enviro™ Visa* Business card
Earn rewards with no annual fee.
Spend more, earn more.
Every time you use this credit card, you’ll earn:
- 2.5 points for every $1 spent on public transit, ferries, buses, taxi, rail and parking◊
- 1 point for every $1 spend on office supplies, hardware supplies, electronics and more◊
- 0.5 points for every $1 spent on all other purchases
- 2 times the points on flights, hotels, and car rentals booked through rewards.vancity.com
- You get to choose what you want to redeem your rewards for: cash back,‡ travel, charitable donations, or gift cards.
$0
19.50%Δ
$0 for up to 10 cards
Earn an additional 1,000 points when you spend $1,000 or more each statement period ($120 rewards value annually)⁂
- Extended warranty insurance§
- Purchase security insurance§
Annual fee | $0 |
|---|---|
Interest rate | 19.50%Δ |
Supplementary or additional cards | $0 for up to 10 cards |
Spend Bonus | Earn an additional 1,000 points when you spend $1,000 or more each statement period ($120 rewards value annually)⁂ |
Purchase coverage |
|
For additional fees and information, see cardholder agreement.
Calculate your benefits.
Based on an average monthly spend of $2,000.
Purchases from office suppliers, hardware and gardening stores, electronics providers and more.
Public transit, ferry, bus, taxi, rail and parking
Includes flights, hotels, and car rentals.
The estimated Vancity Rewards points you could earn in a year based on your indicated monthly spend and card features.
| Office supplies $700 x 1 points × 12 months | 8,400 |
|---|---|
| Transit $150 x 2.5 points × 12 months | 4,500 |
| Travel booked with Vancity Rewards $50 x 1 points × 12 months | 600 |
| Other purchases $1,100 x 0.5 points × 12 months | 6,600 |
| $1,000+ statement spend bonus ⁂ 1,000 points x 12 months | 12,000 |
| Yearly points earned† | 32,100 ($321 value) |
Eligibility.
You’re a Vancity business member
You’re a small to medium-sized business
You’re a sole proprietor, partnership, limited company or co-operative or not-for-profit organization
If you’ve declared bankruptcy in the last seven 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 as 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.
How to apply.
To apply for a business credit card, give us a call or book an appointment.
Metro Vancouver: 604-877-7000
Greater Victoria: 250-519-7000
Toll-free: 1-888-826-2489
Tools for your business.
- Track your transactions and trends
Use Visa Spend Clarity for Business to track your enviro Visa card transactions and trends and create customized alerts and reports. - Set up custom card-activity alerts
Decide where, when and how employees use your enviro Visa card and set up custom card-activity alerts with Visa Spend Clarity for Business. Mobile fees may apply, depending on your messaging plan. - Unlock discounts
Enroll your enviro Visa card in Visa SavingsEdge* and unlock discounts at participating merchants, no coupons or codes required.
Great perks, no matter the card.
enviro Visa card features
Security and protection
enviro Visa card features
All our business credit cards come with these features:
- A 21-day interest-free grace period on new purchases
- Tap to pay with your enviro Visa card, Apple Pay or Google Pay
- 24-hour cash advances through any ATM displaying the Visa symbol
- Card Services, available 24/7 to help you with your enviro Visa account
- Lock and unlock your card, set card usage rules with card controls, and set up alerts
- 5% of profits from all enviro Visa cards support the Vancity enviroFund™ program every year
Security and protection
More to discover.
Not sure this is the right card for you? Keep exploring.
This offer (the “Welcome Offer”) is only available to British Columbia residents and if you are at least 19 years old. For any application, we will obtain your credit bureau report to confirm your continuing eligibility for our product. Approval for a Vancity enviro Visa Business card (the “Account”) is subject to meeting the minimum personal income declaration requirements for the card. Additional terms and conditions apply. Your Account must be in good standing since your Account open date in order to qualify for the Spend Bonus. The Welcome Offer and Spend Bonus may be changed, withdrawn or extended at any time, without notice, and cannot be combined with any other offer unless otherwise specified. This Welcome Offer and Spend Bonus is not available to existing cardholders and cardholders who have activated and/or closed a Vancity enviro Visa Account in the last 12 months. Must apply by June 30, 2026.
