Rewards
Base earn rate1 point for every $2 spent on all purchases
ProgramVancity Rewards
Welcome bonusNo fee for your first year. New cardholders get first-year $50 annual fee waived.
Rewards typepoints
Fees & rates
Annual fee$50
Additional card$0
Purchase interest rate11.25%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Tap to pay with 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 with enviro Visa account
⭐
Lock and unlock 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
5%
⭐
Lost or stolen card protection with protection against unauthorized purchases and 24/7 fraud monitoring
⭐
Emergency card and cash replacement services
⭐
One simple login to pay for online purchases with Visa Click to Pay
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
common carrier accident
Included — see issuer for details.
🛡️
extended warranty
Included — see issuer for details.
🛡️
purchase protection
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident