Credit cards

Explore your world with enviro™ Visa.*

Discover the lineup.

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What will you use the card for?

What is most important to you?

What do you plan to spend monthly?

enviro Visa Infinite* card

$120annual fee

19.50%^Δinterest rate

Earn 1.25 to 10 Vancity Rewards points per $1 spent

Welcome offer: Get up to $390 in rewards value in your first year. Terms and conditions apply.

Apply now Learn more

Yearly points earned

Here's what we estimate you could earn in a year based on your monthly spend of $2,000.

Groceries $700 × 2.5 points x 12 months	21,000
Transit $150 × 5 points x 12 months	9,000
Local business partners $100 × 10 points x 12 months	12,000
Travel booked with Vancity Rewards $50 × 2.5 points x 12 months	1,500
Other (gas, subscriptions, etc.) $1,000 × 1.25 points x 12 months	15,000
Total points earned	58,500

Apply now

enviro Visa* Gold card

$99annual fee

19.50%^Δinterest rate

Earn 1 Vancity Rewards point per $1 spent

Welcome offer: Get up to $234 in rewards value in your first year. Terms and conditions apply.

Apply now Learn more

Yearly points earned

Here's what we estimate you could earn in a year based on your monthly spend of $2,000.

Groceries $700 × 1 points x 12 months	8,400
Transit $150 × 1 points x 12 months	1,800
Local business partners $100 × 1 points x 12 months	1,200
Travel booked with Vancity Rewards $50 × 2 points x 12 months	1,200
Other (gas, subscriptions, etc.) $1,000 × 1 points x 12 months	12,000
Total points earned	24,600

Apply now

enviro Visa* Classic card

$0annual fee

19.5%^Δinterest rate

Earn 1 Vancity Rewards point per $2 spent

Welcome offer: Get up to $50 in rewards value in your first year. Terms and conditions apply.

Apply now Learn more

Yearly points earned

Here's what we estimate you could earn in a year based on your monthly spend of $2,000.

Groceries $700 × 0.5 points x 12 months	4,200
Transit $150 × 0.5 points x 12 months	900
Local business partners $100 × 0.5 points x 12 months	600
Travel booked with Vancity Rewards $50 × 1 points x 12 months	600
Other (gas, subscriptions, etc.) $1,000 × 0.5 points x 12 months	6,000
Total points earned	12,300

Apply now

enviro Visa Infinite Privilege* card

$245/$395member/non-member annual fee

19.5%^Δinterest rate

Earn 1.5 to 10 Vancity Rewards points per $1 spent

Welcome offer: Get up to $785 in value in your first year. Terms and conditions apply.

Apply now Learn more

Yearly points earned

Here's what we estimate you could earn in a year based on your monthly spend of $2,000.

Groceries $700 × 3 points x 12 months	25,200
Transit $150 × 5 points x 12 months	9,000
Local business partners $100 × 10 points x 12 months	12,000
Travel booked with Vancity Rewards $50 × 3 points x 12 months	1,800
Other (gas, subscriptions, etc.) $1,000 × 1.5 points x 12 months	18,000
Total points earned	66,000

Apply now

enviro Visa* Classic card

$50annual fee

11.25%^Δinterest rate

Earn 1 Vancity Rewards point per $2 spent

Welcome offer: First-year $50 annual fee waived for new cardholders. Terms and conditions apply.

Apply now Learn more

Yearly points earned

Here's what we estimate you could earn in a year based on your monthly spend of $2,000.

Groceries $700 × 0.5 points x 12 months	4,200
Transit $150 × 0.5 points x 12 months	900
Local business partners $100 × 0.5 points x 12 months	600
Travel booked with Vancity Rewards $50 × 1 points x 12 months	600
Other (gas, subscriptions, etc.) $1,000 × 0.5 points x 12 months	6,000
Total points earned	12,300

Apply now

enviro Visa* Gold card

$145annual fee

11.25%^Δinterest rate

Earn 1 Vancity Rewards point per $1 spent

Welcome offer: Get up to $205 in rewards value in your first year. Terms and conditions apply.

Apply now Learn more

Yearly points earned

Here's what we estimate you could earn in a year based on your monthly spend of $2,000.

Groceries $700 × 1 points x 12 months	8,400
Transit $150 × 1 points x 12 months	1,800
Local business partners $100 × 1 points x 12 months	1,200
Travel booked with Vancity Rewards $50 × 2 points x 12 months	1,200
Other (gas, subscriptions, etc.) $1,000 × 1 points x 12 months	12,000
Total points earned	24,600

Apply now

enviro Visa* Classic card

$25annual fee

11.25%^Δinterest rate

Our low interest card without Vancity Rewards.

Welcome offer: Get your first year $25 annual fee waived. Terms and conditions apply.

Apply now Learn more

enviro Visa* Gold card

$45annual fee

11.25%^Δinterest rate

Our low interest card without Rewards.

Welcome offer: Get your first year $45 annual fee waived. Terms and conditions apply.

Apply now Learn more

Reasons to love Vancity Rewards.

Get the same rewards value

Every 100 Vancity Rewards points gets you $1 in value, no matter what you choose to redeem your points for.

Diverse reward options

Choose what you want to redeem your rewards for: cash back,^‡ travel, charitable donations, or gift cards.

Flexible travel

Earn double rewards when you use your Visa card to book flights, hotels, and car rentals through rewards.vancity.com. No blackout dates or booking fees.

No cap on rewards

Keep earning points at the same great rate with no maximum limit.

Discover Vancity Rewards

Change the world with every purchase.

Every time you use your enviro Visa credit card, 5% of profits go to fund environmental initiatives through the Vancity enviroFund^TMprogram. No matter which card you choose, you’re helping us power change-makers and fight climate change.

Read enviroFund stories

Questions? We have answers.

Please call us right away so that we can cancel your card and send you a new one.

Report a lost or stolen card:

Metro Vancouver: 604-708-7810
Toll-free: 1-888-990-9691
International toll-free number (outside of Canada and the US): IAC-800-500-0707-0
(IAC = International Access Code, varies by country)

If you can’t speak to us immediately, please log in to Manage my Visa card , and go to “Manage card controls” to lock your card and block card usage.

To lock your card and temporarily block all transactions, log in to Manage my Visa card , go to “Manage card controls,” and hit the card lock/unlock toggle.

To unlock your card, hit the toggle again.

If you’re unable to find your card, call us at 1-888-990-9691 to report it as lost.

Please note recurring transactions, fees and interest will continue to be processed even if your card is locked.

If you’re a Vancity member, you can pay your enviro Visa card bill online or by mobile app. To do this, you need a login to digital banking and first add your enviro Visa account as a Payee. For detailed steps check out our learning hub.

If you’re not a member yet, you can set up payment through your current financial institution. Please allow three to four days for processing.

If you suspect there has been an incorrect charge on your credit card statement, you must contact the merchant first as they can often correct the mistake and resolve the issue and/or provide a refund.

If you were unable to resolve the issue directly with the merchant, follow these steps to initiate a dispute:

Retail Cardholders:

You can initiate a transaction dispute in digital banking by following these steps:

Log in to digital banking.
Click your linked credit card associated with the transaction in question.
Once on the “Visa Card Activity” page, click the “Manage My Visa Card” tab.
Select “Transaction Dispute (Non-Fraud)” from the list of self-service options.
Complete the Transaction Dispute form.

Alternatively, you can initiate a transaction dispute by contacting Card Services by calling 604-877-4999 or toll-free 1-800-611-8472.

Business Cardholders:

To initiate a transaction dispute, you must contact Card Services by calling 604-877-4999 or toll-free 1-800-611-8472.

For more information on how to dispute a transaction on your enviro Visa card check out our learning hub.

Personal cardholders (Primary Cardholders only):

To switch your enviro Visa Classic, enviro Visa Gold, enviro Visa Infinite, or enviro Visa Infinite Privilege card to a different personal use Visa product, you can complete a Product Change Request Form in digital banking.

