Full Site Sign Up


Vancity enviro™ Visa Infinite* card

Cash Back Rebate from GCR:
$0.00★


>


Welcome offer! Get your first year annual fee waived ($120 rewards value)^
and Visa Airport Companion membership ($90 value).^


Offer valid until December 17th, 2024.
^Terms and conditions apply – for full details click the Apply button.

Card is available to British Columbia residents only.


5% of profits go to environmental initiatives with every purchase on your enviro Visa card.

Environmental impact:
  • Our Carbon Counter™ helps you estimate the carbon footprint of your Visa card spending.
  • 5% of profits from this card support the Vancity enviroFund™ program every year which helps fund climate innovation in your community.

Vancity Rewards
100 Vancity Rewards points = $1 in Rewards Value.

How to earn points.
  • 10 points for every $1 spent at select local businesses.
  • 5 points for every $1 spent on public transit and ferries.◊
  • 2.5 points for every $1 spent on groceries.◊
  • 1.25 points for every $1 spent on all other purchases.◊
  • 2x the points when booking travel through Vancity Rewards.

Ways you can redeem your points:
  • Cash back‡: Add funds to your Vancity account, pay down your enviro™ Visa* card account balance, or make a loan payment (like towards your Vancity mortgage).

  • Travel: Book flights, hotels, car rentals, cruises and more through Vancity Rewards and enjoy no blackout periods.

  • Charity: Support what matters to you. Redeem your points to make a donation to a select charity and we’ll send you a tax receipt. Starting at 2,000 points ($20 rewards value).

  • Gift cards: Treat yourself or someone special when you redeem your Vancity Rewards points for a gift card. Choose from over 60 options.


Premium Visa Infinite Benefits
  • Get access to more than 1,200 participating airport lounges worldwide with your complimentary membership to Visa Airport Companion.⌀
  • Hotel perks, dining and wine events, concierge service, sports and entertainment offers and more.

Insurances
  • Common carrier travel accident insurance up to $500,000. §
  • Purchase security insurance. §
  • Extended warranty insurance. §
  • Auto rental collision/loss damage insurance. §
  • Flight delay insurance. §
  • Emergency travel assistance services. §
  • Delayed and lost baggage insurance. §

Eligibility: $60,000 annual personal income, $100,000 annual household income, or $250,000 or more in investible funds.




Annual Card Fee:$120 Credit Score:725
Extra Card Fee:$0 Purchase Interest Rate:19.50%
Minimum Personal Income:$60,000 Balance Transfer Interest Rate:19.50%
Minimum Household Income:$100,000 Cash Advance Interest Rate:19.50%


Note: Purchase APR, Balance Transfer APR and Cash Advance APR
You will benefit from an interest-free grace period of 21 days on new purchases and fees appearing on your statement. If you pay off the balance showing on your statement in full by the payment due date, no interest will be payable on all new purchases that appear on your statement for the first time. There is no interest-free grace period on cash advances and balance transfers. Interest rates and fees and are subject to change without notice. See the Vancity Credit Card Agreement and Disclosure Statement for more details.


^ Terms & conditions apply. For full details and eligibility requirements visit vancity.com/bank/credit-cards/enviro-infinite/

* Trademark of Visa Int. Used under license.

enviro™, Vancity enviroFund™ and Carbon Counter™ are trademarks of Vancouver City Savings Credit Union.

‡ Vancity membership required for certain cash back rewards. Must have a Vancity deposit account to redeem for cash. Additional terms and conditions apply.

§ Common Carrier Travel Accident and Travel Emergency Medical Insurance are insurance coverages underwritten by American Bankers Life Assurance Company of Florida (ABLAC) under Group Policy number VCVIL092019. All other insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy number VCVI092019. Price Protection Service and Emergency Travel Assistance Services are services only and not insurance and are provided by ABIC.

⌀ Enviro Visa Infinite cardholders have access to participating lounges through the Visa Airport Companion Program (“Program”), hosted and managed by DragonPass International Ltd. Cardholders must enroll for this benefit using a valid enviro Visa Infinite card. The value of a Visa Airport Companion membership (managed by DragonPass International Ltd.) is based on the value of purchasing a DragonPass membership ($68 USD) converted into CAD at an exchanged rate of 1.32. This estimated value is merely an estimate for illustrative purposes only. Actual value of a Visa Airport Companion membership may vary. Upon enrollment, all visits for enviro Visa Infinite cardholders are subject to a fee per person per visit. Cardholders who participate in the Program are subject to the DragonPass Terms of Use, Terms of Service and Privacy Policy and Visa’s Privacy Notice. To view the full Terms and Conditions for the Program and more details on how to enroll, please visit visaairportcompanion.ca. The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor Vancity is responsible for any claims or damages arising from participation in the Program.

ABIC and ABLAC, their subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. ® Assurant is a registered trademark of Assurant, Inc. Details of the coverage, including definitions, benefits, limitations, and exclusions are in the Certificate of Insurance and the Statement of Services provided with the card. Read the Certificate of Insurance and Statement of Services, then keep these documents in a safe place, and take them with you when you travel.


VALUE CONVERSIONS


Part 1: Vancity Rewards Value per Canadian Dollar

  • Cash Back: 100 Points = $ 1 CAD (1 cent per point)
  • Travel: 100 Points = $ 1 CAD when booked through Vancity Rewards (1 cent per point)
  • Charity Donations: 100 Points = $ 1 CAD donated (1 cent per point)
  • Gift Cards: 100 Points = $ 1 CAD for most gift cards (1 cent per point)

Part 2: Vancity Rewards Value per 100 Canadian Dollars

  • Cash Back: 10,000 Points = $ 100 CAD
  • Travel: 10,000 Points = $ 100 CAD in travel value
  • Charity Donations: 10,000 Points = $ 100 CAD donated
  • Gift Cards: 10,000 Points = $ 100 CAD in gift card value

Part 3: Summary for Best Value

To get the best value with the Vancity enviro™ Visa Infinite* card:
  • Redeem for cash back or travel: Both options provide a straightforward 1 cent per point, offering flexibility in how you use your rewards.
  • Donate to charity: If you're inclined towards giving, this redemption provides the same value as cash back or travel, with the added benefit of supporting environmental causes.
  • Consider the annual fee: Ensure your rewards value exceeds the annual fee of the card to truly benefit from the rewards program.
  • Use for gift cards: While still valuable, ensure you're getting the best deal as not all gift card redemptions might offer a full 1 cent per point value.

Part 4: Vancity Rewards Points Earned per $ 1000 Spending by Category

  • Select Local Businesses: 10,000 Points per $ 1,000 spent
  • Groceries, Public Transit, and Ferries: 5,000 Points per $ 1,000 spent
  • Travel Booked through Vancity Rewards: 2,500 Points per $ 1,000 spent
  • All Other Purchases: 1,250 Points per $ 1,000 spent



NOTE : The value conversions may not be up to date. Please calculate your own conversion to Canadian dollars to ensure accuracy.


★ Conditions and Exemptions

To be eligible for this offer:
• Applicants must be a new Vancity credit card Account Holder.
• Are at least 19 years old.
• Live in British Columbia and have a BC address.

• Application must be complete and submitted to receive Cash Back Rebate.
• Do not browse or leave application page before it is completed.
• Please click from GCR again if session expires.
• Must apply online.
• Please wait 3 weeks before inquiring about a missing Vancity Cash Back.
• NOTE : You must reply to us within 3 months to report a missing rebate otherwise the rebate is void by the merchant.



Rebate Currency Exchange :  NONE