Pros & Cons
Pros
- Up to 5x on transit
- Airport lounge access
- Purchase protection included
Cons
- High annual fee ($245/yr)
Our Review
The Vancity enviro™ Visa Infinite Privilege* card is Vancity's top-tier card. It earns 10 points per $1 at select local businesses, 5 on public transit and ferries, 3 on groceries and 1.5 on everything else, with double points on travel booked through Vancity Rewards.
Each cardholder on the account gets 6 complimentary lounge visits a year through Visa Airport Companion, and the insurance package includes travel emergency medical, trip cancellation and mobile device coverage. Vancity is a credit union, and 5% of enviro Visa card profits support its enviroFund™ program every year. The card is available only to British Columbia residents.
Rewards
All Spending
1.5x
Vancity Rewards pts per dollar
Transit
5x
Vancity Rewards pts per dollar
Groceries
3x
Vancity Rewards pts per dollar
Travel
3x
Vancity Rewards pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
64,500
Vancity Rewards/yr
Estimated Value
$645
After Fees
+$400
1st Year ValueThese figures are estimates from our own calculator, based on our point valuations and the spending you enter. They are not the card issuer's valuation and have not been provided or endorsed by the issuer. Actual rewards may vary.
$400
incl. welcome bonus
Annual rewards breakdown
Perks & Benefits
Airport lounge access
Travel Insurance
Travel medical (under 55)
Up to $5,000,000 / 22 days
Travel medical (55-64)
Up to $5,000,000 / 22 days
Travel medical (65+)
Up to $5,000,000 / 3 days
Trip Cancellation
Up to $2,500
Trip Interruption
Up to $2,500
Delayed Baggage
Up to $1,000
Lost Baggage
Up to $2,500
Flight Delay
Up to $1,000
Travel Accident
Up to $500,000
Purchase Protection
Purchase Protection
Up to $2,500 / 120 days
Extended Warranty
+2 year(s)
Mobile Device
Up to $1,000 / 2 year(s)
Auto Rental
Up to $85,000 / 48 days
Price protection
Included
Fees and interest rates
- Annual Fee$245
- Additional card fee$0
- Purchase Rate19.5%
Eligibility
Personal Income
$150,000
Household Income
$200,000
Terms & Conditions
Card Features
- 10 points per $1 at select local businesses, 5 points per $1 on public transit and ferries, 3 points per $1 on groceries and 1.5 points per $1 on all other purchases
- Double points on travel booked through Vancity Rewards
- Visa Airport Companion membership with 6 complimentary lounge visits per year for each cardholder
- Annual fee of $245
- Purchase interest rate of 19.50%
- For British Columbia residents aged 19 or older with $150,000 in personal income, $200,000 in household income, $50,000 in annual credit card spending or $400,000 in investable funds
Legal
*Trademark of Visa Int., used under license. Conditions apply. Vancity is a BC Financial Services Authority authorized credit union and is covered by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC). Available only to British Columbia residents aged 19 or older.
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Sparks and Bloom may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Vancity. All trademarks are property of their respective owners.
