Rewards
Base earn rate1 point for every $1 spent on all purchases
ProgramVancity Rewards
Welcome bonusUp to $205 value in your first year
Rewards typepoints
Fees & rates
Annual fee$145
Purchase interest rate11.25%
Foreign transaction fee2.5% (typical)
Standout perks
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Price protection service
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If you charge the full cost of an eligible product to your enviro Gold Visa card and find it for a lower written advertised price within 60 days from the date of purchase, you may be reimbursed the difference
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Carbon CounterTM to estimate your carbon footprint
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5% of profits from this card support the Vancity enviroFundTM program every year
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Tap to pay with your enviro Visa card, Apple Pay or Google Pay
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Card controls - lock and unlock your card, set card usage rules and set up alerts
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Visa Click to Pay - one simple login for online purchases
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Card Services available 24/7 to help with your enviro Visa account
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
up to $500,000
🛡️
baggage delay
Included — see issuer for details.
🛡️
extended warranty
up to one year
🛡️
purchase protection
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident