enviro™ Visa* Classic card Review

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The Bottom Line

Vancity's enviro™ Visa* Classic card is an affordable option for everyday and travel optimization. That said, you collect Vancity Rewards points on every $2 spent, making it less competitive than over no-fee options that reward every dollar. It's also only available to residents of British Columbia.

enviro™ Visa* Classic card
envireo visa classic
enviro™ Visa* Classic card

3.0

Finly Rating
APPLY NOW

on Vancity's website

To qualify, you must live in British Columbia and have a BC address.

Welcome Bonus

N/A

Rewards Rate

1x - 2x

Points

Annual Fee

$0

Interest Rates

19.50% / 19.50%

RECOMMENDED CREDIT SCORE

300
Poor
560
Fair
660⁎
Good
725⁎
Very Good
760⁎
Excellent
⁎Estimates based on Equifax scoring
Get your free credit score

Rewards

  • 1 point for every $2 spent on all purchases
  • 2 times the points on flights, hotels, and car rentals booked through rewards.vancity.com

Insurance

Coverage

  • heart lock

    Common Carrier Travel Accident Insurance1

    Up to $200,000
  • purchase protection

    Purchase Protection2

    90 days
  • extended warranty

    Extended Warranty3

    Up to a year

Benefits

Details

  • save on interest

    Interest-Free Purchases4

    Interest-free grace period of 21 days on new purchases

Eligibility

  • Credit Score

    Good

  • Annual Income

    N/A

Card Details

Interest Rates

Purchase APR

19.50%

Cash Advance APR

19.50%

Balance Transfer APR

19.50%

Fees

Annual Fee

$0

Additional Cards

$0 for up to 4 cards

Eligibility

Minimum Individual Income

N/A

Minimum Household Income

N/A

Credit Score Estimate

Good

Type

Card Type

Credit

Reward Type

Points

Loyalty Program

Vancity Rewards

Pros & Cons

Pros

  • No annual fee
  • Purchase interest-free period
  • No balance transfer fee
  • No income requirements

Cons

  • Points earned on every $2
  • Limited added perks
  • Limited coverage
  • Exclusive to BC residents
enviro™ Visa* Classic card

enviro™ Visa* Classic card

3.0

FinlyWealth Rating

APPLY NOW

on Vancity's website

Get personalized rewards estimates — see exactly how much you could earn.

enviro™ Visa* Classic card Points Calculator

1 You, your spouse, and your dependent children have a specified amount of travel accident coverage for specified losses while traveling by common carrier when you purchase at least 75% of the common carrier fare with your enviro Visa card.


Applicable only to the following credit cards:

  • enviro Visa Gold️ card
  • enviro Visa Infinite* card
  • enviro Visa Infinite Privilege* card
  • enviro Visa Infinite Business* card

2 Most items you buy with your enviro Visa card will be protected in the event of direct physical damage or theft for a specified amount of days from the purchase date.

Applicable only to the following credit cards:

  • enviro Visa Classic card
  • enviro Visa Gold️ card
  • enviro Visa Infinite card
  • enviro Visa Infinite Privilege card
  • enviro Visa Business card
  • enviro Visa Infinite Business card

3 Extend the manufacturer’s Canadian warranty by up to a specified amount of time on most items purchased with your enviro Visa card.

Applicable only to the following credit cards:

  • enviro Visa Classic card
  • enviro Visa Gold️ card
  • enviro Visa Infinite card
  • enviro Visa Infinite Privilege card
  • enviro Visa Business card
  • enviro Visa Infinite Business card

View agreements for full coverage details.


4 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 are subject to change without notice. See the Vancity Credit Card Agreement and Disclosure Statement for more details.



enviro™ Visa* Classic card
APPLY NOW

on Vancity's website