The 6 Best Vancity Visa Credit Cards

Vancity Visa cards are popular for supporting the environment and offering exciting rewards. A member-owned financial co-operative, also known as a credit union, Vancity offers a number of Visa cards including some low rate and business cards for people interested in rewards. If you search the web, you will come across nearly a dozen options. We’ve sorted them out for you. Below you will find the six best Vancity Visa credit cards.

Note: These cards are only for British Columbia residents with a BC address. Consider other credit cards if you don’t live in BC.

If you are charity-minded, American Express cards like The Platinum Card, let you donate your points to Save the Children. Aerpolan also lets you donate your points to charity.

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1. enviro Visa Infinite Card with Vancity Rewards: unlimited rewards

Annual fee: $120
Interest rate: 19.5%
Rewards: Up to 10 points for every $1 spent
Redeem: 100 points for $1

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The enviro Visa Infinite Card with Vancity Rewards comes with some great perks. It can, however, be a little hard to qualify for this card. Like all Vancity cards, you need to be at least 19 years-old to be eligible, and to be a BC resident with a BC address. In addition, you must meet one of the following conditions:

• At least $250,000 in investable funds 
• At least $60,000 annual personal income or $100,000 annual household income

Moreover, you must not have declared bankruptcy within the previous seven years. These requirements make the card a little difficult to get since the average BC resident makes under $50,000. However, once you qualify, you will get access to great rewards. 

Cardholders can earn up to 10 points for each $1 spent at select local businesses, including JJBean, Shift Delivery, Modo, and more. Furthermore, there are additional rewards for cardholders, including up to 15 percent off at JJBean and free meals at FreshPrep. Shop freely beacuse the card comes with a 21-day interest-free grace period on all new purchases.

Spending the card on public transport, including ferries, earns 5 points for each $1 spent. It goes down to 2.5 points for every $1 spent on groceries and 1.25 points for every $1 spent on any other purchases. Users can earn 2x points when making travel-related bookings through the Vancity Rewards program.

Other benefits include special dining and entertainment offers, such as 24/7 concierge services. Cardholders enjoy mobile device insurance, price protection service, extended warranty insurance, flight delay insurance, purchase security insurance, rental collision insurance, and up to $500,000 common carrier travel accident insurance.

There, however, are some conditions. For example, you will be eligible for common carrier travel accident insurance only if you purchase at least 75 percent of the common carrier fare with your enviro Visa card.

The enviro Visa Infinite Card can be a great pick for travellers as it comes with a complimentary membership to the Visa Airport Companion Program, which offers free limited airport lounge access at over 1,200 locations. 

Additionally, the card is great for families; the first is free and users can request up to 4 additional cards, for $50 per year per card. It's secure and offers personal identification number (PIN) protection, lost or stolen card protection, and fraud monitoring. The card works at all Visa-supported ATMs, and supports recurring and automatic payments.

All in all, the enviro Visa Infinite Card with Vancity Rewards is one of the best Vancity cards.

2. enviro Gold Visa Card with Vancity Rewards: no income requirements

Annual fee: $99
Interest rate: 19.5%
Rewards: 1 point for every $1 spent
Redeem: 100 points for $1

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The enviro Gold Visa Card with Vancity Rewards is another great card with very exciting rewards. These include 2,500 bonus points when you make your first purchase, and 3,500 bonus points on the card's anniversary, all of which can be converted into cash.

The reward system is simple: 1 point for every $1 spent. This card isn’t as exciting as our first pick but the coverage it offers includes purchase-security protection, delayed and lost baggage insurance, price protection, extended warranty insurance, up to $500,000 common carrier travel accident insurance, and rental collision insurance. 

Unlike with the enViro Infinity Visa Card, there is no concierge service, lounge access, or local business discount with this card. The only reward option is to collect and redeem points. Still, users can earn 2x points when making travel-related bookings through the Vancity Rewards program.

Similarly to the enviro Infinity Visa Card, the enviro Gold Visa Card does support recurring and automatic payments and offers cash advance services. It also has the option to order up to 4 additional cards, as well as the same 21-day interest-free grace period on all new purchases with the same security and protection features discussed above.

One benefit that the enviro Gold Visa Card has, which the enviro Infinity Visa Card does not, is that there are no minimum income requirements to apply, making this the go-to option for many people.

3. enviro Classic Visa Card with Vancity Rewards: no annual charges

Annual fee: $0
Interest rate: 19.5%
Rewards: 1 point for every $2 spent
Redeem: 100 points for $1

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The enviro Classic Visa Card with Vancity Rewards is the most affordable Vancity Visa card. There are no annual charges, but you still have the option to request up to 4 additional cards and enjoy a 21-day interest-free grace period on all new purchases. Applicants only need to be 19 years-old and a BC resident to apply for the enviro Class Visa card, and there are no minimum income requirements.

As far as rewards go, cardholders earn 1 point for every $2 spent. However, making travel-related bookings through the Vancity Rewards program earns 1 point for every $1 spent.

