First Ontario Collabria Personal Visa Credit Cards

FirstOntario Visa* FlexRate Card

With the FirstOntario Visa* FlexRate Card, find great value with a flexible low variable interest rate, plus 1 point for every $1 spent.

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Card Benefits

  • 1 point for every $1 spent1
  • Global customer service
  • Zero Liability included2
  • Purchase Protection and Extended Warranty3
    • 90 days purchase protection and double the manufacturer’s warranty (maximum 1 year)
  • Mobile Device Insurance included3
Visa benefits
Annual fee $40
Additional Card Fee $0
Annual Interest Rate (Purchases) 9.90% - 18.90% Variable
Annual Interest Rate (Cash Advances) 9.90% - 18.90% Variable


Eligibility for rewards and/or account credit is subject to the terms and conditions of the FlexRewards program. Terms and conditions are available online at


Zero Liability applies to your purchases made with your credit card in the store, over the telephone, online or via a mobile device.

As a cardholder, you will not be held responsible for unauthorized transactions if:

  1. You have used reasonable care in protecting your card from loss or theft; and
  2. You have reported to Cardholder Service at 1.855.341.4643 (Canada and US) or 1.647.252.9564 (International Collect) when you knew that your credit card was lost or stolen.

If you believe there is an unauthorized user on your account and you meet the conditions above, you are protected for Zero Liability. If you do not meet the conditions above, please reference your Cardholder Agreement for additional information regarding liability.

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See Terms & Conditions for complete details.


Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries and affiliates carry on business in Canada under the name of Assurant Solutions®, Assurant Solutions is a registered trademark of Assurant, Inc. Details of insurance coverage, including definitions benefits, limitations and exclusions, are in the Certificate of Insurance.

Certificate of Insurance.

Insurance coverage is subject to change.

* The products, features, benefits and rewards are valid as of January 1, 2018, unless otherwise noted and are subject to change.

The Collabria Visa Card is issued by Collabria Financial Services Inc., pursuant to a license from Visa. Visa is a trademark of Visa Int. and is used under license.

Terms and conditions

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