Low-interest enviro™ Visa* Gold card

Enjoy a low interest rate.

Competitive rates help you save on interest.

Annual interest rates for cards with 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 Gold card will simplify your monthly payments and help you save on interest, so you can pay off your balance faster.

Learn how interest works

Annual fee

$45

Annual Interest rate

11.25%^Δ

Supplementary or additional cards

$0 for up to 4 cards

Travel coverage

Auto rental collision/loss damage insurance^§
Common carrier travel accident insurance^§
Delayed and lost baggage insurance^§

View complete coverage details

Purchase coverage

Extended warranty insurance^§
Purchase security insurance^§
Price protection service^§

View complete coverage details

Feature	Value
Annual fee	$45
Annual Interest rate	11.25%^Δ
Supplementary or additional cards	$0 for up to 4 cards
Travel coverage	Auto rental collision/loss damage insurance^§ Common carrier travel accident insurance^§ Delayed and lost baggage insurance^§ View complete coverage details
Purchase coverage	Extended warranty insurance^§ Purchase security insurance^§ Price protection service^§ View complete coverage details

For additional fees and information, see cardholder agreement.

Apply now

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

Our low interest card with Vancity Rewards

$145

annual fee

11.25%^Δ

interest rate

enviro Visa* Classic card

Earn 1 Vancity Rewards point per $2 spent

annual fee

19.5%^Δ

interest rate

See all credit cards

^§

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