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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.
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
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Card Type
Credit
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
Common Carrier Travel Accident Insurance1
Up to $200,000
Purchase Protection2
90 days
Extended Warranty3
Up to a year
Benefits
Details
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
Legal
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.