Rewards
Base earn rate1.25 points per $1 spent on all other purchases
ProgramVancity Rewards
Welcome bonusGet up to $390 in value with an enviro Visa Infinite card
Rewards typepoints
Fees & rates
Annual fee$120
Additional card$50
Purchase interest rate19.5%
Foreign transaction fee2.5% (typical)
Standout perks
✈️
Access to more than 1,200 participating airport lounges worldwide with complimentary membership to Visa Airport Companion
$90 (based on DragonPass membership conversion)
🏨
Room upgrades, free WiFi and breakfast, late checkout and more at participating hotel properties
🍽️
Access to dining events at top restaurants, plus wine tastings and discounted deliveries from select wineries
🎩
Plan business trips, make restaurant reservations and more with 24/7 concierge service
⭐
Special movie events, city tours and discounts at select golf courses
💳
Elevated platinum status at over 60 Sandman hotels with room upgrades and dining discounts
⭐
Join Modo and get carshare driving credits
$100 in driving credits
⭐
Discount on JJ Bean coffee purchases
10% discount on JJ Bean Coffee Card, 15% off subscription
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
auto rental collision loss damage
Included — see issuer for details.
🛡️
common carrier accident
up to $500,000
🛡️
baggage delay
up to $500 per trip
🛡️
baggage loss
up to $1,000 per insured person
🛡️
flight delay
up to $500 per trip
🛡️
extended warranty
Doubles the manufacturer's Canadian warranty to a maximum of one additional year
Eligibility
Minimum personal income$60,000
Credit score guidanceGood (660+)
ResidencyCanadian resident