Visit the Collabria website for more details.