Vancity Credit Cards: Which of the 4 enviro Visa Cards to Choose?
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The Vancity enviro Visa Infinite card gives you the most value in year one: up to 40,000 points, a $200 travel credit and two years of annual fee rebates, if you apply by November 1, 2026. If you carry a balance from month to month, the Vancity enviro Visa Infinite Low Interest card gives you the same points at 11.25% interest.
Vancity is a British Columbia credit union, and its enviro Visa credit cards are available only to BC residents aged 19 or older. We compare the four cards you are most likely to consider here, with what each one actually earns you depending on whether you pay your balance in full.
If you already bank with a national institution, this guide also helps you decide whether a Vancity card earns its place in your wallet.
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $0 | |||
| $0 | |||
| $0 | |||
| $25 |
The 4 Vancity cards at a glance
The table below shows the annual fee, interest rate and earn rate of each card. Click a card's name further down to see its full card page.
| Card | Annual fee | Interest rate | Points per $1 | Welcome offer |
|---|---|---|---|---|
| enviro Visa Infinite | $120, rebated for 2 years | 19.50% | 1.25 to 10 | Up to 40,000 points and a $200 travel credit, apply by November 1, 2026 |
| enviro Visa Infinite Low Interest | $145, rebated for 2 years | 11.25% | 1.25 to 10 | Annual fee rebated for 2 years, apply by January 12, 2027 |
| enviro Visa Classic | $0 | 19.50% | 0.5 (1 on Vancity Rewards travel) | None |
| enviro Visa Classic Low Interest | $25 | 11.25% | No points | None |
Which Vancity card fits your profile
Your choice mostly comes down to two questions: do you pay your balance in full every month, and do you spend more than $12,000 a year on your card?
- You pay in full and spend $12,000 or more a year: the Vancity enviro Visa Infinite card, to get the full welcome offer.
- You sometimes carry a balance and want points: the Vancity enviro Visa Infinite Low Interest card, at 11.25%.
- You want points with no annual fee: the Vancity enviro Visa Classic card.
- You are paying down credit card debt: the Vancity enviro Visa Classic Low Interest card, at 11.25% for $25 a year.
enviro Visa Infinite: the richest welcome offer
The Vancity enviro Visa Infinite card earns you up to 10 Vancity Rewards points per $1. Its welcome offer is worth up to $720 in year one, in points, travel credit and rebated fees.
- 20,000 points after $3,000 in purchases in the first 3 months
- 20,000 more points after $12,000 in purchases in the first 12 months
- $200 travel credit after $200 in eligible travel purchases in the first year
- $120 annual fee rebated for the first two years
To get it, you need to apply by November 1, 2026. The offer is not available to existing enviro Visa cardholders, or to anyone who closed one in the last 12 months.
Your everyday earn rate
Beyond the welcome offer, you earn points on every purchase:
- 10 points per $1 at select local partner businesses (Modo, JJ Bean, Fresh Prep)
- 5 points per $1 on public transit and ferries
- 2.5 points per $1 on groceries
- 2 points per $1 on travel booked through Vancity Rewards
- 1.25 points per $1 on all other purchases
The card also gives you 2 complimentary airport lounge visits a year through Visa Airport Companion, which covers more than 1,200 lounges worldwide. These visits are for the Primary Cardholder.
If you hold a Vancity Total Chequing Account, your card's annual fee is rebated every year. This rebate does not stack with the welcome offer, so it becomes useful from year three onward.
- Annual feeNo annual fee the first year
- $0 $120
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$400Annual fee rebated$120Total$520Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $520
- Welcome offerAfter $12,000 in 12 months
- Up to 40,000 points
- Ends Nov 1, 2026
Apply Now
on Vancity's website
enviro Visa Infinite Low Interest: points and a low rate
This card gives you exactly the same points as the enviro Visa Infinite, with an 11.25% interest rate instead of 19.50%. You also get the same 2 lounge visits and the same insurance.
- Annual fee: $145, rebated for the first two years
- Offer deadline: January 12, 2027
- Welcome points: none, the offer covers the annual fee only
In short, you trade the points offer for a lower rate. If you carry a balance, that trade pays off from year two, as the next section shows.
- Annual feeNo annual fee the first year
- $0 $145
- Our valuationMilesopedia first-year estimate First-year valueAnnual fee rebated$145Total$145Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $145
- Welcome offer
- No annual fee for the first 2 years
- Ends Jan 12, 2027
Apply Now
on Vancity's website
Low rate or points: the math with a balance
If you carry a balance, the low rate saves you about $248 in interest a year on $3,000. Here is the profile behind our calculation:
- Groceries: $700 a month
- Public transit: $150 a month
- Other purchases: $1,150 a month
- Average balance carried all year: $3,000
What this profile gives you on each of the two enviro Visa Infinite cards:
- Points earned, on both cards: 47,250 points, or $472.50
- Interest at 19.50% (enviro Visa Infinite): about $585 a year
- Interest at 11.25% (enviro Visa Infinite Low Interest): about $337.50 a year
Your net result, year by year:
- Year 1: $487.50 with the enviro Visa Infinite (points, 40,000 welcome points and the $200 credit, minus interest), versus $135 with the Low Interest version
- Year 2: -$112.50 with the enviro Visa Infinite, versus $135 with the Low Interest version
- Year 3, annual fees paid: -$232.50 with the enviro Visa Infinite, versus -$10 with the Low Interest version
The takeaway: the enviro Visa Infinite wins year one thanks to its offer, then the Low Interest version pulls ahead from year two if you carry a balance. Your best return still comes from paying in full: with the 21-day grace period, you then pay no interest on purchases.
Simplified calculation: annual interest on a constant $3,000 balance, points valued at 1¢ each.
enviro Visa Classic: points with no annual fee
With the Vancity enviro Visa Classic card, you earn Vancity Rewards points without paying an annual fee. You get 1 point per $2 spent, doubled on flights, hotels and car rentals booked through Vancity Rewards.
At $2,000 of spending a month, that adds up to 12,000 points a year, or $120. You can also add up to 4 additional cards at no cost. The interest rate is 19.50%, and the card has no welcome offer.
enviro Visa Classic Low Interest: pay down a balance
With this card, you pay 11.25% interest for just $25 a year, and balance transfers from another card come with no transfer fee. It does not earn points: its job is to cut your interest costs.
On a $3,000 balance carried all year:
- Interest at 11.25%: about $337.50
- Interest at 19.50%: about $585
- Net savings, after the $25 annual fee: about $222.50 a year
Keep in mind that interest on a transferred balance starts on the transfer date: the 21-day grace period only applies to new purchases.
Vancity Rewards: 1¢ per point
Every 100 points gives you $1, whether you redeem for travel, cash back, gift cards or a charitable donation. You always know exactly what your points are worth.
- Travel: flights, hotels, car rentals and packages booked on the Vancity Rewards site, with no blackout dates or booking fees
- Cash back: toward your card balance, a recent purchase or a Vancity loan, as long as you hold a Vancity deposit account
- Donations: from 2,000 points ($20), with a tax receipt
- Gift cards: from a range of merchants
There is no cap on the points you earn. On the other hand, your points do not transfer to a travel program such as Aeroplan: their value stays fixed at 1¢. In addition, 5% of enviro Visa card profits fund Vancity's enviroFund environmental program every year.
Insurance: solid cover for the unexpected
Both enviro Visa Infinite cards protect you well against common travel and purchase mishaps:
- Common carrier travel accident: up to $500,000
- Flight delayed more than 4 hours: up to $500
- Delayed baggage: up to $500, and up to $1,000 for lost baggage
- Car rental: collision and loss damage, up to 48 consecutive days
- Mobile devices: up to $1,000
- Purchases: 90-day purchase security, one-year extended warranty and price protection
Both enviro Visa Classic cards cover you for common carrier travel accidents (up to $200,000), with extended warranty and purchase security.
Eligibility: BC residents only
If you live in British Columbia and are 19 or older, you can apply online in about 10 minutes. The two enviro Visa Classic cards have no minimum income requirement.
For the two enviro Visa Infinite cards, you need to meet just one of these criteria:
- Personal income: $60,000 a year
- Household income: $100,000 a year
- Credit card spending: $15,000 a year, across all your cards
- Investable assets: $250,000, including chequing, savings, RRSP and TFSA balances
If you declared bankruptcy in the last 7 years or have no credit history, Vancity points you to its enviro Secured Visa card.
Other Vancity cards
Vancity also offers cards for more specific needs, which this comparison does not cover in detail:
- Vancity enviro Visa Gold card: $99 a year, 1 point per $1
- Vancity enviro Visa Infinite Privilege card: $245 a year, 1.5 to 10 points per $1
- enviro Visa Classic Low Interest with Vancity Rewards: $50 a year, 11.25%, with points
- Student versions and a secured card: to build your credit
Our verdict
If you pay your balance every month, the Vancity enviro Visa Infinite card is the best pick in the lineup until November 1, 2026. In our $2,000-a-month example, it gives you $1,072.50 in value in year one, with no annual fee to pay.
If you carry a balance, the Low Interest version costs you less from year two. And if you simply want points with no fee, the enviro Visa Classic does the job.
Finally, we recommend comparing with cards available across Canada: if you want maximum travel value, a program like Aeroplan can earn you more than 1¢ per point. See our ranking of the best credit cards and create your free member account to access member-only offers.
Alternatives available across Canada
Still deciding? Compare each Vancity card with its equivalent available across Canada. Here are the ones we suggest, card by card:
- Instead of the enviro Visa Infinite: the TD First Class Travel Visa Infinite Card, at $139 a year (rebated in year one), with up to 160,000 TD Rewards points and an annual $100 travel credit with Expedia For TD.
- Instead of the enviro Visa Infinite Low Interest: no card available across Canada combines an 11.25% rate with rewards. If you pay your balance every month, the Scotia Momentum Visa Infinite+ Card gives you 4% cash back on groceries and recurring payments (on up to $25,000 in spending a year), for $120 a year, free in year one.
- Right below it: the BMO CashBack World Elite Mastercard, with 5% cash back on groceries (on up to $500 in spending per statement period), for $139 a year, free in year one.
- Instead of the enviro Visa Classic: the Tangerine Money-Back Credit Card, with no annual fee, 2% cash back in 2 categories you choose (3 if your rewards go to a Tangerine Savings Account) and 0.5% on everything else.
- Instead of the enviro Visa Classic Low Interest: the CIBC Select Visa Card, at $29 a year (rebated in year one), with a 13.99% rate and 0% on balance transfers for up to 10 months, with a 1% transfer fee.
On our $2,000-a-month profile, the TD First Class Travel card gives you more in year one, then the gap narrows. Its points are worth 0.5¢ each when you book through Expedia For TD:
- Year 1: $1,344 with the TD card ($444 in points, 160,000 welcome points worth $800 and the $100 travel credit), versus $1,072.50 with the enviro Visa Infinite
- Year 2: $405 with the TD card, after its $139 fee, versus $472.50 with the Vancity card, whose fee is still rebated
- Year 3: $405 with the TD card, versus $352.50 with the Vancity card
- Over 3 years: about $257 more with the TD card, as long as you book your travel through Expedia For TD
If you transfer a $3,000 balance, the CIBC Select costs you less in year one, as long as the 0% promotion runs the full 10 months:
- CIBC Select: about $100 in year one ($30 transfer fee, 0% for 10 months, then 2 months at 13.99%), with no annual fee in year one
- enviro Visa Classic Low Interest: about $362.50 ($337.50 in interest and the $25 annual fee)
- After that: the Vancity card is cheaper again, at 11.25% versus 13.99%
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $0 | |||
| $0 | |||
| $0 | |||
| $0 | |||
| $0 |
Vancity Credit Card - Frequently Asked Questions
Who can get a Vancity credit card?
You need to live in British Columbia, have a BC address and be 19 or older. For the enviro Visa Infinite cards, you also need to meet one income, spending or asset criterion, such as $60,000 in personal income.
How much is a Vancity Rewards point worth?
One point is worth 1¢, or $1 per 100 points. The value stays the same whether you redeem for travel, cash back, gift cards or a donation.
Do I need a Vancity account to redeem points for cash back?
Yes. To redeem for cash back, you need a Vancity deposit account. Redemptions for travel, gift cards or donations do not require one.
When does the enviro Visa Infinite welcome offer end?
You need to apply by November 1, 2026 to get up to 40,000 points, the $200 travel credit and two years of annual fee rebates. The Low Interest version's offer runs until January 12, 2027.
Do Vancity credit cards include travel medical insurance?
No, none of the four cards in this comparison includes it. In the Vancity lineup, only the enviro Visa Infinite Privilege covers emergency medical costs, for 22 days under age 65 and 3 days from age 65. Buy separate travel insurance before you leave the country.
Can I transfer a balance to a Vancity card?
Yes, Vancity charges no balance transfer fee. Interest does start on the transfer date, though, at the card's rate: 11.25% on the Low Interest cards and 19.50% on the others.
How many lounge visits does the enviro Visa Infinite include?
The Primary Cardholder gets 2 complimentary visits a year to Visa Airport Companion lounges, after enrolling with their card. Additional visits are charged a fee.
How many additional cards can I add?
On the enviro Visa Classic cards, you can add up to 4 cards at no cost. On the enviro Visa Infinite cards, the first additional card is free, then each one costs $50 a year, up to 4 cards.
Learn more
- Credit card balance transfer in Canada: how it works
- Travel insurance: how much your credit card really covers
- How DragonPass works for airport lounge access
Vancity is a BC Financial Services Authority authorized credit union and is covered by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC). Cards available only to British Columbia residents aged 19 or older. Visa Infinite is a trademark of Visa Int., used under license.