enviro™ Visa* Gold card

¹ 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 plus Vancity Rewards (the “Account”) is subject to meeting the minimum personal income declaration requirements for the card. 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. Your Account must be in good standing since your Account open date in order to qualify for the Welcome Points and Spend Bonus (defined below). The Welcome Offer may be changed, withdrawn or extended at any time, without notice, and cannot be combined with any other offer unless otherwise specified. Must apply by March 28, 2024.

² If you apply for a Vancity enviro Visa Gold card with Low Interest Rate plus Vancity Rewards by March 28, 2024, and are approved, an annual fee of $145 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 $145 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.

³ You will receive 2,500 Vancity Rewards welcome points (the “Welcome Points”) only after the first eligible purchase is made on the Account. To receive the Welcome Points, your Account must be in good standing. Cash advances, cash-like transactions, balance transfers, and the amounts you pay in interest or other types of fees on your Account are not eligible purchases for the Welcome Points. Vancity reserves the right to determine what qualify as eligible purchases.

⁴ You will receive an additional 12,500 Vancity Rewards 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. 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, and the amounts you pay in interest or other types of fees on your Account are not eligible purchases for the Spend Bonus. Vancity reserves the right to determine what qualify as eligible purchases.

⁵ You will receive an additional 3,500 Vancity Reward points (the “Anniversary Bonus”) on the anniversary of your Account when you have an enviro Visa Gold card with Low Interest Rate plus Vancity Rewards. The Anniversary Bonus will be credited to your account on the same statement period as your Account’s anniversary.

^‡ Vancity membership required for certain cash back rewards. Must have a Vancity deposit account to redeem for cash. 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 and are subject to change without notice. See the Vancity Credit Card Agreement and Disclosure Statement for more details.

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.