You can initiate a product change request in digital banking by following these steps:

Log on to digital banking.
Click your linked credit card that you want to change or upgrade.
Once on the “Visa Card Activity” page, click the “Manage My Visa Card” tab.
Select “Product Change Request” from the list of self-service options.
Complete the Product Change Request form.

Alternatively, you can initiate a product change request by contacting Card Services by calling 604-877-4999 or toll-free 1-800-611-8472 or contact your local community branch to change your card.

Business Cardholders (Account Administrators only):

To initiate a product change request, you must contact Card Services by calling 604-877-4999 or toll-free 1-800-611-8472 .

For more information on how to switch to a different enviro Visa card, visit our learning hub.

If you’re the Primary Cardholder or an Account Administrator, there are two ways you can change your PIN:

If you’re an Authorized User, you will need to call to change your PIN. You won’t be able to do it online.

How to change your PIN online (for Primary Users and Account Administrators)

Log in to Manage my Visa card.
Select “change PIN” from the “I want to…” menu.
Enter your new PIN. Confirm your PIN and select “Submit” to update your PIN.
You should get an email notification that your password has been updated.

How to change your PIN by phone (for Primary Users, Account Administrators and Authorized Users)

Call us at 604-877-4999 or 1-800-611-8472 (toll-free) and follow the prompts to change your PIN.
Enter your 16-digit account number, date of birth and phone number associated with the account to verify your identity.
Enter in the PIN currently associated with your card.

You may also want to know…

If you’ve forgotten your PIN, you’ll need to request a new one. Call Card Services, available 24/7, at 604-877-4999 or 1-800-611-8472 (toll-free). We’ll mail you a new PIN, which should arrive within 5 to 7 business days.

Before you change your credit limit, check to see if you have the appropriate account access and responsibility to make the request:

Personal cards:

Only Primary Cardholders can request credit limit changes for these cards:

enviro Visa Classic
enviro Visa Gold
enviro Visa Infinite
enviro Visa Infinite Privilege

To change your credit limit, you can complete a Credit Limit Request Form in digital banking.

You can initiate a request to change your credit limit in digital banking by following these steps:

Log on to digital banking.
Click your linked credit card you want to change the limit on.
Once on the “Visa Card Activity” page, click the “Manage My Visa Card” tab.
Select “Credit Limit Request” from the list of self-service options.
Complete the Credit Limit Request form.

Alternatively, you can initiate a request to change your credit limit by making an appointment or contacting Card Services by calling 604-877-4999 or toll-free 1-800-611-8472.

Business cards:

Both the Authorized Signatory and the Guarantor must authorize and sign for the credit limit change if you have one of these business cards:

enviro Visa Business
enviro Visa Infinite Business

Changes to business cards require an appointment.

To change your credit limit or make an appointment, call us at 604-877-4999 or toll-free 1-800-611-8472 . We’re available 24 hours a day, 7 days a week.

For more information on how to change your enviro Visa card credit limit, check out our learning hub .

You can order supplementary cards (additional cards) for Authorized Users, such as friends or family members. Each supplementary card will have the Authorized User’s name on it and their own unique credit card number.

Supplementary cards are part of the Primary Cardholder’s Visa account and the transactions will appear on their statement. Vancity will only take instructions about enviro Visa accounts from the Primary Cardholder.

Authorized Users will be able to tell us if their card has been lost, stolen or used without their authority. They can also view their transactions in digital banking. If they’re Vancity members with Personal banking, they can also view transactions in the mobile app.

It’s important to note that Authorized Users don’t build credit history by using their card.

You can find more information about supplementary cards, including how many you can add and any fees that may apply, by visiting the page for your specific credit card.

For more information or to order supplementary cards for your account:

No, we have fraud detection systems in place to protect your accounts from suspicious or unauthorized transactions.

We recommend making sure your contact information is up to date in digital banking or Manage my Visa card in case we need to reach you at home or while travelling.