The enviro Classic Visa Card offers limited coverage, including purchase-security insurance, up to $200,000 common carrier travel accident insurance, and extended warranty insurance. There may be some conditions, though, so make sure to read the fine print. Nevertheless, cardholders do enjoy Visa protection and security. 

4. enviro Visa Infinite Privilege Card with Vancity Rewards: for “big guns”

Annual fee: $245 for members and $395 for non‑members
Interest rate: 19.5%
Rewards: Up to 10 points for every $1 spent
Redeem: 100 points for $1

Apply

The enviro Visa Infinite Privilege Card with Vancity Rewards is one of the most expensive Vancity Visa cards out there. However, the perks it offers make up for the inflated cost. That being said, this card isn’t for everyone as eligibility requirements are very high. You must meet one of the following income requirements to qualify:

• At least $150,000 annual personal income or $200,000 household income
• At least $400,000 in investable funds 

The card offers all sorts of insurance. You get flight delay insurance, purchase-security insurance, mobile device insurance, price protection service, and auto rental collision insurance.

Furthermore, you get up to $500,000 common carrier travel accident insurance, up to $5,000,000 travel emergency medical insurance, up to $5,000 trip interruption insurance, up to $2,500 trip cancellation insurance, delayed and lost baggage insurance, and extended warranty insurance. However, these offers come with prerequisites, so make sure to read the terms and conditions.

These amazing features make the enviro Visa Infinite Privilege Card one of the best credit cards available. It is particularly advantageous for travellers as it offers exciting travel rewards including lounge access, and cardholders can earn 2x points by using the Vancity Rewards program.

The reward system is similar to that of the enviro Visa Infinite Card. Cardholders can earn up to 10 points for every $1 spent at select local businesses. Additional perks include discounted rates and concierge services, and users can earn 5 points for every $1 spent on transport, 2.5 points for every $1 spent on groceries, and 1.25 points for every $1 spent on other purchases. 

While the first card is free, every additional card costs $50 per year. Like all other cards, it works at ATMs, offers cash advances, and can be used to set up recurring and automatic payments. Plus, users enjoy Visa protection.

5. enviro Visa Infinite Business Card with Vancity Rewards: made for businesses

Annual fee: $120
Interest rate: 19.5%
Rewards: Up to 10 points for every $1 spent
Redeem: 100 points for $1

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The enviro Visa Infinite Business Card with Vancity Rewards is designed for entrepreneurs. According to the company, it's suitable for Vancity business members, sole proprietors, LLCs, partnerships, and small to medium-sized businesses. However, there are income requirements:

• At least $60,000 annual personal income or $100,000 annual household income
• At least $250,000 in investible funds

The enviro Visa Infinite Business Card is for people who want a lot of additional cards, as it supports up to 10 supplements, each costing $50 per year. Your business will receive a unified monthly statement covering all issued credit cards, thus making it easier to manage them.

The card impresses when it comes to rewards. Spending at local businesses could earn 10 points for every $1 spent. In addition, there are discounts, passes to entertainment events, and more. Furthermore, spending on office supplies offers 2.5 points for every $1. The card covers almost all public transport options including rail and parking – offering 5 points for every $1, and 1.25 points for every $1 spent on all other purchases.

Insurance is another department where it scores well. Coverage includes liability waiver insurance, which can be great for businesses.

In addition, cardholders enjoy flight delay insurance, up to $500,000 common carrier travel accident insurance, up to $1,000 trip cancellation and interruption insurance, flight delay insurance, auto rental collision, delayed and lost baggage insurance, mobile device insurance, extended warranty insurance, and purchase-security insurance. As with the other cards, there is a 21-day interest-free grace period on all new purchases.

This card can be great for people who travel a lot, whether for business or leisure. Cardholders can even enjoy airport lounge access and 24/7 concierge service.

One of the highlights of the card is the Visa Spend Clarity for Business feature that allows entrepreneurs to decide how, where, and when a card is used. With this option, you will be able to manage your employees’ spending limits.

6. enviro Classic Visa Card with low interest rate plus Vancity Rewards: most affordable card

Annual fee: $50
Interest rate: 11.25%
Rewards: 1 point for every $2 spent
Redeem: 100 points for $1

Apply

The enviro Classic Visa Card with Low Interest Rate Plus Vancity Reward can be a great option for people with low income. It is one of the most affordable credit cards out there and has no income requirements. For this reason, rewards are also on the lower side.

The card offers limited coverage, including purchase-security insurance, extended warranty insurance, and up to $200,000 common carrier travel accident insurance. However, there are no bonus rewards and your only option is to accumulate points that can be redeemed: 100 points for $1. Every $2 spent will earn you 1 point. The only way to increase points is to book travel through the Vancity Rewards program.

Like every other card discussed on this list, the enviro Classic Visa Card with Low Interest Rate Plus Vancity Reward offers cash advances, recurring and automatic payments, a 21-day grace period, and up to 4 additional cards. Moreover, carrdholders enjoy Visa protection and security.

Frequently asked questions about Vancity Visa cards

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