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Pros & Cons
Pros
- +First Year Annual Fee Rebate ($120 annual fee rebated)
- +Welcome Bonus: Up to 40,000 points
- +Up to 5x on transit
Cons
- –Foreign Transaction Fee (2.5%)
- –No airport lounge access despite fee
Our Review
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 double points 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 1, 2026 can earn up to 40,000 bonus points (20,000 after $3,000 in purchases in the first 3 months, plus 20,000 after $12,000 in the first 12 months), a $200 travel statement credit and a rebate of the $120 annual fee for the first two years. Vancity values the first-year offer at up to $1,014.
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.
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
$948
incl. welcome bonus
Annual rewards breakdown
- Earn 20,000 Vancity Rewards after $3,000 in purchases within the first 3 months
- Earn 20,000 Vancity Rewards after $12,000 in purchases within the first 12 months
First-year advantages
- $120
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$120
First Year Annual Fee Rebate
- Additional card fee$50
- Foreign currency conversion fee2.5%
- Purchase Rate19.5%Quebec19.5%
- Cash advance rate22.99%Quebec22.99%
Eligibility
Personal Income
$60,000
Household Income
$100,000
Terms & Conditions
Card Features
- Welcome offer: up to 40,000 Vancity Rewards points (20,000 points after $3,000 in purchases in the first 3 months, plus 20,000 points after $12,000 in purchases in the first 12 months)
- $200 travel statement credit after $200 in eligible travel purchases in the first year
- $120 annual fee rebated for the first two years
- Apply by November 1, 2026
- 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
- 100 points = $1 in value
- Visa Airport Companion membership with 2 complimentary lounge visits per year
- Purchase interest rate of 19.50%
- 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. 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.
