enviro™ Visa* Classic cards for students1
Earn rewards while building credit.
Choose between a no-fee card or a low-interest-rate card.
WELCOME OFFER enviro Visa* Classic low interest for students
No fee for your first year2
New cardholders get your first-year $50 annual fee waived.
Earn 1 Vancity Rewards points for every $2 you spend.
You get more with Vancity Rewards points.
Diverse reward options
Choose what you want to redeem your rewards for: cash back,‡ travel, charitable donations, or gift cards.
Flexible travel
Earn double rewards when you use your Visa card to book flights, hotels, and car rentals through rewards.vancity.com. No blackout dates or booking fees.
No cap on rewards
Keep earning points at the same great rate with no maximum limit.
Our student credit cards.
Learn about our student credit cards and see which one works best for you.
enviro Visa classic card for students
$0
annual fee
19.5%Δ
interest rate
enviro Visa classic for students low interest
$50
annual fee
11.25%Δ
interest rate
Compare our two student credit cards.
| No annual fee credit card enviro Visa* Classic for students | Low interest credit card enviro Visa* Classic low interest for students | |
| Annual fee | $0 | $50 |
| Interest rate | 19.50%Δ | 11.25%Δ |
| This card is for you if… |
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| Point earning | Every $2 spent earns 1 Vancity reward point | Every $2 spent earns 1 Vancity reward point |
| Points redemption | Every 100 points = $1 in value | Every 100 points = $1 in value |
| Travel coverage§ |
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| Purchase coverage§ |
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| Eligibility |
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| Apply online | Apply online |
For additional fees and information, see cardholder agreement.
A card working as hard as you do.
Build credit confidently and stay in control of your spending.
- Earn rewards on everyday purchases
- Stay on top of your spending with clear transaction tracking in the Vancity mobile app
- 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
Your credit card cheat sheet.
Credit limit
The maximum amount you can spend on your card. Once you’ve reached the limit, you need to pay it down before you can use it again.
Credit utilization
The percentage of your credit limit that you’re using. This is one of the most important factors in your credit score. The general advice is to use up to 30% of your limit in a billing cycle to show show lenders you’re using credit responsibly. If you need to use more than 30%, check out our Credit Cards 101 guide for tips.
Statement balance vs. current balance
The statement balance is what you owed at the end of your billing period. Pay this amount in full by the due date to avoid interest. Your current balance changes as you make new purchases, payments, or receive credits.
Grace period
The time you have to pay your statement balance in full without being charged interest. Missing this window means interest starts being added to your balance.
Interest rate (APR)
The cost of carrying a balance on your card. If you don’t pay your full balance, this determines how much extra you’ll owe in interest.
Resources to set yourself up for success.
Need some help?
Get expert advice for what products to choose for a student.
The enviro Visa Classic card for students 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 Classic card with Low Interest Rate plus Vancity Rewards (the Account ) is subject to meeting the minimum personal income requirements for the card. Additional terms and conditions apply.
The enviro Visa Classic card low interest for students offer (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 August 24, 2026
If you apply for a Vancity enviro Visa Classic card with Low Interest Rate plus Vancity Rewards by August 24, 2026, and are approved, an annual fee of $50 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 $50 on the 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.
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 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.
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.
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