enviro Visa Classic low interest credit card

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Annual fee	$25
Interest rate	11.25%
Supplementary or additional cards	$0 for up to 4 cards
Environmental impact	5% of profits from this card support the Vancity enviroFund™ program every year.

See cardholder agreement for additional fees and information at vancity.com/VisaAgreements.

Competitive rates help you save on interest

Annual interest rates for cards with department stores, gas stations or other financial institutions can be as high as 29.9%. If you need to carry a balance on your card month to month, our low-interest rate enviro Visa card will simplify your monthly payments and help you save on interest, so you can pay off your balance faster.

Learn more about how interest works

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
Automatic and recurring payment eligibility
Account alerts that monitor spending activity through Vancity enviro Visa alerts
5% of profits from all enviro Visa cards support the Vancity enviroFund™ program every year

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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Give us a call

Metro Vancouver: 604-877-7000
Greater Victoria: 250-519-7000
Toll-free: 1-888-826-2489

Visit a branch

Come see us in person.
Monday - Saturday: 8am to 8pm
Sunday & holidays: 10am to 5:30pm
Find a branch

Annual fee $45

Interest rate 11.25%

Vancity Rewards None

Key benefits

Common carrier travel accident insurance up to $500,000^§

Learn more Apply now

enviro Visa Classic card with low interest rate and Vancity Rewards

Estimated yearly rewards value

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

Annual Vancity Rewards value
Annual fee	-
Rewards value after fees

Estimated yearly points earned

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

Groceries x points
Public transit and ferries x points
Local business partners x points
Travel booked with Vancity Rewards x points
Other purchases x points
Total points earned	rewards value

Annual fee $50

Interest rate 11.25%

Vancity Rewards 1 point per $2 spent

Key benefits

Common carrier travel accident insurance up to $200,000^§

Learn more Apply now

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View legal details

^†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.

⁺Credit Card Balance Protection Creditor's Group Insurance is underwritten by CUMIS® Life Insurance Company. CUMIS® is a trademark of CUMIS Insurance Society, Inc. and is used under license.

^{^}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.

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.

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Give us a call

Card Services 24/7

Metro Vancouver: 604-877-4999

Toll-free: 1-800-611-8472

Apply now

Metro Vancouver: 604-877-7000

Greater Victoria: 250-519-7000

Toll-free: 1-888-826-2489

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

enviro™ Visa* Classic card

Key features.

More to love about this card.

Competitive rates help you save on interest

Common carrier travel accident insurance

Purchase security insurance

Extended warranty insurance

What you get with all personal cards.

All our personal credit cards come with these features:

All our personal credit cards come with these features:

Move your balance and pay less interest

Eligibility.