Rewards
Base earn rate1.5 points for every $1 spent on all other purchases
ProgramVancity Rewards
Welcome bonusGet up to $580 in value. First year annual fee waived ($245 value). Visa Airport Companion membership ($90 value). 6 complimentary lounge passes ($245 value).
Rewards typepoints
Fees & rates
Annual fee$245
Additional card$50
Purchase interest rate19.5%
Foreign transaction fee2.5% (typical)
Standout perks
✈️
Complimentary membership to Visa Airport Companion with six complimentary airport lounge visits annually for each cardholder on the account, providing access to more than 1,200 participating airport lounges worldwide
6 visits annually per cardholder
💳
Receive benefits such as complimentary room upgrades, daily breakfast, and late checkout, plus enhanced rewards status and travel credits on qualifying stays with Visa hotel partner perks
⭐
Experience some of the best restaurants in your city with the Visa Infinite Dining series. Plus unlock primetime reservations with OpenTable and get access to offers 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
⭐
Get out and enjoy golf perks at Access Rewards and exclusive benefits at the Toronto International Film Festival
⭐
Enjoy two complimentary 1GB/15-day GigSky global mobile data plans per year, plus 30% off future purchases
2 complimentary plans per year; 30% off future purchases
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
🛂 NEXUS fee rebate
Insurance coverage
🛡️
travel medical
Included — see issuer for details.
🛡️
rental car
Included — see issuer for details.
🛡️
baggage delay
Included — see issuer for details.
🛡️
baggage loss
Included — see issuer for details.
🛡️
common carrier accident
Included — see issuer for details.
🛡️
flight delay
Included — see issuer for details.
Eligibility
Minimum personal income$60,000
Credit score guidanceExcellent (760+)
ResidencyCanadian resident