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Pros & Cons
Pros
- Two-Year Annual Fee Rebate ($145 annual fee rebated)
- Up to 5x on transit
- Airport lounge access
Cons
- Foreign Transaction Fee (2.5%)
Our Review
The Vancity enviro™ Visa Infinite* Low Interest card pairs an 11.25% interest rate with Infinite-level rewards: 1.25 to 10 Vancity Rewards points per $1, with 10 points at select local businesses, 5 on public transit and ferries, 2.5 on groceries and 1.25 on everything else, plus double points on travel booked through Vancity Rewards. Points can be redeemed for travel, cash back, gift cards or charitable donations.
New cardholders who apply by January 12, 2027 get the $145 annual fee rebated for the first two years.
The card includes a Visa Airport Companion membership with 2 complimentary lounge visits per year for the Primary Cardholder, flight delay, baggage and mobile device insurance, and Visa Infinite perks. Vancity is a credit union, and 5% of enviro Visa card profits support its enviroFund™ program every year. The card is available only to British Columbia residents.
Rewards
All Spending
1.25x
Vancity Rewards pts per dollar
Transit
5x
Vancity Rewards pts per dollar
Groceries
2.5x
Vancity Rewards pts per dollar
Travel
2.5x
Vancity Rewards pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
54,750
Vancity Rewards/yr
Estimated Value
$548
After Fees
+$548
1st Year Value
$548
incl. welcome bonus
Annual rewards breakdown
First-year advantages
- $145
Perks & Benefits
Airport lounge access
Travel Insurance
Delayed Baggage
Up to $500
Lost Baggage
Up to $1,000
Flight Delay
Up to $500
Travel Accident
Up to $500,000
Purchase Protection
Purchase Protection
Up to $2,500 / 90 days
Extended Warranty
+1 year(s)
Mobile Device
Up to $1,000
Auto Rental
Up to $65,000 / 48 days
Price protection
Included
Fees and interest rates
- Annual Fee$145
Two-Year Annual Fee Rebate
- Additional card fee$50
- Foreign currency conversion fee2.5%
- Purchase Rate11.25%Quebec11.25%
- Cash advance rate11.25%Quebec11.25%
Eligibility
Personal Income
$60,000
Household Income
$100,000
Terms & Conditions
Card Features
- Welcome offer: $145 annual fee rebated for the first two years
- Apply by January 12, 2027
- 10 points per $1 at select local businesses, 5 points per $1 on public transit and ferries, 2.5 points per $1 on groceries and 1.25 points per $1 on all other purchases
- Double points on travel booked through Vancity Rewards
- Visa Airport Companion membership with 2 complimentary lounge visits per year for the Primary Cardholder
- Interest rate of 11.25%
- For British Columbia residents aged 19 or older with $60,000 in personal income, $100,000 in household income, $15,000 in annual credit card spending or $250,000 in investable funds
Legal
*Trademark of Visa Int., used under license. Conditions apply. Vancity is a BC Financial Services Authority authorized credit union and is covered by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC). Available only to British Columbia residents aged 19 or older.
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Vancity. All trademarks are property of their respective owners.
