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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

Benefits¹:

Travel accident insurance up to $200,000
Extended warranty
Purchase security coverage

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

Benefits¹:

Auto rental/loss damage insurance
Travel accident insurance up to $500,000
Extended warranty
Purchase security coverage
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

Benefits¹:

Travel accident insurance up to $200,000
Extended warranty
Purchase security coverage

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

Benefits¹:

Auto rental/loss damage insurance
Travel accident insurance up to $500,000
Extended warranty
Purchase security coverage
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

Benefits¹:

Travel accident insurance up to $200,000
Extended warranty
Purchase security coverage

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

Benefits¹:

Auto rental/loss damage insurance
Travel accident insurance up to $500,000
Extended warranty
Purchase security coverage
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

Benefits¹:

Auto rental/loss damage insurance
Travel accident insurance up to $500,000
Extended warranty
Purchase security coverage
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

Benefits¹:

Extended warranty
Purchase security coverage

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

Benefits¹:

Auto rental/loss damage insurance
Travel accident insurance up to $500,000
Extended warranty
Purchase security coverage
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 options¹

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

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

Travel accident insurance

You, your spouse and your dependent children have up to $200,000 in travel accident coverage for specified losses while traveling by common carrier when you purchase at least 75% of the common carrier fare with your enviro Visa card.

Extended warranty

Extend the manufacturer's Canadian warranty by up to one year on most items purchased with your enviro Visa card.

Purchase security insurance

Most items you buy with your enviro Visa card will be protected in the event of direct physical damage or theft for 90 days from the purchase date.

See the full details of your credit card coverage and and how to make a claim in the Certificate of Insurance.

Auto rental collision / loss damage insurance

When you rent a car for up to 48 consecutive days, decline the rental agency's collision damage waiver and charge the full cost of the rental to your enviro Gold Visa card, you may be covered if the rental car is damaged or stolen.

Travel accident insurance

You, your spouse and dependent children have up to $500,000 in travel accident coverage for specified losses while traveling by common carrier when you purchase at least 75% of the common carrier fare with your enviro Visa card.

Extended warranty

Extend the manufacturer's Canadian warranty by up to one year on most items purchased with your enviro Visa card.

Purchase security insurance

Most items you buy with your enviro Visa card will be protected in the event of direct physical damage or theft for 90 days from the purchase date.

Delayed and lost baggage insurance

If you purchase your common carrier fare with your enviro Gold Visa card and your baggage is delayed on your way to your destination for more than 6 hours, you may be reimbursed for the cost of essential items for up to 4 days.

Price protection service

If you charge the full cost of an eligible product to your enviro Gold Visa card and then find it for a lower written advertised price within 60 days from the date of purchase, you may be reimbursed the difference.

See the full details of your credit card coverage and and how to make a claim in the Certificate of Insurance.

Auto rental collision / loss damage insurance

When you rent a car for up to 48 consecutive days, decline the rental agency's collision damage waiver and charge the full cost of the rental to your enviro ExpenseGold Visa card, you may be covered if the rental car is damaged or stolen.

Travel accident insurance

Extended warranty

Extend the manufacturer's Canadian warranty by up to one year on most items purchased with your enviro Visa card.

Purchase security insurance

Most items you buy with your enviro Visa card will be protected in the event of direct physical damage or theft for 90 days from the purchase date.

Delayed and lost baggage insurance

If you purchase your common carrier fare with your enviro ExpenseGold Visa card and your baggage is delayed on your way to your destination for more than 6 hours, you may be reimbursed for the cost of essential items for up to 4 days.

See the full details of your credit card coverage and and how to make a claim in the Certificate of Insurance.

Extended warranty

Extend the manufacturer's Canadian warranty by up to one year on most items purchased with your enviro Visa Reloadable Prepaid card.

Purchase security insurance

Most items you buy with your enviro Visa Reloadable Prepaid card will be protected in the event of direct physical damage or theft for 90 days from the purchase date.

See the full details of your credit card coverage and and how to make a claim in the Certificate of Insurance.

All of our enviro Visa cards include:

Travel accident insurance
You, your spouse and dependent children have up to $200,000 in travel accident coverage for specified losses while traveling by common carrier when you purchase at least 75% of the common carrier fare with your enviro Visa card.
Extended warranty
Extend the manufacturer's Canadian warranty by up to one year on most items purchased with your enviro Visa card.
Purchase security insurance Most items you buy with your enviro Visa card will be protected in the event of direct physical damage or theft for 90 days from the purchase date.

If you choose an enviro Gold Visa card, you will have up to $500,000 in travel accident insurance coverage and these additional benefits:

Delayed and lost baggage insurance
If you purchase your common carrier fare with your enviro Gold Visa card and your baggage is delayed on your way to your destination for more than 6 hours, you may be reimbursed for the cost of essential items for up to 4 days.
Auto rental collision / loss damage insurance
When you rent a car for up to 48 consecutive days, decline the rental agency's collision damage waiver and charge the full cost of the rental to your enviro Gold Visa card, you may be covered if the rental car is damaged or stolen.
Price protection service
If you charge the full cost of an eligible product to your enviro Gold Visa card and then find it for a lower written advertised price within 60 days from the date of purchase, you may be reimbursed the difference.

A 21-day interest-free grace period on new purchases

Add up to 4 additional cards (Authorized Users) on your account

Tap to pay with your enviro Visa card or Apple Pay

24-hour cash advances through any ATM displaying the Visa symbol

Card Services is available 24/7 to assist you with your enviro Visa account

Eligible for automatic and recurring payments

Keep tabs on your enviro Visa account activity, monitor your spending and more through Vancity enviro Visa alerts.

Visa security and protection

Lost or stolen card protection
Protection against unauthorized purchases and 24/7 fraud monitoring
Emergency card and cash replacement services
One simple login to pay for online purchases with Visa Checkout*
Chip and PIN # enabled

A 21-day interest-free grace period on new purchases

Add up to 8 additional cards (Authorized Users) on your account.

Tap to pay with your enviro Visa card or Apple Pay

24-hour cash advances through any ATM displaying the Visa symbol

Card Services is available 24/7 to assist you with your enviro Visa account

Eligible for automatic and recurring payments

Visa security and protection

Lost or stolen card protection
Protection against unauthorized purchases and 24/7 fraud monitoring
Emergency card and cash replacement services
One simple login to pay for online purchases with Visa Checkout*
Chip and PIN # enabled

Security. Enjoy the safety of having your funds on an enviro Visa Reloadable Prepaid card so you no longer need to worry about carrying around large sums of cash.

Ability to reload funds on your card.

Worldwide acceptance. Accepted at millions of merchants worldwide, wherever the Visa cards are electronically accepted.

Online account access. Track your spending and card balance online for free.

24-hour cash advances through any ATM displaying the Visa symbol.

Card Services is available 24/7 to assist you with your enviro Visa account.

Eligible for automatic and recurring payments.

Visa security and protection

Lost or stolen card protection
Protection against unauthorized purchases and 24/7 fraud monitoring

Flexible and affordable. For a purchase price of just $2, you can load as little as $25 or up to $1,000 per card.

Convenient and user friendly. Recipients can enjoy spending the card wherever Visa cards are accepted electronically².

The balance never expires. Funds never expire, even though the Visa Gift Card may expire. Registered cards can be replaced if lost or past the Good Thru date by calling 1-866-315-7728.

Environmentally friendly. The enviro Visa Gift Card is made from 55% recycled plastic and produced in an environmentally-accredited facility.

Worldwide acceptance. Accepted at millions of merchants worldwide, wherever the Visa cards are electronically accepted.

Visa security and protection

Lost or stolen card protection
Protection against unauthorized purchases and 24/7 fraud monitoring³

A 21-day interest-free grace period on new purchases

Tap to pay with your enviro Visa card or Apple Pay

24-hour cash advances through any ATM displaying the Visa symbol

Card Services is available 24/7 to assist you with your enviro Visa account

Eligible for automatic and recurring payments

Visa security and protection

Lost or stolen card protection
Protection against unauthorized purchases and 24/7 fraud monitoring
Emergency card and cash replacement services
One simple login to pay for online purchases with Visa Checkout*
Chip and PIN # enabled

Balance protection insurance

Balance protection insurance² helps protect your finances when the unexpected happens.

Travel insurance

Before your next trip out of the province or country, protect yourself from unexpected emergencies with TuGo™ Travel Insurance³.

Enhanced security services

Get extra protection to help you detect fraud, monitor your credit and keep private information more secure.

