Best Vancity Credit Cards - November 2026

Compare all Vancity credit cards in our catalogue, including fees, rewards and benefits.

Looking for the best Vancity Credit Cards in Canada? The right choice depends on your spending, annual fees and the benefits you will actually use.

Compare the 6 cards in our selection below. Interested in a card? Click Read review to read our full analysis.

Our selection: Vancity
Credit card	Annual fee	Welcome offer
Vancity enviro Visa Infinite	Annual fee$120	Welcome offer+ $200 travel credit+ annual fee rebated for 2 yearsAfter $3,000 in 3 months Up to 40,000 points Vancity Rewards points+ $200 travel credit+ annual fee rebated for 2 yearsAfter $3,000 in 3 monthsEnds Nov 30, 2026	Apply NowCompareRead review
Vancity enviro Visa Infinite Low Interest	Annual feeTwo-Year Annual Fee Rebate$145 $0Two-Year Annual Fee RebateFirst year free	Welcome offer No annual fee for the first 2 yearsEnds Jan 12, 2027	Apply NowCompareRead review
Vancity enviro Visa Infinite Privilege	Annual fee$245	Welcome offer No current welcome offer	CompareRead review
Vancity enviro Visa Gold	Annual fee$99	Welcome offer No current welcome offer	CompareRead review
Vancity enviro Visa Classic	Annual fee$0	Welcome offer No current welcome offer	Apply NowCompareRead review
Vancity enviro Visa Classic Low Interest	Annual fee$25	Welcome offer No current welcome offer	Apply NowCompareRead review

Vancity enviro Visa Infinite

The Vancity enviro^™ Visa Infinite* card earns 1.25 to 10 Vancity Rewards points per $1: 10 points at select local businesses, 5 on public transit and ferries, 2.5 on groceries and 1.25 on everything else, with 2 points per $1 on travel booked through Vancity Rewards. Every 100 points is worth $1, whether you redeem them for travel, cash back, gift cards or charitable donations.

New cardholders who apply by November 30, 2026 get 20,000 points after $3,000 in purchases within 3 months, 20,000 more points after $12,000 in purchases within 12 months, a $200 travel credit and the $120 annual fee rebated for two years.

The card includes a Visa Airport Companion membership with 2 complimentary lounge visits per year, 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.

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Vancity enviro Visa Infinite

3.0 / 5

VancityVisaVancity Rewards

Annual fee: $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$400Total$400Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $400
Welcome offer+ $200 travel credit+ annual fee rebated for 2 yearsAfter $3,000 in 3 months: Up to 40,000 points Vancity Rewards points; Ends Nov 30, 2026

Annual fee

Primary card$120

Additional card$0

Annual income required

Individual$60,000

Household$100,000

Conversion fees

2.5%

Earning rate

5xTransit
2.5xGroceries
2xTravel
1.25xAll spending

Value

1st Year Value$819

Travel insurance

Delayed BaggageUp to $500

Lost BaggageUp to $1,000

Flight DelayUp to $500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionUp to $2,500 / 90 days

Extended Warranty+1 years

Mobile DeviceUp to $1,000

Auto Rental CollisionUp to $65,000 / 48 days

Price protectionIncluded

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Vancity enviro Visa Infinite Low Interest

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 2 points per $1 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.

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Vancity enviro Visa Infinite Low Interest

VancityVisaVancity Rewards

Annual feeNo annual fee the first year: $0 $145; First year free
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

Annual fee

Primary card$145

Additional card$0

Annual income required

Individual$60,000

Household$100,000

Conversion fees

2.5%

Earning rate

5xTransit
2.5xGroceries
2xTravel
1.25xAll spending

Value

1st Year Value$539

Travel insurance

Delayed BaggageUp to $500

Lost BaggageUp to $1,000

Flight DelayUp to $500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionUp to $2,500 / 90 days

Extended Warranty+1 years

Mobile DeviceUp to $1,000

Auto Rental CollisionUp to $65,000 / 48 days

Price protectionIncluded

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Vancity enviro Visa Infinite Privilege

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.

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.

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Vancity enviro Visa Infinite Privilege

VancityVisaVancity Rewards

Annual fee: $245
Welcome offer: No current welcome offer

Annual fee

Primary card$245

Additional card$0

Annual income required

Individual$150,000

Household$200,000

Earning rate

5xTransit
3xGroceries
3xTravel
1.5xAll spending

Value

1st Year Value$400

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 22 days

Travel medical (55-64)Up to $5,000,000 / 22 days

Travel medical (65+)Up to $5,000,000 / 3 days

Trip CancellationUp to $2,500

Trip InterruptionUp to $2,500

Delayed BaggageUp to $1,000

Lost BaggageUp to $2,500

Flight DelayUp to $1,000

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionUp to $2,500 / 120 days

Extended Warranty+2 years

Mobile DeviceUp to $1,000 / 2 years

Auto Rental CollisionUp to $85,000 / 48 days

Price protectionIncluded

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Vancity enviro Visa Gold

The Vancity enviro^™ Visa* Gold card earns 1 Vancity Rewards point per $1, doubled on travel booked through Vancity Rewards, plus 3,500 bonus points on each card anniversary.

The card also includes car rental, price protection and purchase insurance. 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.

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Vancity enviro Visa Gold

VancityVisaVancity Rewards

Annual fee: $99
Welcome offer: No current welcome offer

Annual fee

Primary card$99

Additional card$0

Earning rate

2xTravel
1xAll spending

Value

1st Year Value$219

Travel insurance

Delayed BaggageIncluded

Lost BaggageUp to $1,000

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionUp to $2,500 / 90 days

Extended Warranty+1 years

Auto Rental CollisionUp to $65,000 / 48 days

Price protectionIncluded

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Vancity enviro Visa Classic

The Vancity enviro^™ Visa* Classic card is a no-fee way to earn Vancity Rewards points: 1 point per $2 spent, doubled on travel booked through Vancity Rewards. Points can be redeemed for travel, cash back, gift cards or charitable donations, at $1 per 100 points.

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.

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Vancity enviro Visa Classic

VancityVisaVancity Rewards

Annual fee: $0; No annual fee
Welcome offer: No current welcome offer

Annual fee

Primary card$0

Additional card$0

Earning rate

1xTravel
0.5xAll spending

Value

1st Year Value$159

Travel insurance

Travel AccidentUp to $200,000

Purchase protection

Purchase ProtectionUp to $2,500 / 90 days

Extended Warranty+1 years

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Vancity enviro Visa Classic Low Interest

The low-interest Vancity enviro^™ Visa* Classic card is built for people who carry a balance from month to month: its 11.25% interest rate is well below that of most credit cards, for an annual fee of just $25. Balance transfers from another card come with no transfer fee.

It does not earn points: to earn Vancity Rewards points at the same low rate, the low-interest enviro Visa Classic card with Vancity Rewards costs $50 a year. 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.

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Vancity enviro Visa Classic Low Interest

VancityVisa

Annual fee: $25
Welcome offer: No current welcome offer

Annual fee

Primary card$25

Additional card$0

Travel insurance

Travel AccidentUp to $200,000

Purchase protection

Purchase ProtectionUp to $2,500 / 90 days

Extended Warranty+1 years

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Vancity enviro Visa Infinite

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Travel insurance

Purchase protection

Vancity enviro Visa Infinite Low Interest

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Travel insurance

Purchase protection

Vancity enviro Visa Infinite Privilege

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Annual income required

Earning rate

Value

Travel insurance

Purchase protection

Vancity enviro Visa Gold

Annual fee

Earning rate

Value

Travel insurance

Purchase protection

Vancity enviro Visa Classic

Annual fee

Earning rate

Value

Travel insurance

Purchase protection

Vancity enviro Visa Classic Low Interest

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Travel insurance

Purchase protection

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