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envireo visa classic

3

/5

Vancity

Visa

enviro™ Visa* Classic card Points Calculator

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

Our Take

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.

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enviro™ Visa* Classic card review

Card Details

Interest Rates

Purchase: 19.50%

Cash Advance: 19.50%

Balance Transfer: 19.50%

Annual Fees

Main Card: $0

Additional Cards: $0 for up to 4 cards

Annual Income

Personal: N/A

Household: N/A

Credit Score Estimate

300
Poor
560
Fair
660⁎
Good
725⁎
Very Good
760⁎
Excellent
⁎Estimates based on Equifax scoring

Card Type

Credit

Reward Type

Type: Points

Loyalty Program: Vancity Rewards

Our Rating

3/5

Institution

Vancity

How You Earn 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

Annual Rewards Breakdown

Annual Rewards Summary

Point Redemptions

Redemption Method

Net Value (After Annual Fee)

Insurance & Benefits

3 insurance
1 benefit

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

    • 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

    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.