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Vancity enviro Visa Infinite

VancityVancity RewardsFirst Year Annual Fee Rebate
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on Vancity's website

Annual Fee
$0$120
First Year Annual Fee Rebate
Welcome Bonus
—
Bonus Value
—
Estimated value
1st Year Value
—

Pros & Cons

Pros

  • +First Year Annual Fee Rebate ($120 annual fee rebated)

Cons

  • –Foreign Transaction Fee (2.5%)
  • –No airport lounge access despite fee
  • –No purchase protection

Our Review

The Vancity enviro Visa Infinite earns 1 Vancity Rewards point per $1 (2x on travel booked through Vancity Rewards), points worth 1 cent each, plus complimentary Visa Airport Companion lounge access.

$120 annual fee waived the first year. A values-based card from Vancity, one of Canada’s largest credit unions.

Rewards

All Spending

1x

Vancity Rewards pts per dollar

Travel

2x

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢3¢
Groceries1x
$700/month
Gas & EV1x
$200/month
Transit1x
$100/month
Restaurants1x
$300/month
Pharmacy1x
$50/month
Travel2x
$150/month
Bills & recurring payments1x
$250/month
Telecom1x
$150/month
Entertainment & streaming1x
$100/month
Office supplies1x
$0/month
All other spending1x
$500/month

Points Earned

31,800

Vancity Rewards/yr

Estimated Value

$318

After Fees

+$318

1st Year Value

$318

incl. welcome bonus

Annual rewards breakdown

Groceries$8,400/yr × 1x8,400 pts
Gas & EV$2,400/yr × 1x2,400 pts
Transit$1,200/yr × 1x1,200 pts
Restaurants$3,600/yr × 1x3,600 pts
Pharmacy$600/yr × 1x600 pts
Travel$1,800/yr × 2x3,600 pts
Bills & recurring payments$3,000/yr × 1x3,000 pts
Telecom$1,800/yr × 1x1,800 pts
Entertainment & streaming$1,200/yr × 1x1,200 pts
All other spending$6,000/yr × 1x6,000 pts
Total annual spend$30,000
Monthly spend$2,500
Average earn rate on spend per year1.06x
Total points earned31,800 pts
Value of accumulated points≈ $318

Interest Rates

  • Purchase Rate
    19.5%
  • Purchase rate (Quebec)
    19.5%
  • Cash Advance
    22.99%
  • Cash advance rate (Quebec)
    22.99%
  • Foreign Transaction Fee
    2.5%

Eligibility

Personal Income

$60,000

Household Income

$100,000

Terms & Conditions

Card Features

  • 1 Vancity Rewards point per $1 (2x on travel via Vancity Rewards)
  • Points worth 1 cent each
  • Visa Airport Companion lounge access
  • 19.50% purchase interest rate
  • $120 annual fee (waived first year)
  • Vancity membership required; primarily British Columbia

Legal

*Conditions apply. Informational listing.

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. Ratesopedia 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.