enviro™ Visa* Business card

¹ This offer (the “Welcome Offer”) is only available to Vancity business members.. For any application, we will obtain your credit bureau report to confirm your eligibility for our product. Approval for a Vancity enviro Visa Business card (the “Account”) is subject to meeting the minimum income declaration requirements for the card. Your Account must be in good standing since your Account open date in order to qualify for the Welcome Points and Spend Bonus (defined below). The Welcome Offer may be changed, withdrawn or extended at any time, without notice, and cannot be combined with any other offer unless otherwise specified.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 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 January 4, 2024.

² You will receive 5,000 Vancity Rewards welcome points (the “Welcome Points”) only after the first eligible purchase is made on the Account. To receive the Welcome Points, you must make your first transaction within the first 90 days of opening your Account and your Account must be in good standing. Cash advances, cash-like transactions, balance transfers, and the amounts you pay in interest or other types of fees on your Account are not eligible purchases for the Welcome Points. Vancity reserves the right to determine what qualify as eligible purchases.

³ You will receive double the normal Vancity Rewards spend bonus points (the “Spend Bonus”) when you have a minimum monthly spend of $1,000 in the first three (3) months after Account opening. Specifically, you will receive 2,000 Vancity Rewards points each month when you spend $1,000 or more in eligible purchases within each statement period for the first three (3) months after Account opening. After the first three months, you will receive 1,000 Vancity Rewards points when you spend $1,000 or more in eligible purchases within a statement period. 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. The Spend Bonus will be credited to your account within 60 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. Additional terms and conditions apply.

^⁂ 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. 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.

^◊ 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 cardholders only. Offers are based on availability, and additional terms and conditions may apply. Vancity, Modo, JJ Bean and Fresh Prep 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.