Low-interest enviro™ Visa* Classic card with Vancity Rewards

Low interest rate plus rewards.

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Spend more, earn more.

This credit card offers a low interest rate plus Vancity Rewards points. 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

$50

Annual fee rebate for Total Chequing Account holders††

Interest rate

11.25%^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

Feature	Value
Annual fee	$50 Annual fee rebate for Total Chequing Account holders††
Interest rate	11.25%^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)

Annual Vancity Rewards value	$123
Annual fee	– $50
Total yearly benefits value† after fees	$73

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.

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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

$145

annual fee

11.25%^Δ

interest rate

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

enviro Visa* Classic card

Earn 1 Vancity Rewards point per $2 spent

annual fee

19.5%^Δ

interest rate

Welcome offer: Get up to $50 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 eligibility for our product. Approval for a Vancity enviro Visa Classic card with Low Interest Rate plus Vancity Rewards (the “Account”) is subject to meeting the minimum personal income requirements for the card. Additional terms and conditions apply. 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.

If you apply for a Vancity enviro Visa Classic card with Low Interest Rate plus Vancity Rewards by March 31, 2026, and are approved, an annual fee of $50 will be charged on the first statement after we approve your application (whether or not the card has been activated), but we will credit your account by $50 on that same statement in order to reverse the charge (the “Annual Fee Rebate”). The Annual Fee Rebate is only for the first year for the Primary Cardholder and will appear on your first statement.

^‡

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.

^††

Approval for a Vancity Visa Account is subject to credit approval, and to meeting minimum income and/or assets under management requirements. Must be a British Columbia resident and at least 19 years old. For any application, we will obtain your credit bureau report to confirm eligibility for a Vancity Visa Account.

You must be the Primary/First-Named Vancity Total Chequing Account Holder and the Primary Cardholder of an eligible Vancity Visa Account to receive a Visa Annual Fee Rebate on an eligible card as indicated below: a) Partial Annual Fee rebate of $150 for the Primary Cardholder on enviro™ Visa Infinite Privilege* card, or b) Full Annual Fee rebate on enviro™ Visa Infinite* card, enviro™ Visa Gold card, enviro™ Visa Classic card with Low Interest Rate plus Vancity Rewards or enviro™ Visa Gold card with Low Interest Rate plus Vancity Rewards.

Your Vancity Total Chequing Account must be open and in good standing at the time the Visa Annual Fee is charged to receive the rebate. The Visa Annual Fee Rebate will not apply to Authorized User(s) on the Visa Account. The Visa Annual Fee Rebate will occur each year so long as you remain a Primary/First-Named Vancity Total Chequing Account Holder and Vancity Visa Account Primary Cardholder in good standing. Vancity Total Chequing Account Holders can receive one Visa Annual Fee Rebate per Vancity banking relationship. By receiving this rebate, you will not be eligible for additional Visa Annual Fee Rebates or welcome offers. Offer cannot be combined with any other offer unless otherwise specified. If you have more than one Vancity Visa Account, the Visa Annual Fee Rebate will be applied to the card with the highest Visa Annual Fee, on the first Visa Annual Fee charged after the Vancity Total Chequing Account is opened. The Visa Annual Fee Rebate will be credited to the Vancity Total Chequing Account after the Visa Annual Fee is billed to the Vancity Visa Account. May take up to 3 Visa statement cycles to appear. All other fees and charges applicable to the Vancity Visa Account will continue to apply. Vancity Annual Fee Rebate may change or be canceled at any time without notice.

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