enviro™ Visa* Secured card

Establish and build your credit.

How it works.

You can choose any of our enviro Visa credit card options for your secured credit card. It will look and function like a regular card, with the same benefits and Vancity Rewards points.

To apply for your secured credit card, get in touch. We’ll help you set up a Vancity term deposit, Jumpstart™ High Interest Savings Account, or TFSA (Tax-Free Savings Account) with a minimum deposit of $500 and send you an enviro Visa card. Your card’s credit limit will be equal to the amount of your investment and your term deposit will also earn you interest.

This card may be right for you if…

You immigrated to Canada more than 2 years ago with limited or no previous Canadian credit history.
You experienced financial difficulty in the past and wish to rebuild your credit.
You want convenient access to credit for everyday purchases.

If you recently immigrated to Canada, take a look at our Newcomer offerings.

Annual fee

$0 to $395

Interest rate

11.25% or 19.50%^Δ

Supplementary or additional cards

$0 or $50

Feature	Value
Annual fee	$0 to $395
Interest rate	11.25% or 19.50%^Δ
Supplementary or additional cards	$0 or $50

For additional fees and information, see cardholder agreement.

Find a secured enviro Visa credit card.

Sort cards by:

What will you use the card for?

What is most important to you?

What do you plan to spend monthly?

enviro Visa Infinite* card

$120annual fee

19.50%^Δinterest rate

Earn 1.25 to 10 Vancity Rewards points per $1 spent

Apply now Learn more

Yearly points earned

Here's what we estimate you could earn in a year based on your monthly spend of $2,000.

Groceries $700 × 2.5 points x 12 months	21,000
Transit $150 × 5 points x 12 months	9,000
Local business partners $100 × 10 points x 12 months	12,000
Travel booked with Vancity Rewards $50 × 2.5 points x 12 months	1,500
Other (gas, subscriptions, etc.) $1,000 × 1.25 points x 12 months	15,000
Total points earned	58,500

Apply now

enviro Visa* Gold card

$99annual fee

19.50%^Δinterest rate

Earn 1 Vancity Rewards point per $1 spent

Apply now Learn more

Yearly points earned

Here's what we estimate you could earn in a year based on your monthly spend of $2,000.

Groceries $700 × 1 points x 12 months	8,400
Transit $150 × 1 points x 12 months	1,800
Local business partners $100 × 1 points x 12 months	1,200
Travel booked with Vancity Rewards $50 × 2 points x 12 months	1,200
Other (gas, subscriptions, etc.) $1,000 × 1 points x 12 months	12,000
Total points earned	24,600

Apply now

enviro Visa* Classic card

$0annual fee

19.5%^Δinterest rate

Earn 1 Vancity Rewards point per $2 spent

Apply now Learn more

Yearly points earned

Here's what we estimate you could earn in a year based on your monthly spend of $2,000.

Groceries $700 × 0.5 points x 12 months	4,200
Transit $150 × 0.5 points x 12 months	900
Local business partners $100 × 0.5 points x 12 months	600
Travel booked with Vancity Rewards $50 × 1 points x 12 months	600
Other (gas, subscriptions, etc.) $1,000 × 0.5 points x 12 months	6,000
Total points earned	12,300

Apply now

enviro Visa Infinite Privilege* card

$245/$395member/non-member annual fee

19.5%^Δinterest rate

Earn 1.5 to 10 Vancity Rewards points per $1 spent

Apply now Learn more

Yearly points earned

Here's what we estimate you could earn in a year based on your monthly spend of $2,000.

Groceries $700 × 3 points x 12 months	25,200
Transit $150 × 5 points x 12 months	9,000
Local business partners $100 × 10 points x 12 months	12,000
Travel booked with Vancity Rewards $50 × 3 points x 12 months	1,800
Other (gas, subscriptions, etc.) $1,000 × 1.5 points x 12 months	18,000
Total points earned	66,000

Apply now

enviro Visa* Classic card

$50annual fee

11.25%^Δinterest rate

Our low interest card with Vancity Rewards

Apply now Learn more

Yearly points earned

Here's what we estimate you could earn in a year based on your monthly spend of $2,000.

Groceries $700 × 0.5 points x 12 months	4,200
Transit $150 × 0.5 points x 12 months	900
Local business partners $100 × 0.5 points x 12 months	600
Travel booked with Vancity Rewards $50 × 1 points x 12 months	600
Other (gas, subscriptions, etc.) $1,000 × 0.5 points x 12 months	6,000
Total points earned	12,300

Apply now

enviro Visa* Gold card

$145annual fee

11.25%^Δinterest rate

Our low interest card with Vancity Rewards

Apply now Learn more

Yearly points earned

Here's what we estimate you could earn in a year based on your monthly spend of $2,000.

Groceries $700 × 1 points x 12 months	8,400
Transit $150 × 1 points x 12 months	1,800
Local business partners $100 × 1 points x 12 months	1,200
Travel booked with Vancity Rewards $50 × 2 points x 12 months	1,200
Other (gas, subscriptions, etc.) $1,000 × 1 points x 12 months	12,000
Total points earned	24,600

Apply now

enviro Visa* Classic card

$25annual fee

11.25%^Δinterest rate

Our low interest card without Vancity Rewards

Apply now Learn more

enviro Visa* Gold card

$45annual fee

11.25%^Δinterest rate

Our low interest card without Vancity Rewards

Apply now Learn more

Eligibility.

You’re an existing or new Vancity member in good standing

Not a member? Join Vancity.

You are at least 19 years old

You live in British Columbia and have a current BC address

You’re able to put a security deposit equal to the maximum credit limit on the enviro Visa card

Personal credit card.

To apply for this card, call our Member Services Centre or visit a community branch near you.
Metro Vancouver: 604-877-7000
Greater Victoria: 250-519-7000
Toll-free: 1-888-826-2489

Find a branch

Business credit card.

To apply for this card, book an appointment to visit us in-person at a community branch near you.

Find a branch

^†

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.

^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.

Trademark of Visa Int., used under license