Important information about the Sunova US Dollar Mastercard®

The charges, fees, pricing and benefits described in these Terms and Conditions are valid as of April 1, 2017 unless otherwise noted, and are subject to change. For current information, please call Cardholder Service at 1.855.341.4643.


Annual Interest Rate or Rates

These interest rates are in effect from the date your account is activated.

Purchases & Fees 19.90%
Cash Advances 21.90%

If a cardholder is 30 or more days delinquent on the account, the Annual Interest Rate may change to 24.90%.

Interest-Free Grace Period

25 days
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

Minimum Payment

The Minimum Payment Due is 2.0% of the new balance (rounded to the nearest dollar), but at least $40.00 USD (or the entire new balance if it is less than $40.00 USD).

Foreign Currency Conversion

Transactions in a foreign currency (any currency other than US dollar) are converted to US dollar no later than the date we post the transaction to your credit card account at our exchange rate which is 2.5% over a benchmark rate that is in effect and that Sunova Credit Union must pay on the date of conversion. We make the conversion on the date the transaction or refund is posted to your account.

Annual Fees

To be charged within the first two monthly statements following the opening of your new account and annually on your statement anniversary date.

Annual Card Fee $65.00 USD
Additional Card Annual Fee (Per Card) $35.00 USD
Other Fees

The following fees are charged on the day the transaction or activity occurs:

Over Limit Fee $29.00 USD
Cash Advance Fee $10.00 USD
Balance Transfer Transaction Fee 3% of the amount of each transfer
Payment Return Fee (NSF Fee) $45.00 USD
Document Copy Fee $15.00 USD
Research Request Fee (Per Hour) $15.00 USD


I, the Applicant, certify the information included in this application is true and accurate and request that Sunova Credit Union establish a Sunova US Dollar credit card account in my name. I understand that omission of information requested may be reason for denial.


I understand that I must be a Canadian resident of the age of majority in my province or territory of residence to qualify for this offer and that I am of age to legally contract and that I have read and reviewed all terms, conditions and disclosures provided.


I understand that approval is based upon satisfying Sunova Credit Union's credit standards. Sunova Credit Union maintains the right not to open my account if:

  1. the information provided on or with my application is incomplete, inaccurate or cannot be verified,
  2. I no longer meet Sunova Credit Union's standards for credit-worthiness; or
  3. my name has been altered.


I understand that the exact amount of my credit line will be determined after review of my application and other information.


By submitting this application, I authorize Sunova Credit Union to obtain credit information to confirm credit-worthiness in connection with my request for an account. Sunova Credit Union may obtain a credit report from either a credit reporting agency, credit bureau, financial institution or other reporting entity for the sole purpose of assessing and updating credit-worthiness, authorizing or declining the issuance of a card or subsequent uses of the account, including the addition, removal or modification of certain features of the account, changes to the interest rates applicable to the account, changes to the credit limit, managing credit risk, deterring fraud and maintaining the integrity of the credit reporting system.


I request that a card be issued, renewed or replaced at Sunova Credit Union's discretion and that the requested services be made available to holders of the card which may be issued to me and understand that such services may vary or be terminated from time to time.


I agree to be liable for any use of the card(s) and for all amounts, fees and charges to the account. If my card or account is used by an authorized user, I will be liable for all resulting transactions and any interest, fees and losses incurred, even if the other person was a minor or did not comply with any limitations I placed on their use of the card or account.


I understand I may pay the new balance in full or in part at any time. However, I must pay at least the minimum payment by the payment due date as it appears on the front of the statement each month.



Please continue to make your regular payments on transferred accounts until you receive confirmation the transfer has been completed. Minimum transfer amount is $100. If your balance transfer request will exceed your available credit, Sunova Credit Union will process your transfer for less than the amount requested, in the order requested. By signing the application you authorize Sunova Credit Union to pay any account listed on the form and add the balance to your new Sunova credit card. Review all terms and conditions for complete details. Please call Cardholder Service at 1.855.341.4643 if you have additional accounts you would like to transfer.



Upon receipt of your application form, Sunova Credit Union will open a file under the cardholder's name so that the cardholder may receive financial services as they relate to the various credit and payment services offered by Sunova Credit Union. The personal information contained in this file is kept at the offices of Sunova Credit Union or Sunova Credit Union's agents and is consulted by authorized Sunova Credit Union employees or its agents when warranted in the performance of their duties. The cardholder has a right to access the contents of his/her file and to correct any erroneous information by making a written request to that effect to Cardholder Service at the address listed below. The cardholder may also have his/her name excluded from Sunova Credit Union's direct marketing lists. The cardholder may address these requests in writing to: Sunova Credit Union, C/O Collabria, PO Box 82029 RPO Connaught, Calgary, Alberta T2R 0X1.


The cardholder agrees that Sunova Credit Union may obtain and update, from any credit reporting agency, financial institution, employer or credit card issuer ("Third Parties"), only information required for the subject matter of its file, that being the provision of financial services as they relate to the various credit and payment services, in order to assess the cardholder's creditworthiness; to administer the cardholder's account; and to review financial commitments to Sunova Credit Union within the context of this application; or the cardholder's other financial dealings with it.


The cardholder authorizes Third Parties to disclose such information to Sunova Credit Union, even though said information may be in an inactive or closed file. The cardholder agrees that Sunova Credit Union may disclose to service provider, potential assignee or any other person authorized under the law any information regarding the cardholder's financial commitments to Sunova Credit Union arising from the use of a Sunova Credit Union credit card or product.


In the event Sunova Credit Union's service provider is located in the United States, the service provider is bound by, and the information may be disclosed in accordance with, the laws of the jurisdiction in which the service provider is located.


Sunova Credit Union and Collabria make your privacy a priority. Collabria has a detailed Privacy Policy that addresses its collection, use and disclosure of personal information, and related matters, in further detail. This Privacy Statement is intended to be read in conjunction with Collabria's Privacy Policy. Please visit for a copy of our full Privacy Policy. If you do not have access to the internet, the Collabria Privacy Policy can be obtained through a written request by contacting:


PO Box 82029 RPO Connaught
Calgary, Alberta T2R 0X1


Contact Us

Canada and U.S.: 1.855.341.4643
International Collect: 1.515.343.8995


Sunova Credit Union
C/O Collabria
PO Box 82029 RPO Connaught
Calgary, Alberta T2R 0X1

The Sunova Mastercard is issued by Collabria Financial Services Inc. in a joint partnership with Sunova Credit Union Limited pursuant to a license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.