Vancity enviro Visa Infinite Privilege
on Vancity's website
Pros & Cons
Pros
- +Welcome Bonus: Up to 90,000 points
- +Up to 5x on transit
- +Purchase protection included
Cons
- –High annual fee ($245/yr)
- –No airport lounge access despite fee
Our Review
The Vancity enviro™ Visa Infinite Privilege* card is Vancity's top-tier card. It earns 10 points per $1 at select local businesses, 5 on public transit and ferries, 3 on groceries and 1.5 on everything else, with double points on travel booked through Vancity Rewards.
New cardholders who apply by November 1, 2026 can earn up to 90,000 bonus points and a $250 travel statement credit, which Vancity values at up to $1,485 in the first year.
Each cardholder on the account gets 6 complimentary lounge visits a year through Visa Airport Companion, and the insurance package includes travel emergency medical, trip cancellation and mobile device coverage. 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
1.5x
Vancity Rewards pts per dollar
Transit
5x
Vancity Rewards pts per dollar
Groceries
3x
Vancity Rewards pts per dollar
Travel
3x
Vancity Rewards pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
64,500
Vancity Rewards/yr
Estimated Value
$645
After Fees
+$400
1st Year Value
$1,300
incl. welcome bonus
Annual rewards breakdown
- Earn 30,000 Vancity Rewards after $6,000 in purchases within the first 3 months
- Earn 30,000 Vancity Rewards after $12,000 in purchases within the first 6 months
- Earn 30,000 Vancity Rewards after $24,000 in purchases within the first 12 months
Perks & Benefits
Airport lounge access
Travel Insurance
Travel Medical
Included
Trip Cancellation
Included
Trip Interruption
Included
Delayed Baggage
Included
Lost Baggage
Included
Flight Delay
Included
Travel Accident
Included
Purchase Protection
Purchase Protection
Included
Extended Warranty
Included
Mobile Device
Included
Auto Rental
Included
Price protection
Included
Fees and interest rates
- Annual Fee$245
- Additional card fee$50
- Purchase Rate19.5%
Eligibility
Personal Income
$150,000
Household Income
$200,000
Terms & Conditions
Card Features
- Welcome offer: up to 90,000 Vancity Rewards points (30,000 points after $6,000 in purchases in the first 3 months, 30,000 more after $12,000 in the first 6 months, and 30,000 more after $24,000 in the first 12 months)
- $250 travel statement credit after $250 in eligible travel purchases in the first year
- Apply by November 1, 2026
- 10 points per $1 at select local businesses, 5 points per $1 on public transit and ferries, 3 points per $1 on groceries and 1.5 points per $1 on all other purchases
- Double points on travel booked through Vancity Rewards
- Visa Airport Companion membership with 6 complimentary lounge visits per year for each cardholder
- Annual fee of $245
- Purchase interest rate of 19.50%
- For British Columbia residents aged 19 or older with $150,000 in personal income, $200,000 in household income, $50,000 in annual credit card spending or $400,000 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.
