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Vancity Credit Cards

Effective May 3, 2021, the enviro Visa Reloadable Prepaid card will no longer be available for purchase.

Existing cardholders: all cards will be subject to key program closure dates. Please visit www.myreloadable.ca for more information.

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Bonus points

✓

Authorized Users

Card details

  • No annual fee

Vancity Rewards

  • Earn 1 Vancity Rewards point for every $2 spent
  • Get $1 in rewards value for every 100 points redeemed
  • Earn double the points when you use your enviro Visa card to book travel through the Vancity Rewards program

Coverage1:

  • Common carrier travel accident insurance up to $200,000
  • Extended warranty insurance
  • Purchase security insurance

Every year, 5% of enviro Visa card profits go to support the Vancity enviroFund™ program.

Vancity Rewards

  • Earn 1 Vancity Rewards point for every $1 spent
  • Get $1 in rewards value for every 100 points redeemed
  • Earn double the points when you use your enviro Visa card to book travel through the Vancity Rewards program

Coverage1:

  • Auto rental collision / loss damage insurance
  • Common carrier travel accident insurance up to $500,000
  • Extended warranty insurance
  • Purchase security insurance
  • Delayed and lost baggage insurance
  • Price protection service

Every year, 5% of enviro Visa card profits go to support the Vancity enviroFund™ program.

  • Low interest rate
  • Low annual fee

Coverage1:

  • Common carrier travel accident insurance up to $200,000
  • Extended warranty insurance
  • Purchase security insurance

Every year, 5% of enviro Visa card profits go to support the Vancity enviroFund™ program.

Vancity Rewards

  • Earn 1.5 Vancity Rewards points for every $1 spent
  • Get $1 in rewards value for every 100 points redeemed
  • Earn double the points when you use your enviro Visa card to book travel through the Vancity Rewards program

Coverage1:

  • Auto rental collision / loss damage insurance
  • Common carrier travel accident insurance up to $500,000
  • Extended warranty insurance
  • Purchase security insurance
  • Delayed and lost baggage insurance
  • Price protection service

Every year, 5% of enviro Visa card profits go to support the Vancity enviroFund™ program.

  • Low interest rate
  • Low annual fee

Vancity Rewards

  • Earn 1 Vancity Rewards point for every $2 spent
  • Get $1 in rewards value for every 100 points redeemed
  • Earn double the points when you use your enviro Visa card to book travel through the Vancity Rewards program

Coverage1:

  • Common carrier travel accident insurance up to $200,000
  • Extended warranty insurance
  • Purchase security insurance

Every year, 5% of enviro Visa card profits go to support the Vancity enviroFund™ program.

  • Low interest rate

Vancity Rewards

  • Earn 1 Vancity Rewards point for every $1 spent
  • Get $1 in rewards value for every 100 points redeemed
  • Earn double the points when you use your enviro Visa card to book travel through the Vancity Rewards program

Coverage1:

  • Auto rental collision / loss damage insurance
  • Common carrier travel accident insurance up to $500,000
  • Extended warranty insurance
  • Purchase security insurance
  • Delayed and lost baggage insurance
  • Price protection service

Every year, 5% of enviro Visa card profits go to support the Vancity enviroFund™ program.

  • Low interest rate
  • Low annual fee

Coverage1:

  • Auto rental collision / loss damage insurance
  • Common carrier travel accident insurance up to $500,000
  • Extended warranty insurance
  • Purchase security insurance
  • Delayed and lost baggage insurance
  • Price protection service

Every year, 5% of enviro Visa card profits go to support the Vancity enviroFund™ program.

  • No annual fee
  • No interest charges
  • One time purchase fee: $14.95
  • Monthly maintenance fee: $4.95 (waived for Vancity members)
  • No reload fee
  • Funds on your card never expire
  • The balance is not insured by the Canada Deposit Insurance Corporation (CDIC)
  • The card cannot be used for gambling

Coverage1:

  • Extended warranty insurance
  • Purchase security insurance
  • No annual fee, interest charges or additional activation required
  • The card is ready for immediate use
  • Funds on your card never expire
  • The balance is not insured by the Canada Deposit Insurance Corporation (CDIC)
  • The card cannot be used for gambling
  • No ATM access
  • Cards cannot be used for pre-authorized or recurring payments

Fees1

  • One time purchase fee: $2
  • Monthly maintenance fee: $2.50 or balance remaining on the card (whichever is less), charged monthly starting the month after Good Thru date
  • Foreign currency fee: 2.5%
  • Get up to 8 cards per account for one annual fee of $99
  • The business will get a single monthly statement with transaction details categorized by credit card users
  • Manage your cash flow with a convenient 21-day interest-free grace period
  • Great for the sole proprietor, manager of a small business/organization or Not-for-Profit

Vancity Rewards

  • Earn 1 Vancity Rewards points for every $1 spent
  • Get $1 in rewards value for every 100 points redeemed
  • Earn double the points when you use your enviro Visa card to book travel through the Vancity Rewards program

Coverage1:

  • Auto rental collision / loss damage insurance
  • Common carrier travel accident insurance up to $500,000
  • Extended warranty insurance
  • Purchase security insurance
  • Delayed and lost baggage insurance

Every year, 5% of enviro Visa card profits go to support the Vancity enviroFund™ program.

  • Establish or rebuild your credit history
  • Invest as little as $500 into your own Vancity Term Deposit, Jumpstart™ High Interest Savings Account or TFSA (Tax Free Savings Account). We'll issue you an enviro Visa card with a credit limit equal to the amount of your investment
  • Earn interest on your term deposit
  • An enviro Secured Visa card looks and functions like a regular credit card. Choose any of our enviro Visa credit card options

This credit card is best for those who:

  • Immigrated to Canada with limited or no previous Canadian credit history
  • Experienced financial difficulty in the past and wish to rebuild their credit
  • Want convenient access to credit for everyday purchases
  • Add up to 4 additional cards (Authorized Users) on your account
  • First card is free, then $50 annual fee for each additional card

Vancity Rewards

  • Earn Vancity Rewards points:
    • 2.5 points for every $1 spent on groceries1
    • 5 points for every $1 spent on public transit and ferries1
    • 10 points for every $1 spent at select local businesses
    • 1.25 points for every $1 spent on all other purchases
  • Earn double the points when you use your enviro Visa card to book travel through the Vancity Rewards program
  • Get $1 in rewards value for every 100 points redeemed

Coverage2:

  • Auto rental collision/loss damage insurance
  • Common carrier travel accident insurance up to $500,000
  • Flight delay insurance
  • Delayed and lost baggage insurance
  • Extended warranty insurance
  • Purchase security insurance
  • Price protection service
  • Mobile device insurance
  • Add up to 4 additional cards (Authorized Users) on your account
  • First card is free, then $50 annual fee for each additional card

Vancity Rewards

  • Earn Vancity Rewards points:
    • 3 points for every $1 spent on groceries1
    • 5 points for every $1 spent on public transit and ferries1
    • 10 points for every $1 spent at select local businesses
    • 1.5 points for every $1 spent on all other purchases
  • Earn double the points when you use your enviro Visa card to book travel through the Vancity Rewards program
  • Get $1 in rewards value for every 100 points redeemed

Coverage2:

  • Auto rental collision/loss damage insurance
  • Common carrier travel accident insurance up to $500,000
  • Travel emergency medical insurance up to $5,000,000
  • Trip cancellation insurance up to $2,500 and trip interruption insurance up to $5,000
  • Flight delay insurance
  • Delayed and lost baggage insurance
  • Extended warranty insurance
  • Purchase security insurance
  • Price protection service
  • Mobile device insurance
  • Add up to 10 additional cards (Authorized Users) on your account
  • First card is free, then $50 annual fee for each additional card
  • The business will get a single monthly statement with transaction details categorized by credit card users
  • Manage your cash flow with a convenient 21-day interest-free grace period
  • Great for the sole proprietor or manager of a small business/organization

Vancity Rewards

  • Earn Vancity Rewards points:
    • 2.5 points for every $1 spent on office supplies1
    • 5 points for every $1 spent on public transit, ferries, buses, taxi, rail and parking1
    • 10 points for every $1 spent at select local businesses
    • 1.25 points for every $1 spent on all other purchases
  • Earn double the points when you use your enviro Visa card to book travel through the Vancity Rewards program
  • Get $1 in rewards value for every 100 points redeemed

Coverage:

  • Auto rental collision/loss damage insurance
  • Common carrier travel accident insurance up to $500,000
  • Trip cancellation and interruption insurance up to $1,000
  • Flight delay insurance
  • Delayed and lost baggage insurance
  • Extended warranty insurance
  • Purchase security insurance
  • Mobile device insurance
  • Liability waiver insurance
  • Get up to 10 cards per account
  • The business will get a single monthly statement with transaction details categorized by credit card users
  • Manage your cash flow with a convenient 21-day interest-free grace period
  • Great for the sole proprietor, manager of a small business/organization or Not-for-Profit

Vancity Rewards

  • Earn Vancity Rewards points:
    • 1 point for every $1 spent on office supplies2
    • 2.5 points for every $1 spent on public transit, ferries, buses, taxi, rail and parking2
    • 0.5 points for every $1 spent on all other purchases
    • 1,000 points when you spend $1,000 or more in each statement period ($10 rewards value)1
  • Earn double the points when you use your enviro Visa card to book travel through the Vancity Rewards program
  • Get $1 in rewards value for every 100 points redeemed

Coverage3:

  • Extended warranty insurance
  • Purchase security insurance

Eligibility requirements

To be eligible for a Vancity credit card, you must:

  • Be at least 19 years old
  • Live in British Columbia and have a BC address

If you've declared bankruptcy in the last 7 years or have no previous credit history, the enviro Secured Visa card might be the right card for you. You'll get all the same benefits of this enviro Visa card.

Eligibility requirements

The enviro ExpenseGold Visa card may be right for you if you are a:

  • Vancity business member
  • Small to medium-sized business
  • Sole proprietor, partnership, limited company, co-operative or Not-for-Profit organization

Have questions about whether this product is right for you? Please call us at 604-877-7000 or toll-free 1-888-826-2489 to speak with a Business Banking Specialist for details.

Eligibility requirements

To be eligible for a enviro Visa Reloadable Prepaid card, you must:

  • Be at least 16 years old if applying in a branch. You can also apply online if you are at least 19 years old
  • Live in British Columbia and have a current BC address

Already have a Vancity enviro Visa Gift Card?

Your card is ready to be used immediately.

Don't forget to register your card at mybalance.ca.

When you register your card, we can replace your card if it's lost, stolen or expired. You can also view your balance, transaction history and the Cardholder Agreement.

Eligibility requirements

To be eligible for a enviro Secured Visa card, you must:

  • Be an existing or new Vancity member in good standing
  • Be at least 19 years or older
  • Live in British Columbia and have a current BC address
  • Be able to put a security deposit equal to the maximum credit limit on the enviro Visa card

Please note, you must also meet at least one income and/or investable fund criteria for the enviro Visa Infinite* , enviro Visa Infinite Privilege* and enviro Visa Infinite Business* cards.

Benefits:

  • Premium Visa Infinite benefits including concierge, dining, entertainment and more
  • Travel benefits including hotel perks and a complimentary membership to the Visa Airport Companion Program3, providing you with access to airport lounge visits
  • Discounts and perks to select local businesses

Every year, 5% of enviro Visa card profits go to support the Vancity enviroFund™ program.

Eligibility requirements

To be eligible for this Vancity credit card, you must:

  • Be at least 19 years old
  • Live in British Columbia and have a BC address
  • Meet one of the following:
    • $60,000 annual personal income or $100,000 annual household income, or
    • $250,000 or more in investable funds (including the money saved in your chequing and savings accounts and the total market value of your RRSP, TFSA or other investment accounts)

If you've declared bankruptcy in the last 7 years or have no previous credit history, the enviro Secured Visa card might be the right card for you. You'll get all the same benefits of this enviro Visa card.

Benefits:

  • Premium Visa Infinite Privilege benefits including concierge, dining, entertainment and more
  • Travel benefits including hotel perks, a complimentary membership to the Visa Airport Companion Program with six complimentary airport lounge visits3, and priority security lane access at select Canadian airports.4
  • Discounts and perks to select local businesses

Every year, 5% of enviro Visa card profits go to support the Vancity enviroFund™ program.

Eligibility requirements

To be eligible for this Vancity credit card, you must:

  • Be at least 19 years old
  • Live in British Columbia and have a BC address
  • Meet one of the following:
    • $150,000 annual personal income or $200,000 household income, or
    • $400,000 or more in investable funds (including money saved in your chequing and savings accounts and the total market value of your RRSP, TFSA or other investment accounts)

If you've declared bankruptcy in the last 7 years or have no previous credit history, the enviro Secured Visa card might be the right card for you. You'll get all the same benefits of this enviro Visa card.

Benefits:

  • Deals and business tools to help you save time and money
  • Every year, 5% of enviro Visa card profits go to support the Vancity enviroFund™ program.

Eligibility requirements

The enviro Visa Business card may be right for you if you are a:

  • Vancity business member
  • Small to medium-sized business
  • Sole proprietor, partnership, limited company or co-operative or Not-for-Profit organization

If you've declared bankruptcy in the last 7 years or have no previous credit history, the enviro Secured Visa card might be the right card for you. You'll get all the same benefits of this enviro Visa card.

Have questions about whether this product is right for you? Please call us at 604-877-7000 or toll-free 1-888-826-2489 to speak with a Business Banking Specialist for details.

Benefits:

  • Premium Visa Infinite Business benefits including concierge, dining, entertainment and more
  • Travel benefits including hotel perks and a complimentary membership to the Visa Airport Companion Program2, providing you with access to airport lounges visits
  • Deals and business tools to help you save time and money
  • Discounts and perks to select local businesses

Every year, 5% of enviro Visa card profits go to support the Vancity enviroFund™ program.

Eligibility requirements

The enviro Visa Infinite Business card may be right for you if you are a:

  • Vancity business member
  • Small to medium-sized business
  • Sole proprietor, partnership, limited company or co-operative
  • Meet one of the following:
    • $250,000 or more in investable funds (including the money saved in your chequing and savings accounts and the total market value of your RRSP, TFSA or other investment, accounts), or
    • $100,000 annual household income or $60,000 annual personal income

If you've declared bankruptcy in the last 7 years or have no previous credit history, the enviro Secured Visa card might be the right card for you. You'll get all the same benefits of this enviro Visa card.

Have questions about whether this product is right for you? Please call us at 604-877-7000 or toll-free 1-888-826-2489 to speak with a Business Banking Specialist for details.

Apply online

It'll take as little as 5 minutes to apply online.

It'll take as little as 10 minutes to apply online.

Effective May 3, 2021, the enviro Visa Reloadable Prepaid card will no longer be available for purchase.

Existing cardholders: all cards will be subject to key program closure dates. Please visit www.myreloadable.ca for more information.

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Apply in person

Visit your nearest community branch.

Apply by phone

Call us Monday to Saturday (8 am to 8 pm) and Sunday (10 am to 5:30 pm).

Metro Vancouver: 604-877-7000
Greater Victoria: 250-519-7000
Toll-free: 1-888-826-2489

Apply for a card

Make an appointment at your nearest community branch. Call us Monday to Saturday (8 am to 8 pm) and Sunday (10 am to 5:30 pm).

Metro Vancouver: 604-877-7000
Greater Victoria: 250-519-7000
Toll-free: 1-888-826-2489

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Apply in person

Visit your nearest community branch.

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Purchase in person

Visit your nearest community branch.

Still deciding?
Browse cards
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Manage your card
More questions? Visit the Learning Hub ››

More questions?

For information about your card including balance, transactions, terms and conditions, visit myreloadable.ca
or call us toll-free at 1-866-760-1543.

More questions?

For information about your card including balance, transactions, terms and conditions, visit mybalance.ca,
call us toll-free at 1-866-315-7728 or view our frequently asked questions.

Manage your card
Card benefits
Contact us

Card Services 24/7
Metro Vancouver:
604-877-4999
Toll-free: 1-800-611-8472

Apply by phone

Call us Monday to Saturday
(8 am to 8 pm) and Sunday
(10 am to 5:30 pm)

Metro Vancouver:
604-877-7000
Greater Victoria:
250-519-7000
Toll-free: 1-888-826-2489

Report lost or stolen card

Metro Vancouver:
604-708-7810
Toll-free: 1-888-990-9691

International toll-free:
IAC-800-500-0707-0
(IAC = International Access Code, varies by country)

1 Certain definitions, benefits, limitations and exclusions apply to all enviro Visa card insurance coverage. The insurance coverage is subject to change or cancellation without notice. Extended Warranty, Purchase Assurance, Auto Rental Collision/Loss Damage, and Delayed and Lost Baggage Insurance are insurance coverages underwritten by American Bankers Insurance Company of Florida and Travel Accident Insurance is insurance coverage underwritten by American Bankers Life Assurance Company of Florida both federally regulated insurance providers carrying on business in Canada under the name Assurant © Price Protection Service is a service provided by American Bankers Insurance Company of Florida.

2 Credit Card Balance Protection Creditor's Group Insurance is underwritten by CUMIS® Life Insurance Company. CUMIS® is a trademark of CUMIS Insurance Society, Inc. and is used under license.

3 The language in this website may not be the same as the actual policy wording which will prevail in all instances and is available upon request. Certain exclusions, limitations and conditions may apply. TuGo is a registered trademark of and is administered by North American Air Travel Insurance Agents Ltd. d.b.a. TuGo, a licensed insurance broker in British Columbia, Alberta, Saskatchewan, Manitoba and Ontario, represented by licensed insurance agents Kathleen S. Starko and Bradley G. Dance in New Brunswick, Nova Scotia and P.E.I. 11th Floor - 6081 No. 3 Road, Richmond, BC Canada V6Y 2B2. Insurance is underwritten by Industrial Alliance Insurance and Financial Services Inc., Industrial Alliance Pacific General Insurance Corporation and certain Lloyd's Underwriters, severally and not jointly.

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

* Trademark of Visa Int., used under license.

1 Certain definitions, benefits, limitations and exclusions apply to all enviro Visa card insurance coverage. The insurance coverage is subject to change or cancellation without notice. Extended Warranty, Purchase Assurance, Auto Rental Collision/Loss Damage, and Delayed and Lost Baggage Insurance are insurance coverages underwritten by American Bankers Insurance Company of Florida and Travel Accident Insurance is insurance coverage underwritten by American Bankers Life Assurance Company of Florida both federally regulated insurance providers carrying on business in Canada under the name Assurant © Price Protection Service is a service provided by American Bankers Insurance Company of Florida.

2 The language in this website may not be the same as the actual policy wording which will prevail in all instances and is available upon request. Certain exclusions, limitations and conditions may apply. TuGo is a registered trademark of and is administered by North American Air Travel Insurance Agents Ltd. d.b.a. TuGo, a licensed insurance broker in British Columbia, Alberta, Saskatchewan, Manitoba and Ontario, represented by licensed insurance agents Kathleen S. Starko and Bradley G. Dance in New Brunswick, Nova Scotia and P.E.I. 11th Floor - 6081 No. 3 Road, Richmond, BC Canada V6Y 2B2. Insurance is underwritten by Industrial Alliance Insurance and Financial Services Inc., Industrial Alliance Pacific General Insurance Corporation and certain Lloyd's Underwriters, severally and not jointly.

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

* Trademark of Visa Int., used under license.

1 Insurance is underwritten by American Bankers Insurance Company of Florida. Details of your coverage, including definitions, benefits, limitations and exclusions are in the Certificate of Insurance provided with your card. Keep your Certificate of Insurance in a safe place with your other valuable documents

Card is issued by Vancity Community Investment Bank™, a subsidiary of the Vancity Group of Companies

* Trademark of Visa Int., used under license.

* Trademark of Visa Int., used under license.

1 Fees and Limits are subject to change in accordance with the Cardholder Agreement. Purchases made in a foreign currency are charged a 2.5% exchange margin. The Card balance is not CDIC insured.

2 Acceptance cannot be guaranteed at all online merchants due to varying security standards. The card is not reloadable.

3 Subject to registration of ownership by cardholder at mybalance.ca.

Card is issued by Vancity Community Investment Bank™, a subsidiary of the Vancity Group of Companies

* Trademark of Visa Int., used under license.

1 You will earn more points per $1 on eligible purchases made with an enviro Visa Infinite card. Eligibility is based on the merchant code as classified in the Visa credit card network. Purchases made at merchants classified as (i) Grocery Stores; Freezer and Locker Meat Provisioners; Candy Stores; Dairy Product Stores; Bakeries; and Misc. Food Stores – Convenience Stores and Specialty Markets are “groceries”; (ii) Local/Suburban Commuter Passenger Transportation – Railroads; and Transportation Services Not Elsewhere Classified are “public transit and ferries”. Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classified by the Visa credit card network in another manner, in which case the accelerated earn rate will not apply.

2 Common Carrier Travel Accident insurance coverage is underwritten by American Bankers Life Assurance Company of Florida (ABLAC) under Group Policy number VCVIL092019. All other insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy number VCVI092019. Price Protection Service and Emergency Travel Assistance Services are services only and not insurance and are provided by ABIC. ABIC and ABLAC, their subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. Details of the coverage, including definitions, benefits, limitations, and exclusions are in the Certificate of Insurance and the Statement of Services provided with the card. Read the Certificate of Insurance and Statement of Services, then keep these documents in a safe place, and take them with you when you travel.

3 enviro Visa Infinite cardholders have access to participating lounges through the Visa Airport Companion Program (“Program”), hosted and managed by Dragonpass International Ltd. Cardholders must enroll for this benefit using a valid enviro Visa card to participate. All visits are subject to a fee per person per visit. Cardholders who participate in the Program are subject to the DragonPass Terms of Use, Terms of Service and Privacy Policy and Visa’s Privacy Notice. To view the full Terms and Conditions for the Program and more details on how to enroll, please visit visaairportcompanion.ca. The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor Vancity is responsible for any claims or damages arising from participation in the Program.

4 Vancity Rewards points and offers for Modo, JJ Bean and Fresh Prep are available to Vancity enviro Visa Infinite, Vancity enviro Visa Infinite Business and Vancity enviro Visa Infinite Privilege cardholders only. Vancity Rewards points and offers for Shift Delivery are available to Vancity enviro Visa Infinite Business cardholders only. Offers are based on availability, and additional terms and conditions may apply. Vancity, Modo, Shift Delivery, JJ Bean and Fresh Prep reserve the right to modify or cancel this offer at any time and without notice.

5 Credit Card Balance Protection Creditor's Group Insurance is underwritten by CUMIS® Life Insurance Company. CUMIS® is a trademark of CUMIS Insurance Society, Inc. and is used under license.

6 The language in this website may not be the same as the actual policy wording which will prevail in all instances and is available upon request. Certain exclusions, limitations and conditions may apply. TuGo is a registered trademark of and is administered by North American Air Travel Insurance Agents Ltd. d.b.a. TuGo, a licensed insurance broker in British Columbia, Alberta, Saskatchewan, Manitoba and Ontario, represented by licensed insurance agents Kathleen S. Starko and Bradley G. Dance in New Brunswick, Nova Scotia and P.E.I. 11th Floor - 6081 No. 3 Road, Richmond, BC Canada V6Y 2B2. Insurance is underwritten by Industrial Alliance Insurance and Financial Services Inc., Industrial Alliance Pacific General Insurance Corporation and certain Lloyd's Underwriters, severally and not jointly.

‡ Vancity membership required for certain cash back rewards. Must have a Vancity deposit account to redeem for cash. Additional terms and conditions apply.

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

* Trademark of Visa Int., used under license.

1 You will earn more points per $1 on eligible purchases made with an enviro Visa Infinite Privilege card. Eligibility is based on the merchant code as classified in the Visa credit card network. Purchases made at merchants classified as (i) Grocery Stores; Freezer and Locker Meat Provisioners; Candy Stores; Dairy Product Stores; Bakeries; and Misc. Food Stores – Convenience Stores and Specialty Markets are “groceries”; (ii) Local/Suburban Commuter Passenger Transportation – Railroads; and Transportation Services Not Elsewhere Classified are “public transit and ferries”. Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classified by the Visa credit card network in another manner, in which case the accelerated earn rate will not apply.

2 Common Carrier Travel Accident and Travel Emergency Medical Insurance are insurance coverages underwritten by American Bankers Life Assurance Company of Florida (ABLAC) under Group Policy number VCVIL092019. All other insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy number VCVI092019. Price Protection Service and Emergency Travel Assistance Services are services only and not insurance and are provided by ABIC. ABIC and ABLAC, their subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. ® Assurant is a registered trademark of Assurant, Inc. Details of the coverage, including definitions, benefits, limitations, and exclusions are in the Certificate of Insurance and the Statement of Services provided with the card. Read the Certificate of Insurance and Statement of Services, then keep these documents in a safe place, and take them with you when you travel.

3 enviro Visa Infinite Privilege cardholders have access to participating lounges through the Visa Airport Companion Program (“Program”), hosted and managed by Dragonpass International Ltd. Cardholders must enroll for this benefit using a valid enviro Visa card to participate. Upon enrollment, six complimentary lounge visits will be available per membership year. Additional visits are subject to a fee per person per visit. Cardholders who participate in the Program are subject to the DragonPass Terms of Use, Terms of Service and Privacy Policy and Visa’s Privacy Notice. To view the full Terms and Conditions for the Program and more details on how to enroll, please visit visaairportcompanion.ca. The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor Vancity is responsible for any claims or damages arising from participation in the Program.

4 You must be an eligible Visa Infinite Privilege Cardholder with a valid Visa card to take advantage of the Visa Infinite Privilege Airport Benefits & Services. Visa Infinite Privilege Airport offer is subject to availability. Discounts and benefits are non-transferable and discounts cannot be combined with any other offer or discount. Visa reserves the right to modify or cancel this offer at any time and without notice. For more information, including airport-specific benefit details and conditions, please visit visainfinite.ca/privilege.

5 Vancity Rewards points and offers for Modo, JJ Bean and Fresh Prep are available to Vancity enviro Visa Infinite, Vancity enviro Visa Infinite Business and Vancity enviro Visa Infinite Privilege cardholders only. Vancity Rewards points and offers for Shift Delivery are available to Vancity enviro Visa Infinite Business cardholders only. Offers are based on availability, and additional terms and conditions may apply. Vancity, Modo, Shift Delivery, JJ Bean and Fresh Prep reserve the right to modify or cancel this offer at any time and without notice.

6 Credit Card Balance Protection Creditor's Group Insurance is underwritten by CUMIS® Life Insurance Company. CUMIS® is a trademark of CUMIS Insurance Society, Inc. and is used under license.

7 The language in this website may not be the same as the actual policy wording which will prevail in all instances and is available upon request. Certain exclusions, limitations and conditions may apply. TuGo is a registered trademark of and is administered by North American Air Travel Insurance Agents Ltd. d.b.a. TuGo, a licensed insurance broker in British Columbia, Alberta, Saskatchewan, Manitoba and Ontario, represented by licensed insurance agents Kathleen S. Starko and Bradley G. Dance in New Brunswick, Nova Scotia and P.E.I. 11th Floor - 6081 No. 3 Road, Richmond, BC Canada V6Y 2B2. Insurance is underwritten by Industrial Alliance Insurance and Financial Services Inc., Industrial Alliance Pacific General Insurance Corporation and certain Lloyd's Underwriters, severally and not jointly.

‡ Vancity membership required for certain cash back rewards. Must have a Vancity deposit account to redeem for cash. Additional terms and conditions apply.

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

* Trademark of Visa Int., used under license.

1 You will earn more points per $1 on eligible purchases made with an enviro Visa Infinite Business card. Eligibility is based on the merchant code as classified in the Visa credit card network. Purchases made at merchants classified as: (i) Electronics/Computers, Peripherals, and Software; Office Supplies/Stationery, Printing and Writing Paper; Electronic; and Hardware/Garden Centers are “office supplies”; (ii) Local/Suburban Commuter Passenger Transportation – Railroads; and Transportation Services Not Elsewhere Classified are “public transit and ferries”; and (iii) Taxicabs and Limousines; Bus Lines; Automobile Parking Lots and Garages; Railroads; Passenger Railways are “taxis, bus, parking and rail”. Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classified by the Visa credit card network in another manner, in which case this accelerated earn rate will not apply.

2 enviro Visa Infinite Business cardholders have access to participating lounges through the Visa Airport Companion Program (“Program”), hosted and managed by Dragonpass International Ltd. Cardholders must enroll for this benefit using a valid enviro Visa card to participate. All visits are subject to a fee per person per visit. Cardholders who participate in the Program are subject to the DragonPass Terms of Use, Terms of Service and Privacy Policy and Visa’s Privacy Notice. To view the full Terms and Conditions for the Program and more details on how to enroll, please visit visaairportcompanion.ca. The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor Vancity is responsible for any claims or damages arising from participation in the Program.

3 Vancity Rewards points and offers for Modo, JJ Bean and Fresh Prep are available to Vancity enviro Visa Infinite, Vancity enviro Visa Infinite Business and Vancity enviro Visa Infinite Privilege cardholders only. Vancity Rewards points and offers for Shift Delivery are available to Vancity enviro Visa Infinite Business cardholders only. Offers are based on availability, and additional terms and conditions may apply. Vancity, Modo, Shift Delivery, JJ Bean and Fresh Prep reserve the right to modify or cancel this offer at any time and without notice.

4 Common Carrier Travel Accident is insurance coverage underwritten by American Bankers Life Assurance Company of Florida (ABLAC) under Group Policy number VCVIL092019. All other insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy number VCVI092019. Emergency Travel Assistance Services are services only and not insurance and are provided by ABIC. ABIC and ABLAC, their subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. Details of the coverage, including definitions, benefits, limitations, and exclusions are in the Certificate of Insurance and the Statement of Services provided with the card. Read the Certificate of Insurance and Statement of Services, then keep these documents in a safe place, and take them with you when you travel.

5 Liability Waiver Insurance is underwritten by Chubb Company of Canada. Conditions, limitations and exclusions apply. Please read the Liability Waiver Insurance Certificate carefully.

6 The language in this website may not be the same as the actual policy wording which will prevail in all instances and is available upon request. Certain exclusions, limitations and conditions may apply. TuGo is a registered trademark of and is administered by North American Air Travel Insurance Agents Ltd. d.b.a. TuGo, a licensed insurance broker in British Columbia, Alberta, Saskatchewan, Manitoba and Ontario, represented by licensed insurance agents Kathleen S. Starko and Bradley G. Dance in New Brunswick, Nova Scotia and P.E.I. 11th Floor - 6081 No. 3 Road, Richmond, BC Canada V6Y 2B2. Insurance is underwritten by Industrial Alliance Insurance and Financial Services Inc., Industrial Alliance Pacific General Insurance Corporation and certain Lloyd's Underwriters, severally and not jointly.

‡ Vancity membership required for certain cash back rewards. Must have a Vancity deposit account to redeem for cash. Additional terms and conditions apply.

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

* Trademark of Visa Int., used under license.

1 You will receive an additional 1,000 Vancity Rewards points (“Spend Bonus”) when you spend $1,000 or more in eligible purchases within a statement period. The Spend Bonus will be credited to your account within 3 business days after the end of your statement period so long as the spend criteria has been met. Cash advances, cash-like transactions, interest charges and fees are not eligible purchases for the Spend Bonus, and any returned items, refunds, rebates or other similar credits on any eligible purchases resulting in the spend criteria not being met will reduce or cancel the Spend Bonus in Vancity’s sole discretion.

2 You will earn more points per $1 on eligible purchases made with enviro Visa Business card. Eligibility is based on the merchant code as classified in the Visa credit card network. For enviro Visa Business cards, purchases made at merchants classified as: (i) Electronics/Computers, Peripherals, and Software; Office Supplies/Stationary, Printing and Writing Paper; Electronic; and Hardware/Garden Centers are “office supplies”; (ii) Local/Suburban Commuter Passenger Transportation – Railroads; and Transportation Services Not Elsewhere Classified are “public transit and ferries”; and (iii) Taxicabs and Limousines; Bus Lines; Automobile Parking Lots and Garages; Railroads; Passenger Railways are “taxis, bus, parking and rail”. Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classified by the Visa credit card network in another manner, in which case the accelerated earn rate will not apply.

3 Purchase Security and Extended Warranty Insurance are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy number VC112021. ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. ® Assurant is a registered trademark of Assurant, Inc. Details of the coverage, including definitions, benefits, limitations, and exclusions are in the Certificate of Insurance provided with the card. Read the Certificate of Insurance then keep these documents in a safe place.

4 The language in this website may not be the same as the actual policy wording which will prevail in all instances and is available upon request. Certain exclusions, limitations and conditions may apply. TuGo is a registered trademark of and is administered by North American Air Travel Insurance Agents Ltd. d.b.a. TuGo, a licensed insurance broker in British Columbia, Alberta, Saskatchewan, Manitoba and Ontario, represented by licensed insurance agents Kathleen S. Starko and Bradley G. Dance in New Brunswick, Nova Scotia and P.E.I. 11th Floor - 6081 No. 3 Road, Richmond, BC Canada V6Y 2B2. Insurance is underwritten by Industrial Alliance Insurance and Financial Services Inc., Industrial Alliance Pacific General Insurance Corporation and certain Lloyd's Underwriters, severally and not jointly.

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

* Trademark of Visa Int., used under license.

 

© 2022 Vancouver City Savings Credit Union