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 (the “Account”) is subject to meeting the minimum personal income declaration requirements for the card. 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 The Welcome Offer may be changed, withdrawn or extended at any time, without notice, and cannot be combined with any other offer unless otherwise specified. 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 January 4, 2024.

² If you apply for a Vancity enviro Visa Gold card by January 4, 2024, and are approved, an annual fee of $99 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 $99 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 7,500 Vancity Rewards points (“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.

^‡ 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.

⁺ 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.

^± Vancity Rewards points and offers for Modo, JJ Bean and Fresh Prep are available to Vancity enviro Visa Infinite cardholders only. Offers are based on availability, and additional terms and conditions may apply. Vancity, Modo, JJ Bean and Fresh Prep reserve the right to modify or cancel this offer at any time and without notice.

^⌀ enviro Visa Infinite, enviro Visa Infinite Business, and enviro Visa Infinite Privilege cardholders have access to participating lounges through the Visa Airport Companion Program (“Program”), hosted and managed by Dragonpass International Ltd. Cardholders must enroll for this benefit using a valid enviro Visa card. Upon enrollment, six complimentary lounge visits will be available for enviro Visa Infinite Privilege cardholders per membership year. All visits for enviro Visa Infinite and enviro Visa Infinite Business cardholders, and additional visits beyond the complimentary visits for enviro Visa Infinite Privilege cardholders are subject to a fee per person per visit. Cardholders who participate in the Program are subject to the DragonPass  Terms of Use, Terms of Service and  Privacy Policy  and Visa’s Privacy Notice. To view the full Terms and Conditions for the Program and more details on how to enroll, please visit visaairportcompanion.ca. The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor Vancity is responsible for any claims or damages arising from participation in the Program.

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.