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Vancity
Vancity · Visa · Gold

enviro Visa Gold card

Low interest Low InterestTravelno_fee_first_year
3.4
★★★☆☆

Solid value

CardPick score · from real fees, rewards & perks
You'll finish your application securely on Vancity's own website.
Welcome value
$45
est. first-year value
Annual fee
$45
per year
Purchase interest
11.25%
on carried balances
Rewards type
none
on eligible spend
🎁
$45 welcome bonus
Estimated first-year value
🛫
Travel perks
Lounge access & trip coverage
🛡️
5 insurance coverages
Built-in protection

Rewards

Base earn rateSee card details
Welcome bonusGet your first-year $45 annual fee waived when you make your first purchase within 30 days
Rewards typenone

Fees & rates

Annual fee$45
Purchase interest rate11.25%
Foreign transaction fee2.5% (typical)

Standout perks

Price protection service - if you charge the full cost of an eligible product to your enviro Gold Visa card and then find it for a lower written advertised price within 60 days from the date of purchase, you may be reimbursed the difference
Tap to pay with your enviro Visa card, Apple Pay or Google Pay
Lock and unlock your card, set card usage rules with card controls and set up alerts
One simple login to pay for online purchases with Visa Click to Pay
Carbon Counter to estimate your carbon footprint
5% of profits from this card support the Vancity enviroFund program every year
5%
24-hour cash advances through any ATM displaying the Visa symbol
Card Services available 24/7 to help you with your enviro Visa account

Everyday features

📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access

Insurance coverage

🛡️

rental car

Included — see issuer for details.

🛡️

common carrier accident

up to $500,000

🛡️

baggage delay

Included — see issuer for details.

🛡️

extended warranty

up to one year

🛡️

purchase protection

Included — see issuer for details.

Eligibility

Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident