Rewards
Base earn rate1.25 points per $1 spent on all other purchases
ProgramVancity Rewards
Welcome bonusGet up to $414 in value: Two-years annual fee waived ($240 value), 2 complimentary lounge passes for Primary Cardholders only ($84 value), Visa Airport Companion membership ($90 value)
Rewards typepoints
Fees & rates
Annual fee$120
Additional card$50
Purchase interest rate19.5%
Foreign transaction fee2.5% (typical)
Standout perks
✈️
Two complimentary airport lounge visits annually for the Primary Cardholder and complimentary Visa Airport Companion membership, providing access to more than 1,200 participating airport lounges worldwide
2 visits annually
⭐
Complimentary room upgrades, daily breakfast, and late checkout, plus enhanced rewards status and travel credits on qualifying stays with Visa hotel partner perks
⭐
Access to Visa Infinite Dining series with select restaurants and exclusive benefits at select wineries
🎩
Plan your next business trip, make a reservation at your favourite local restaurant, and more with the help of a concierge, available 24/7
⭐
Golf perks at Access Rewards and exclusive benefits at the Toronto International Film Festival
⭐
Two complimentary 1GB/15-day GigSky global mobile data plans per year, plus 20% off future purchases
2 plans annually
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
Included — see issuer for details.
🛡️
baggage delay
Included — see issuer for details.
🛡️
flight delay
Included — see issuer for details.
🛡️
travel medical
Included — see issuer for details.
🛡️
extended warranty
Included — see issuer for details.
Eligibility
Minimum personal income$60,000
Credit score guidanceGood (660+)
ResidencyCanadian resident