enviro™ Visa* Classic card

Earn rewards with no annual fee.

Apply now

Spend more, earn more.

Every time you use this credit card, you’ll earn:

1 point for every $2 spent on all 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.

View all Vancity Rewards

Annual fee

Interest rate

19.50%^Δ

Supplementary or additional cards

$0 for up to 4 cards

Travel coverage

Common carrier travel accident insurance^§

View complete coverage details

Purchase coverage

Extended warranty insurance^§
Purchase security insurance^§

View complete coverage details

Annual fee	$0
Interest rate	19.50%^Δ
Supplementary or additional cards	$0 for up to 4 cards
Travel coverage	Common carrier travel accident insurance^§ View complete coverage details
Purchase coverage	Extended warranty insurance^§ Purchase security insurance^§ View complete coverage details

For additional fees and information, see cardholder agreement.

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Calculate your benefits.

Based on an average monthly spend of $2,000.

Travel booked with Vancity Rewards

Includes flights, hotels, and car rentals.

Other (gas, subscriptions, etc.)

Yearly points earned

Yearly benefits value

The estimated Vancity Rewards points you could earn in a year based on your indicated monthly spend and card features.

Travel booked with Vancity Rewards $50 x 1 points × 12 months	600
Other (gas, subscriptions, etc.) $1,950 x 0.5 points × 12 months	11,700
Yearly points earned†	12,300 ($123 value)

Have you considered upgrading? Based on the same average monthly spend, you could earn 24,600 ($246 rewards value) with our enviro Visa Gold card.

The estimated value you could earn in a year based on your indicated monthly spend and card features.

Annual Vancity Rewards value	$123
Annual fee	– $0
Total yearly benefits value† after fees	$123

Have you considered upgrading? Based on the same average monthly spend, your total yearly benefits value† after fees is $207 with our enviro Visa Gold card.

Eligibility.

You are at least 19 years old

You live in British Columbia and have a BC address

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.

Apply online.

It takes as little as 10 minutes.

Get started

Great perks, no matter the card.

enviro Visa card features

Security and protection

Balance transfer

All our personal 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

More to discover.

Not sure this is the right card for you? Keep exploring.

enviro Visa* Gold card

Earn 1 Vancity Rewards point per $1 spent

$99

annual fee

19.5%^Δ

interest rate

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

enviro Visa Infinite* card

Earn 1.25 to 10 Vancity Rewards points per $1 spent

$120

annual fee

19.5%^Δ

interest rate

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

See all credit cards

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 Classic 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 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 March 31, 2026.

You will receive 5,000 Vancity Rewards ($50 value) points (“Spend Bonus”) when you spend $1,500 in eligible purchases within three ( 3 ) months of Account opening. 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.

^‡

Vancity membership required for certain cash back rewards. Must have a Vancity deposit account to redeem for cash back. Additional terms and conditions apply.

^†

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.

^§

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.

^Δ

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.

^α

There is no fee to transfer your credit card balance from another financial institution. Please note there is no interest-free grace period on balance transfers Interest will be charged on balance transfer amounts from the date of the transfer.

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.

Trademark of Visa Int., used under license