enviro™ Visa Infinite* card
Level up with extra rewards and benefits.
For those with $60,000 annual personal income, $100,000 annual household income, or $250,000 or more in investable funds.
Spend more, earn more.
Every time you use this credit card, you’ll earn:
- 10 points for every $1 spent at select local businesses
- 5 points for every $1 spent on public transit and ferries◊
- 2.5 points for every $1 spent on groceries◊
- 1.25 points for every $1 spent on all other purchases
- 2 times the points on travel booked via Vancity Rewards
You get to choose what you want to redeem your rewards for: cash back,‡ travel, charitable donations, or gift cards.
Premium card, premium benefits.∞
Airport lounges
Get access to more than 1,200 participating airport lounges worldwide with your complimentary membership to Visa Airport Companion.⌀
Hotel perks
Receive benefits such as complimentary room upgrades, daily breakfast, and late checkout, plus enhanced rewards status and travel credits on qualifying stays with Visa hotel partner perks.
Dining and wine events
Experience some of the best restaurants in your city with the Visa Infinite Dining series. Plus get access to offers at select wineries.
Concierge services
Plan your next business trip, make a reservation at your favourite local restaurant, and more with the help of a concierge, available 24/7.1
Sports and entertainment offers
Get out and enjoy golf perks at Access Rewards and exclusive benefits at the Toronto International Film Festival.
Stay connected
Enjoy two complimentary 1GB/15-day GigSky global mobile data plans per year, plus 20% off future purchases.
19.50%Δ
$0 for the first card, $50 per additional card, up to 4 cards
- Auto rental collision/loss damage insurance§
- Common carrier travel accident insurance§
- Delayed and lost baggage insurance§
- Flight delay insurance§
- Emergency travel assistance services§
- Extended warranty insurance§
- Price protection service§
- Purchase security insurance§
- Mobile device insurance§
| Feature | Value |
|---|---|
Annual fee | $120 Annual fee rebate for Total Chequing Account holders†† |
Interest rate | 19.50%Δ |
Supplementary or additional cards | $0 for the first card, $50 per additional card, up to 4 cards |
Travel coverage |
|
Purchase coverage |
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For additional fees and information, see cardholder agreement.
Unlock local business benefits.±
Calculate your benefits.
Based on an average monthly spend of $2,000.
Public transit, ferry, bus, taxi, rail and parking
Orders from Fresh Prep and JJ Bean or car rentals with Modo.
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.
| Groceries $700 x 2.5 points × 12 months | 21,000 |
|---|---|
| Transit $150 x 5 points × 12 months | 9,000 |
| Local business partners $100 x 10 points × 12 months | 12,000 |
| Travel booked with Vancity Rewards $50 x 2.5 points × 12 months | 1,500 |
| Other (gas, subscriptions, etc.) $1,000 x 1.25 points × 12 months | 15,000 |
| Yearly points earned† | 58,500 ($585 value) |
Eligibility.
You are at least 19 years old
You live in British Columbia and have a BC address
You meet one of the following criteria
- $60,000 annual personal income
- $100,000 annual household income
- $250,000 or more in investible funds (including the money saved in your chequing and savings accounts and the total market value of your RRSP, TFSA or other investment accounts)
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.
You will earn more points per $1 on eligible purchases made with an enviro Visa Infinite. Eligibility is based on the merchant code as classified in the Visa credit card network. Purchases made at merchants classified as (i) Grocery Stores; Freezer and Locker Meat Provisioners; Candy Stores; Dairy Product Stores; Bakeries; and Misc. Food Stores – Convenience Stores and Specialty Markets are “groceries” and earn 2.5 points with every $1 purchase; (ii) Local/Suburban Commuter Passenger Transportation – Railroads; and Transportation Services Not Elsewhere Classified are “public transit and ferries” and earn 5 points with every $1 purchase. Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classified by the Visa credit card network in another manner, in which case the accelerated earn rate will not apply. Points are earned based on the dollar amount of Purchases you make on your Card. You will not earn Points on 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. For a full list of terms and conditions, see Vancity Rewards Program terms and conditions.
Vancity membership required for certain cash back rewards. Must have a Vancity deposit account to redeem for cash back. Additional terms and conditions apply.
You must be an eligible Visa Infinite cardholder with a valid Canadian issued Visa Infinite card to take advantage of the Visa Infinite benefits and services. Certain benefits and services require enrolment. Offers and benefits are non-transferable and discounts cannot be combined with any other offer or discount. Neither Visa nor Vancity is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers or benefits at any time and without notice. All offers, benefits and services made available through Visa are subject to complete terms and conditions, including third party suppliers’ terms and conditions, available through the Visa Infinite Concierge at 1-888-853-4458, and as set and as set out on visainfinite.ca. The Visa Infinite Privacy Notice policy applies to all benefits and services that require enrolment through, or are otherwise provided by, the Visa Infinite Concierge or the Visa Infinite website or mobile app. The collection, use and disclosure of cardholders’ personal information by third party suppliers of services and benefits to Visa Infinite cardholders are subject to such third parties’ own privacy policies.
enviro Visa Infinite cardholders have access to participating lounges through the Visa Airport Companion Program (“Program”), hosted and managed by Dragonpass International Ltd. (“Dragonpass”). Cardholders must enroll for this benefit using a valid enviro Visa Infinite card. All visits for enviro Visa Infinite 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. Neither Visa nor Vancity is responsible for any claims or damages arising from Cardholder’s participation in the Program. The value of a Visa Airport Companion membership, managed by DragonPass ($68 USD) is included with your enviro Visa Infinite account. The stated value of the membership is calculated based on a foreign exchange rate of USD/CAD 1.32, and is provided for reference purposes only. Each lounge visit is subject to a self-paid fee of per visit, which must be borne by the cardholder. This estimated value is merely an estimate for illustrative purposes only. Actual value of a Visa Airport Companion membership and airport lounge visit may vary.
The goods and services cardholders request or otherwise choose to obtain through the Visa Infinite Concierge Service are provided by various third party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about, and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Concierge. Neither Visa nor Vancity is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of cardholders’ requests in all instances. There is no fee for the Concierge’s services, however cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the cardholder and purchased by the Visa Infinite Concierge on the cardholder’s behalf. All costs will be charged directly to the cardholder’s Visa Infinite card.
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.
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.
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.
Vancity Rewards points and offers for Modo, JJ Bean and Fresh Prep are available to Vancity enviro Visa Infinite, Vancity enviro Visa Infinite Privilege and Vancity enviro Visa Infinite Business cardholders only. Vancity Rewards and offers for Shift Delivery are available to Vancity enviro Visa Infinite Business cardholders only. Offers are based on availability, and additional terms and conditions may apply. Vancity, Modo, JJ Bean, Fresh Prep and Shift Delivery reserve the right to modify or cancel this offer at any time and without notice.
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.
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
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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)