enviro™ Visa Infinite Business* card
Premium perks for your business.
For those with $60,000 annual personal income, $100,000 annual household income, or $250,000 or more in investible 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, ferries, buses, taxi, rail and parking◊
- 2.5 points for every $1 spend on office supplies, hardware supplies, electronics and more◊
- 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 24/7.5
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.
Key features.
$120
19.50%Δ
$0 for the first card, $50 per additional card, up to 10 cards
- Auto rental collision/loss damage insurance§
- Common carrier travel accident insurance§
- Delayed and lost baggage insurance §
- Emergency travel assistance services§
- Flight delay insurance§
- Trip cancellation and interruption insurance coverage§
- Extended warranty insurance§
- Purchase security insurance§
- Mobile device insurance§
- Liability waiver insurance††
| Feature | Value |
|---|---|
Annual fee | $120 |
Interest rate | 19.50%Δ |
Supplementary or additional cards | $0 for the first card, $50 per additional card, up to 10 cards |
Travel coverage |
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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.
Purchases from office suppliers, hardware and gardening stores, electronics providers and more.
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.
| Office supplies $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 purchases $1,000 x 1.25 points × 12 months | 15,000 |
| Yearly points earned† | 58,500 ($585 value) |
Eligibility.
You’re a Vancity business member
You’re a small- to medium-sized business
You’re a sole proprietor, partnership, limited company, or co-operative
You meet one of the following criteria
- $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), or
- $100,000 annual household income or $60,000 annual personal income
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.
Have questions about whether this product is right for you? Please call us at 604-877-7000 or toll-free 1-888-826-2489 to speak with a Business Banking Specialist for details.
How to apply.
To apply for a business credit card, give us a call or book an appointment.
Metro Vancouver: 604-877-7000
Greater Victoria: 250-519-7000
Toll-free: 1-888-826-2489
Tools for your business.
- Track your transactions and trends
Use Visa Spend Clarity for Business to track your enviro Visa card transactions and trends and create customized alerts and reports. - Set up custom card-activity alerts
Decide where, when, and how employees use your enviro Visa card and set up custom card-activity alerts with Visa Spend Clarity for Business. Mobile fees may apply, depending on your messaging plan. - Unlock discounts
Enroll your enviro Visa card in Visa SavingsEdge* and unlock discounts at participating merchants, no coupons or codes required.
Great perks, no matter the card.
enviro Visa card features
Security and protection
enviro Visa card features
All our business 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
Keep exploring.
Not sure if this card is right for you? Check out this option.
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 continuing eligibility for our product. Approval for a Vancity enviro Visa Infinite Business card (the “Account”) is subject to meeting one of the minimum income declaration requirements for the card (a minimum annual personal income of $60,000, a minimum household income of $100,000, or minimum assets under management of $250,000). Additional terms and conditions apply. Your Account must be in good standing since your Account open date in order to qualify for Welcome Points and Spend Bonus. The Welcome Offer, Spend Bonus and Annual Fee Rebate 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, Spend Bonus and Annual Fee Rebate 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 March 31, 2026.
If you apply for a Vancity enviro Visa Infinite Business card by March 31, 2026, and are approved, an annual fee of $120 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 $120 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 Account Administrator and will appear on your first statement.
You will receive 10,000 Vancity Rewards ($100 value) welcome points (the “Welcome Points”) only after the first eligible purchase is made on the Account. The first purchase Welcome Bonus will be credited to your account within 7 business days after your first purchase. Cash advances, cash-like transactions, interest charges and fees are not eligible purchases for the first purchase bonus, and any returned items, refunds, rebates, or other similar credits on any eligible purchases resulting in the first purchase criteria not being met will reduce or cancel the first purchase Welcome Bonus in Vancity’s sole discretion. To receive the Welcome Points, your account must be in good standing and you must make your first transaction within the first 90 days of opening your account. Limit one first purchase welcome bonus per account.
You will receive an additional 23,000 Vancity Rewards ($230 value) points (“Spend Bonus”) when you spend $6,000 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. Terms and conditions apply. Points are earned based on the dollar amount of Purchases you make on your Card. 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, writing Visa Cheques or for the amounts you pay in interest, annual fees or any other types of fees on your Visa Account are not eligible purchases for the Spend Bonus. Vancity reserves the right to determine what qualify as eligible purchases.
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.
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/privilege. 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.
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.
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 will earn more points per $1 on eligible purchases made with an enviro Visa Infinite Business card. Eligibility is based on the merchant code as classified in the Visa credit card network. Purchases made at merchants classified as: (i) Electronics/Computers, Peripherals, and Software; Office Supplies/Stationery, Printing and Writing Paper; Electronic; and Hardware/Garden Centers are “office supplies” 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; and (iii) Taxicabs and Limousines; Bus Lines; Automobile Parking Lots and Garages; Railroads; Passenger Railways are “taxis, bus, parking and rail” and warn 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.
enviro Visa Infinite and enviro Visa Infinite Business 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 Infinite card. All visits for 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. The value of a Visa Airport Companion membership (managed by DragonPass International Ltd.) and airport lounge visits are based on the value of purchasing a DragonPass membership ($68 USD) and airport lounge visit ($31 USD) converted into CAD at an exchanged rate of 1.32. 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.
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.
Liability Waiver Insurance is underwritten by Royal & Sun Alliance Insurance Company of Canada. Conditions, limitations and exclusions apply. Please read the Liability Waiver Insurance Certificate carefully.
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.
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.
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
Manage your card
Give us a call
Card Services 24/7
Metro Vancouver: 604-877-4999
Toll-free: 1-800-611-8472
Apply now
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)