enviro™ Visa* Gold card
Earn more rewards for your money.
Spend more, earn more.
Every time you use this credit card, you’ll earn:
- 1 point for every $1 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.
19.50%Δ
$0 for up to 4 cards
- 3,500 bonus points each year on your card’s anniversary ($35 rewards value)≠
- 2,500 bonus points when you make your first purchase ($25 rewards value)∞
- Auto rental collision/loss damage insurance§
- Common carrier travel accident insurance§
- Extended warranty insurance§
- Purchase security insurance§
- Price protection service§
| Feature | Value |
|---|---|
Annual fee | $99 Annual fee rebate for Total Chequing Account holders†† |
Interest rate | 19.50%Δ |
Supplementary or additional cards | $0 for up to 4 cards |
Bonus points |
|
Travel coverage |
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Purchase coverage |
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For additional fees and information, see cardholder agreement.
Calculate your benefits.
Based on an average monthly spend of $2,000.
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.
| Travel booked with Vancity Rewards $50 x 2 points × 12 months | 1,200 |
|---|---|
| Other (gas, subscriptions, etc.) $1,950 x 1 points × 12 months | 23,400 |
| Yearly points earned† | 24,600 ($246 value) |
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.
Great perks, no matter the card.
enviro Visa card features
Security and protection
Balance transfer
enviro Visa card features
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
Security and protection
Balance transfer
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 eligibility for our product. Approval for a Vancity enviro Visa Gold card with Low Interest Rate (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 Gold card with Low Interest Rate by March 31, 2026, and are approved, an annual fee of $45 will be charged following the first transaction on your Visa account. If you make your first purchase within thirty (30) days, we will credit your account by $45 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.
You will receive 2,500 Vancity Rewards bonus points (the “First Purchase Bonus”) only after the first eligible purchase is made on the Account. The First Purchase 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 Bonus in Vancity’s sole discretion. To receive the First Purchase Bonus 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 an additional 7,500 Vancity Rewards ($75 value) points (the “Spend Bonus”) when you spend $2,000 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.
You will receive an additional 3,500 Vancity Reward points (“Anniversary Bonus”) on the anniversary of your Account when you have an enviro™ Visa Gold card. The Anniversary Bonus will be credited to your account on the same statement period as your Account’s anniversary. To receive the Anniversary Bonus, your account must be in good standing.
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.
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.
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.
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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Card Services 24/7
Metro Vancouver: 604-877-4999
Toll-free: 1-800-611-8472
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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)