Credit Cards

At CUA, we are focused on helping you get ahead with the support of our flexible banking products and services. With that in mind, we have partnered with Collabria, a Canadian payment solutions provider, to provide a line of credit cards tailored specifically to meet your individual needs.

Our line of cards offers a range of options, from earning cash back for everyday purchases, to low rates and great rewards. Review our suite of credit card options by clicking the button below. You will be directed to an external site managed by our partner, Collabria.

Interested in applying for a credit card today? Contact CUA’s Customer Contact Centre at 902.492.6500 or click on the button below to apply using Collabria’s online portal.

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Merchant Surcharging – Q&A

What is a surcharge? Expand/Collapse

A surcharge is an additional fee that a merchant adds on a payment transaction when a consumer uses a credit card.

Why is surcharging now being permitted? Expand/Collapse

As a result of an approved settlement with merchants, effective October 6, 2022, Visa and Mastercard have modified their standards to permit Canadian merchants to surcharge credit card transactions, provided merchants comply with certain limitations that can be found in the modified standards.

Is surcharging permitted in both face-to-face and card-not-present environments? Expand/Collapse

Yes. A merchant can choose to surcharge in one or both environments.

How will a cardholder be made aware of a potential surcharge? Expand/Collapse

Merchants must first register their intent to surcharge with their credit card processor, and then wait 30 days before applying surcharges on applicable Visa and Mastercard transactions. Following this 30 day period, a merchant must prominently display a clear disclosure of their surcharge policy at the point of store entry or when conducting an e-commerce transaction.

Are merchants required to detail a surcharge on the cardholder’s receipt? Expand/Collapse

Yes. Merchants must provide clear disclosure of the surcharge amount on the cardholder’s receipt/proof-of-purchase.

What is the difference between a surcharge and a convenience fee? Expand/Collapse

A surcharge is any fee charged in connection with a transaction that is not charged if another payment method is used.

A fee imposed on all like transactions regardless of the form of payment used (e.g., cash, cheque) is deemed a “convenience fee”.

Can a merchant charge both a surcharge and a convenience fee? Expand/Collapse

No. If a merchant chooses to surcharge credit transactions, they cannot assess a convenience fee for credit transactions.

How do cardholders report a complaint about surcharging? Expand/Collapse

If a cardholder believes they were surcharged incorrectly, they may contact Cardholder Services to report the improper surcharging. The details will then be escalated by Collabria to the appropriate network contact (Mastercard or Visa) for investigation.

Cardholders may also contact Visa or Mastercard to report any potential violations.

We are committed to providing all the necessary tools and information to understand how surcharging works and how to handle it. We will be updating this FAQ as questions arise, so be sure to check back for updates.


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