Rewards
Base earn rate1 point per $1 spent on all purchases
ProgramVancity Rewards
Welcome bonusUp to $234 value in your first year
Rewards typepoints
Fees & rates
Annual fee$99
Purchase interest rate19.5%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Price protection service - reimbursement if you find eligible product at lower written advertised price
⭐
Carbon Counter to estimate your carbon footprint
⭐
5% of profits from card support the Vancity enviroFund program every year
⭐
Tap to pay with Apple Pay or Google Pay
⭐
Card controls - lock and unlock card, set card usage rules, set up alerts
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
common carrier accident
up to $500,000
🛡️
rental car
Included — see issuer for details.
🛡️
baggage delay
Included — see issuer for details.
🛡️
extended warranty
Included — see issuer for details.
🛡️
purchase protection
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident