enviro Gold Visa

enviro™ Gold Visa* card lets achieve your financial goals sooner, travel more often, redeem for merchandise or donate generously to your favorite charity. This card also gives you greater insurance coverage.

Even better, with each purchase you make good things happen in your community .

Apply now

Features and benefits

enviro Gold Visa card comes in a range of options to suit your needs, whether you’re looking for lower annual fees or a lower rate of interest.

For members who...

Don't expect to carry a balance and want the ability to earn reward points.

Typically carry a balance, want a low interest rate, and want the ability to earn reward points.

Carry a balance and want a low interest rate only.

Annual fee $99 $145 $45
Interest rate 19.5% 11.25% 11.25%
Rewards earn rate $1=1 point $1=1 point n/a
Bonus reward points
  • 2,500 points with your first purchase
  • 3,500 points upon each card anniversary
  • 2,000 points when you enrol at myvisarewardsplus.com
n/a
Additional benefits

Rewards for you and the things you care about

($100 spent = 100 reward points)

Examples of reward options¹ that can be redeemed after 12 months
If you spend...Vancity financial rewardsTravel³Merchandise³Charitable donations

$50
per day

Make a $180² deposit into your RRSP Jumpstart® Savings account.

Enjoy a one-night stay for two at a four-star hotel in Whistler, BC.

Get seven X $25 gift cards for Chapters Indigo.

Make a $180² donation towards your favourite cause. We'll send you a tax receipt.

$100
per day

Take an extra $360 off your Vancity mortgage².

Check out how you can use your reward points towards Vancity financial products.

Put $360² towards your next dream vacation.

Get a brand-name electronic reader with Wi-Fi and 3G connectivity.

Make a $360² donation towards your favourite cause. We'll send you a tax receipt.

Insurance coverage4

Extended warranty

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

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 for up to the value of the rental car, and reasonable loss of use amounts if the rental car is damaged or stolen, to a maximum of $65,000.

Purchase security insurance

Most items you buy with your enviro Gold Visa card may be repaired, replaced, rebuilt, or reimbursed in the event of theft or damage for 90 days from the purchase date.

Delayed and lost baggage insurance

When you use your enviro Gold Visa card to purchase your common carrier ticket and your baggage is delayed for up to four days after arriving at your destination, you may be reimbursed for the cost to replace essential items purchased before your baggage is returned, up to a maximum of $1000 per person per trip. In the event the common carrier does not locate your baggage, you may be reimbursed for the portion of the replacement cost of lost personal property that is not covered by the common carrier or other insurance, to a maximum of $1000 per person per trip.

Travel accident insurance

You, your spouse, and dependent children may receive up to $500,000 for accidental bodily injury on a covered trip when you use your enviro Gold Visa card to purchase at least 75% of the common carrier fare.

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 for the difference to a maximum of $1,000 in any calendar year.

Make Good Money™

When you choose and use an enviro Visa card, you earn great rewards, while making good things happen in your community through the enviroFund™ granting program.

Just by using your card for daily transactions, you ensure every year a portion of Vancity enviro Visa card's profits are distributed back to your local community. We call it Good Money.

enviro Visa cardholders

General inquiries and lost or stolen cards?
1.800.611.8472 or 604.877.4999

Redeem your reward points at myvisarewardsplus.com

¹ Reward options are for illustrative purposes only and will vary. Browse myvisarewardsplus.com for the most current and the full selection of reward options.
² Rounded to the nearest ten dollars.
³ Travel and merchandise rewards are redeemable through myvisarewardsplus.com or My Visa Rewards Plus Program Service
4Certain definitions, benefits, limitations, and exclusions apply to all enviro Gold Visa card insurance coverage. You will receive a copy of the Certificate of Insurance that describes the insurance coverage in more detail. The insurance coverage is subject to change or cancellation without notice. Extended Warranty, Purchase Security Insurance, Auto Rental Collision/Loss Damage, and Delayed & Lost Baggage Insurance are underwritten by American Bankers Insurance Company of Florida and Travel Accident Insurance is insurance coverage underwritten by American Bankers Life Assurance Company of Florida. The Price Protection Serviceis a service provided by American Bankers Insurance Company of Florida.

™ enviro, enviroFund, Make Good Money, and Vancity are trademarks of Vancouver City Savings Credit Union.
*Trademark of Visa Int., used under license.