Rewards
Base earn rate1 point per $1 spent on all purchases
ProgramVancity Rewards
Welcome bonusGet up to $234 value in your first year
Rewards typepoints
Fees & rates
Annual fee$99
Additional card$0
Purchase interest rate19.5%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Price protection service
⭐
21-day interest-free grace period on new purchases
⭐
Tap to pay with enviro Visa card, Apple Pay or Google Pay
⭐
24-hour cash advances through any ATM displaying the Visa symbol
⭐
Card Services available 24/7
⭐
Lock and unlock your card, set card usage rules with card controls, and set up alerts
⭐
5% of profits from all enviro Visa cards support the Vancity enviroFundTM program every year
5%
⭐
One simple login to pay for online purchases with Visa Click to Pay
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.
🛡️
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