Rewards
Base earn rate0.5 points per $1 spent on all other purchases
ProgramVancity Rewards
Welcome bonusUp to $200 in rewards value
Rewards typepoints
Fees & rates
Annual fee$0
Purchase interest rate19.5%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Track your transactions and trends with Visa Spend Clarity for Business
⭐
Set up custom card-activity alerts and decide where, when and how employees use your enviro Visa card
⭐
Unlock discounts at participating merchants with Visa SavingsEdge
⭐
Use the Carbon Counter to estimate your carbon footprint
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
extended warranty
doubles the manufacturer's Canadian warranty to a maximum of one additional year
🛡️
purchase protection
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident