1This offer (the “Welcome Offer”) is only available online to British Columbia residents and if you are at least 19 years old. For any application, we will obtain your credit bureau report to confirm your continuing eligibility for our product. Approval for a Vancity enviro Visa Infinite card (the “Account”) is subject to meeting one of the minimum declaration requirements for the card (a minimum annual credit card spend of $15,000, a minimum household income of $100,000, a minimum annual personal income of $60,000, or minimum assets under management of $250,000). Additional terms and conditions apply. The Welcome Offer and Annual Fee Rebate may be changed, withdrawn or extended at any time, without notice, and cannot be combined with any other offer unless otherwise specified. This Welcome Offer and Annual Fee Rebate is not available to existing cardholders and cardholders who have activated and/or closed a Vancity enviro Visa Account in the last 12 months. Must apply by November 1, 2026.
2We will charge an annual fee of $120 on your first statement after approval (whether or not the card has been activated) and apply a credit of $120 on that same statement to reverse the charge (the “Annual Fee Rebate”). On your anniversary month statement, we will charge your next annual fee and credit the same amount back to your account on the same statement, for a total of two Annual Fee Rebates. Authorized users on the account who are charged an annual fee will also receive an Annual Fee Rebate on the same basis, provided they were added to the account at the time of your application. Authorized users added after account opening will not qualify for the rebate. To receive the second Annual Fee Rebate, your account must be open, in good standing, meaning your account is not past due, overlimit, or otherwise in default under your cardholder agreement, and must remain in the same credit card product you were approved for. After the two-year rebate period ends, regular annual fees for each cardholder will be charged on the applicable anniversary date. If any other refunds or adjustments reduce or reverse the annual fee charge, the corresponding rebate may be adjusted or reversed so that the total rebate does not exceed the annual fee charged.
3You will receive an additional 20,000 Vancity Rewards ($200 value) points (“Spend Bonus”) when you spend $3,000 in eligible purchases within three (3) months of Account opening. The Spend Bonus will be credited to your account within 60 days after the spend criteria has been met. Points are earned based on the dollar amount of Purchases you make on your Card. Any returned items, refunds, rebates or other similar credits on any eligible purchases resulting in the spend criteria not being met will reduce or cancel the Spend Bonus in Vancity’s sole discretion. Cash advances, cash-like transactions (such as money orders, wire transfers, cryptocurrency purchases, peer-to-peer payment transactions, and purchases of travellers cheques or foreign currency), interest charges and fees are not eligible purchases for the Spend Bonus. To receive the Spend Bonus, your account must be open and in good standing, meaning your account is not past due, overlimit, or otherwise in default under your cardholder agreement.
4You will receive an additional 20,000 Vancity Rewards ($200 value) points (“Spend Bonus”) when you spend $12,000 in eligible purchases within twelve (12) months of Account opening. The Spend Bonus will be credited to your account within 60 days after the spend criteria has been met. Points are earned based on the dollar amount of Purchases you make on your Card. Any returned items, refunds, rebates or other similar credits on any eligible purchases resulting in the spend criteria not being met will reduce or cancel the Spend Bonus in Vancity’s sole discretion. Cash advances, cash-like transactions (such as money orders, wire transfers, cryptocurrency purchases, peer-to-peer payment transactions, and purchases of travellers cheques or foreign currency), interest charges and fees are not eligible purchases for the Spend Bonus. To receive the Spend Bonus, your account must be open and in good standing, meaning your account is not past due, overlimit, or otherwise in default under your cardholder agreement.
5To qualify for the $200 statement credit (the “Travel Purchase Bonus”), eligible purchases totaling at least $200 must be made within the first 365 days of account opening. Eligible purchases are purchases from merchants operating under travel-related merchant category codes assigned by the Visa network (“Travel MCCs”).
For purposes of this offer, eligible Travel MCCs include: Airlines (3000-3350), Airlines and Air Carriers (4511), Hotels, Motels, Resorts (7011), Lodging - specific hotel brands (3501-3999), Timeshares (7012), Car Rental Agencies (3351-3500), Automobile Rental Agencies (7512), Travel Agencies and Tour Operators (4722, 4723), Passenger Railways (4112), Steamship and Cruise Lines (4411), Trailer Parks and Campgrounds (7033), and Motor Home and RV Rentals (7519).
Some merchants may sell these or similar products or services, or operate from the premises of other merchants who do, but not be classified by Visa under the Travel MCCs. Only purchases from merchants classified by Visa under the Travel MCCs listed above will qualify. Visa, not Vancity, assigns merchant category codes.
The Travel Purchase Bonus will be credited to your Account within 7 business days after at least $200 in eligible purchases have been made. Cash advances, cash-like transactions (such as money orders, wire transfers, cryptocurrency purchases, peer-to-peer payment transactions, and purchases of travellers cheques or foreign currency), interest charges and fees are not eligible purchases for the Travel Purchase Bonus. If any returns, refunds, rebates, or other credits or adjustments reduce the total amount of eligible purchases below the required spend threshold at any time before or after the Travel Purchase Bonus is awarded, the Travel Purchase Bonus will not be awarded or may be reversed, as applicable. Vancity relies on merchant classification assigned by the Visa network to determine whether a purchase is an eligible purchase. To receive the Travel Purchase Bonus, your account must be open and in good standing, meaning your account is not past due, overlimit, or otherwise in default under your cardholder agreement. Limit one statement credit per account.
⌀enviro Visa Infinite cardholders have access to participating airport lounges through the Visa Airport Companion Program (“Program”), hosted and managed by Dragonpass International Ltd. (“Dragonpass”). Cardholders must enroll for this benefit using a valid enviro Visa Infinite card. Upon enrollment, two complimentary lounge visits will be available for enviro Visa Infinite Primary Cardholders per membership year. All additional visits beyond the 2 complimentary airport lounge visits, are subject to a fee of $32 USD per person per visit. This amount will be converted to Canadian dollars at the applicable exchange rate at the time the transaction is posted. Unless suspended or cancelled, the Program membership and the complimentary airport lounge visits will automatically renew annually on the anniversary date of the Program account. Cardholders who participate in the Program are subject to the terms and conditions of DragonPass and Visa, see: 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 the https://www.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. The value of a Visa Airport Companion membership (managed by DragonPass International Ltd.) and airport lounge visit are based on the value of purchasing a DragonPass membership ($68 USD) and airport lounge visit ($32 USD) converted into CAD at an exchange rate of 1.32. This estimated value is merely an estimate for illustrative purposes only. Actual value of a Visa Airport Companion membership and airport lounge visit may vary.
◊You will earn more points per $1 on eligible purchases made with an enviro Visa Infinite. Eligibility is based on the merchant code as classified in the Visa credit card network. Purchases made at merchants classified as (i) Grocery Stores; Freezer and Locker Meat Provisioners; Candy Stores; Dairy Product Stores; Bakeries; and Misc. Food Stores – Convenience Stores and Specialty Markets are “groceries” and earn 2.5 points with every $1 purchase; (ii) Local/Suburban Commuter Passenger Transportation – Railroads; and Transportation Services Not Elsewhere Classified are “public transit and ferries” and earn 5 points with every $1 purchase. Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classified by the Visa credit card network in another manner, in which case the accelerated earn rate will not apply. Points are earned based on the dollar amount of Purchases you make on your Card. You will not earn Points on Cash Advances, Cash-Like Transactions, Balance Transfers, writing Visa Cheques or for the amounts you pay in interest, annual fees or any other types of fees on your Visa Account. For a full list of terms and conditions, see Vancity Rewards Program terms and conditions.
Vancity membership required for certain cash back rewards. Must have a Vancity deposit account to redeem for cash back. Additional terms and conditions apply.
∞You must be an eligible Visa Infinite cardholder with a valid Canadian issued Visa Infinite card to take advantage of the Visa Infinite benefits and services. Certain benefits and services require enrolment. Offers and benefits are non-transferable and discounts cannot be combined with any other offer or discount. Neither Visa nor Vancity is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers or benefits at any time and without notice. All offers, benefits and services made available through Visa are subject to complete terms and conditions, including third party suppliers’ terms and conditions, available through the Visa Infinite Concierge at 1-888-853-4458, and as set and as set out on visainfinite.ca. The Visa Infinite Privacy Notice policy applies to all benefits and services that require enrolment through, or are otherwise provided by, the Visa Infinite Concierge or the Visa Infinite website or mobile app. The collection, use and disclosure of cardholders’ personal information by third party suppliers of services and benefits to Visa Infinite cardholders are subject to such third parties’ own privacy policies.
6The goods and services cardholders request or otherwise choose to obtain through the Visa Infinite Concierge Service are provided by various third party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about, and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Concierge. Neither Visa nor Vancity is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of cardholders’ requests in all instances. There is no fee for the Concierge’s services, however cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the cardholder and purchased by the Visa Infinite Concierge on the cardholder’s behalf. All costs will be charged directly to the cardholder’s Visa Infinite card.
††Approval for a Vancity Visa Account is subject to credit approval, and to meeting minimum income and/or assets under management requirements. Must be a British Columbia resident and at least 19 years old. For any application, we will obtain your credit bureau report to confirm eligibility for a Vancity Visa Account.
You must be the Primary/First-Named Vancity Total Chequing Account Holder and the Primary Cardholder of an eligible Vancity Visa Account to receive a Visa Annual Fee Rebate on an eligible card as indicated below: a) Partial Annual Fee rebate of $150 for the Primary Cardholder on enviro™ Visa Infinite Privilege* card, or b) Full Annual Fee rebate on enviro™ Visa Infinite* card, enviro™ Visa Gold card, enviro™ Visa Classic card with Low Interest Rate plus Vancity Rewards or enviro™ Visa Gold card with Low Interest Rate plus Vancity Rewards.
Your Vancity Total Chequing Account must be open and in good standing at the time the Visa Annual Fee is charged to receive the rebate. The Visa Annual Fee Rebate will not apply to Authorized User(s) on the Visa Account. The Visa Annual Fee Rebate will occur each year so long as you remain a Primary/First-Named Vancity Total Chequing Account Holder and Vancity Visa Account Primary Cardholder in good standing. Vancity Total Chequing Account Holders can receive one Visa Annual Fee Rebate per Vancity banking relationship. By receiving this rebate, you will not be eligible for additional Visa Annual Fee Rebates or welcome offers. Offer cannot be combined with any other offer unless otherwise specified. If you have more than one Vancity Visa Account, the Visa Annual Fee Rebate will be applied to the card with the highest Visa Annual Fee, on the first Visa Annual Fee charged after the Vancity Total Chequing Account is opened. The Visa Annual Fee Rebate will be credited to the Vancity Total Chequing Account after the Visa Annual Fee is billed to the Vancity Visa Account. May take up to 3 Visa statement cycles to appear. All other fees and charges applicable to the Vancity Visa Account will continue to apply. Vancity Annual Fee Rebate may change or be canceled at any time without notice
ΔYou 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.
§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. 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.
±Vancity Rewards points and offers for Modo, JJ Bean and Fresh Prep are available to Vancity enviro Visa Infinite, Vancity enviro Visa Infinite Privilege and Vancity enviro Visa Infinite Business cardholders only. Vancity Rewards and offers for Shift Delivery are available to Vancity enviro Visa Infinite Business cardholders only. Offers are based on availability, and additional terms and conditions may apply. Vancity, Modo, JJ Bean, Fresh Prep and Shift Delivery reserve the right to modify or cancel this offer at any time and without notice.
†Yearly rewards and benefits value and points earned are merely estimates for illustrative purposes only. Actual points earned may vary depending on card usage as outlined in the Vancity Rewards Program Terms and Conditions. Fees and interest charges may also vary depending on card usage and if you are a Vancity member as outlined in the Credit Card Agreement. Rewards and benefits are subject to change at any time without notice. See vancity.com/VisaAgreements for more information. The applicability of the information in the calculator, and the accuracy of rewards and benefits value and points earned, are not guaranteed.
αThere is no fee to transfer your credit card balance from another financial institution. Please note there is no interest-free grace period on balance transfers Interest will be charged on balance transfer amounts from the date of the transfer.
Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.
*Trademark of Visa Int., used under license
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