With the Vancity enviro™ Visa Business Welcome Offer (the “Welcome Offer”), eligible applicants may earn up to 20,000 Vancity Rewards points (up to a $200 value) when they apply for a Vancity enviro™ Visa Business credit card (the “Account”) during the Offer Period, are approved, and satisfy all applicable terms and conditions. The Welcome Offer is comprised of the Welcome Bonus, Spend Bonus and Ongoing Monthly Spend Bonus, as detailed below
You will receive 5,000 Vancity Rewards ($50 value) welcome points (the “Welcome Points”) only after the first eligible purchase is made on the Account. The first purchase Welcome Bonus will be credited to your account within 7 business days after your first purchase. Cash advances, cash-like transactions, interest charges and fees are not eligible purchases for the first purchase bonus, and any returned items, refunds, rebates, or other similar credits on any eligible purchases resulting in the first purchase criteria not being met will reduce or cancel the first purchase Welcome Bonus in Vancity’s sole discretion. To receive the Welcome Points, your account must be in good standing and you must make your first transaction within the first 90 days of opening your account. Limit one first purchase welcome bonus per account.
You will receive 2,000 Vancity Rewards points ($20 value) per statement period (the “Spend Bonus”) when at least $1,000 in Eligible Purchases is made during each of the first 3 statement periods following Account opening, for up to 6,000 Vancity Rewards points ($60 value). A Spend Bonus with a $60 rewards value is calculated based on a monthly spend of $1,000 or more in eligible purchases each statement period for the first three months (statement periods) after Account opening, which would earn a total of 6,000 points.
You will receive an ongoing monthly spend bonus after the first 3 statement period additional 1,000 Vancity Rewards points (“Spend Bonus”) when you spend $1,000 or more in eligible purchases within a statement period. For the purpose of the welcome offer, we calculate calculated the Spend Bonus based on a 9- month period starting 3 statement periods after account opening. A maximum Spend Bonus of 9,000 Vancity Rewards points ($90) value is available to be earned in the first year. However, the monthly spend bonus will continue beyond the 12-month period.
The Spend Bonus will be credited to your account within 60 days after the spend criteria has been met. Terms and conditions apply. Points are earned based on the dollar amount of Purchases you make on your Card. 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. Cash Advances, Cash-Like Transactions, Balance Transfers, writing Visa Cheques or for the amounts you pay in interest, annual fees or any other types of fees on your Visa Account are not eligible purchases for the Spend Bonus. Vancity reserves the right to determine what qualify as eligible purchases.
A Spend Bonus with a $120 rewards value is calculated based on a monthly spend of $1,000 or more in eligible purchases, for 12 months (statement periods), which would earn a total of 12,000 Rewards points. 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.
Trademark of Visa Int., used under license
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.
Yearly rewards and benefits value and points earned are merely estimates for illustrative purposes only. Actual points earned may vary depending on card usage as outlined in the Vancity Rewards Program Terms and Conditions. Fees and interest charges may also vary depending on card usage and if you are a Vancity member as outlined in the Credit Card Agreement. Rewards and benefits are subject to change at any time without notice. See vancity.com/VisaAgreements for more information. The applicability of the information in the calculator, and the accuracy of rewards and benefits value and points earned, are not guaranteed.
Vancity membership required for certain cash back rewards. Must have a Vancity deposit account to redeem for cash back. Additional terms and conditions apply.
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.
Vancity Rewards points and offers for Modo, JJ Bean and Fresh Prep are available to Vancity enviro Visa Infinite, Vancity enviro Visa Infinite Privilege and Vancity enviro Visa Infinite Business cardholders only. Vancity Rewards 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, JJ Bean, Fresh Prep and Shift Delivery reserve the right to modify or cancel this offer at any time and without notice.
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.
You will benefit from an interest-free grace period of 21 days on new purchases and fees appearing on your statement. If you pay off the balance showing on your statement in full by the payment due date, no interest will be payable on all new purchases that appear on your statement for the first time. There is no interest-free grace period on cash advances and balance transfers. Interest rates and fees are subject to change without notice. See the Vancity Credit Card Agreement and Disclosure Statement for more details.
Manage your card
Give us a call
Card Services 24/7
Metro Vancouver: 604-877-4999
Toll-free: 1-800-611-8472
Apply now
Metro Vancouver: 604-877-4999
Report a 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)