Learn more

Cardholder Fees	Amount
Purchase Fee	$14.95 paid only when the Card is originally purchased.
Maintenance Fee	$4.95 per month (or the remaining balance on the Card, if less than $4.95). If you are a Vancity member, this fee is waived.
ATM Fee (Canada)	$1.00 charged each time you withdraw funds from an ATM in Canada. Additional fees may be charged by the ATM service provider.
ATM Fee (outside of Canada)	$2.00 charged each time you withdraw funds from an ATM outside of Canada. Additional fees may be charged by the ATM service provider.
Over the Counter Cash Advance Fee	$2.00 charged each time you use the Card to obtain cash from a financial institution that issues Visa cards.
Foreign Transaction Fee	2.50% of the amount of the foreign transaction. If we pay for a foreign transaction in Canadian currency, the Card will be charged the same conversion rate we are required to pay, plus an administation fee of 2.5% of the converted amount. This fee applies to both debits and credits and is not refundable in the event of termination of the Card.
Card Closure and Balance Return Fee	$10.00 charged if you close your Card account and request we return the Card Balance to you.

Fees are not refundable. Fees will be deducted from the Card balance.

Card Limits	Amount
Maximum card balance at any one time	$10,000
Maximum load amount for life of card (2 years)	$40,000
Maximum load per transaction	$2,500
Minimum load per transaction	$25
Cash withdrawal limits - You are limited in the amount of cash and number of transactions for cash withdrawals. Per 30 days (over a maximum of 10 transactions) Maximum per transaction Minimum per transaction	$2,500 $500 $20
Maximum Card-to-Card transfer limit per transaction	$1,000
Maximum Card-to-Card trasfer limit in any 24 hour period	$2,000
Maximum Card-to-Card transfer in any 24 hour period	$5
Maximum Card-to-Card transfer limit in any 30 day period	$10,000
Authorization tolerances When using your Card at certain mechants, your Card balance must be greater than the purchase price by the percentage listed below:
Merchant Category Restaurants, cruise lines, taxis and limousines, health and beauty spas: Hotels: Car rental:	Tolerance (% of Value) 15% 15%^✝ 20%^✝

Subject to change by the Bank in accordance with the Cardholder Agreement. For terms and conditions or more information, please visit myreloadable.ca or call 1.866.760.1543

^✝Authorizations can reduce your Card balance for up to 30 days and may vary by merchant.

This card is issued by Vancity Community Investment Bank™, a subsidiary of Vancouver City Savings Credit Union.

Here's some helpful information you should know:

Always know your balance. Check your card balance before making a purchase at mybalance.ca or call toll-free 1-866-315-7728 as merchants cannot access this information
Online purchases. Register your card at mybalance.ca for online transactions. Due to security features, we can't guarantee your card will work on every website. This card cannot be used for online gambling or recurring payments
Making a purchase for more than the balance on the gift card. If your purchase is greater than the balance on the card, advise the merchant in advance that you wish to pay with two forms of payment (also known as a split payment) as not all merchants accept multiple forms of payments for a single transaction. If the merchant can process the transaction, ensure you tell them how much to charge on the Visa Gift Card first. If the merchant tries to put through the transaction on your gift card for an amount greater than your balance, the transaction will be declined
Restaurants and other selected merchants. When using your Vancity Gift Card at restaurants and other service-oriented merchants where tips are given, they will pre-authorize your card so that it covers the bill, plus a 15% estimated tip amount. If the balance on your Vancity Gift Card is less than the bill and the 15% tip, your card will be declined. The total you will pay is only the actual tip amount you would like to leave, plus the amount owing. This same tipping allowance applies to hotels, taxis/limousines, health and beauty spas and cruise lines
Car rentals. Ensure you have enough on your Vancity Gift Card for a 20% mark-up in addition to the amount owing. We do not recommend using your card at car rental agencies or hotels as it may take up to 30 days for any pre-authorized amount to be cleared and added back to your available balance
Merchandise returns are subject to the policy of the merchant. You should always keep your card and purchase receipt in case of returns. If you return merchandise and receive a credit on your card, it can take two to three days for the funds to appear on your balance.
Unattended terminals. Your Vancity Gift Card may not work at unattended terminals including parking lots, pay at the pump and payphones. For fuel purchases, please pay inside at the cashier

Move your balance and pay less interest

You may be worrying about how to deal with high interest credit card debt – especially if you're carrying balances on cards with department stores, gas stations or cards from another financial institution that could have annual interest rates as high as 29.9%.

Stop worrying and relieve stress – move your outstanding balances from other high-interest rate credit cards to an enviro Visa card. You'll simplify your monthly payments and save big on interest to pay off your balance faster.

It's easy to do and best of all there's no fee.

Learn more

Apply online

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

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

Apply in person

Visit your nearest community branch.

Find a 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

Apply in person

Visit your nearest community branch.

Don't want to set up a term deposit but still want a secure and convenient way to pay?
Consider applying for an enviro Visa Reloadable Prepaid card.

Purchase in person

Visit your nearest community branch.

Still deciding?

Browse cards

I have a card already

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

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.