Vancity enviro Visa Classic with Vancity Rewards Review



Annual Fee


Annual Rewards


Intro Offer


Annual fee


Annual rewards


Intro offer


  • Earn Vancity Rewards on every purchase
  • 19.50% interest rate on purchases
  • No annual fee
  • Eco-friendly card made from recycled plastic
  • Redeem points for travel, merchandize, vouchers, or charitable donations
  • Support local community projects through rewards program
  • Travel accident insurance and auto rental collision/loss damage insurance


  • No welcome bonus for new cardholders
  • Limited to Vancity credit union members
  • Not competitive when compared to other rewards credit cards
  • 19.50% interest rate might be high for some users
  • Not widely accepted outside of Canada

How you earn rewards

Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With Vancity enviro Visa Classic with Vancity Rewards, here’s how you earn rewards:

Specific Stores1 point
All Other Spend0.50 point

How much your rewards are worth

The dollar value of your rewards depends on the specific Vancity Enviro rewards program and what you choose to redeem your points for.

For Vancity enviro Visa Classic with Vancity Rewards in particular, if you spend $2,000.00 per month, here’s our estimated rewards earned depending on which reward you choose:

Redemption methodAnnual rewards
Redeem for travel$126.00
Apply to statement credit$126.00
Gift cards$126.00

Calculating your annual rewards

$24,000.00 annual spending x $0.53% return on spending = $126.00 annual rewards

$126.00 annual rewards – $0.00 annual fee = $$126.00 net annual rewards

Details and eligibility

Do I qualify?
Estimated Credit Score760 – 900
Interest Rates
Cash Advance19.5%
Balance Transfer19.5%
Extra Card Fee$0
Card typeVisa

Insurance coverage

Extended Warranty1 year
Purchase Protection90 days
Travel Accident200000

Vancity enviro Visa Classic with Vancity Rewards Review

The Vancity enviro Visa Classic with Vancity Rewards credit card offers a unique blend of environmentally-conscious features and flexible rewards earning potential that caters to a wide range of users. In this review, we will delve into the card’s earning rates, major benefits, drawbacks, and other relevant information that can help potential cardholders make an informed decision.

Earning Potential

This credit card earns points based on your spending in various categories. For every $2 spent using the card, you will earn 1 Vancity Rewards point. Points can be redeemed for travel, cash, gift cards, or even charitable donations. Although there is no specific bonus rate for dining, travel, or grocery expenses, the earnings remain consistent across all spending categories.

Benefit 1: No Annual Fee

The first major advantage of the Vancity enviro Visa Classic with Vancity Rewards credit card is the absence of an annual fee, making it accessible and affordable for a broad audience. This is particularly appealing to those who are looking for rewards without having to offset the cost of card ownership.

Benefit 2: Environmentally Responsible

This card adheres to a strong focus on environmental sustainability by supporting initiatives that reduce the carbon footprint of its cardholders. A percentage of the card’s annual revenue is donated to the Vancity enviroFund, which in turn supports local green projects and businesses in British Columbia.

Benefit 3: Flexible Rewards Redemption

The Vancity enviro Visa Classic card offers a great deal of flexibility when it comes to redeeming your earned points. You can choose from a wide array of options, including travel, cash, gift cards, or even donating your points to a charity of your choice. This adaptability makes it an attractive card for users with varying preferences and priorities.

Benefit 4: Common Carrier Accidental Death and Dismemberment Insurance

When you pay for your fare on a common carrier (such as a bus, ferry, or airplane) using the Vancity enviro Visa Classic card, you are automatically covered with up to $200,000 in Accidental Death and Dismemberment Insurance. This valuable benefit offers peace of mind while traveling.

Drawback 1: Limited Reward Earning Potential

A significant drawback of this card is its limited reward earning potential. With only 1 point earned for every $2 spent, it may take a considerable amount of spending to accumulate a worthwhile number of points. This may be a discouragement for those who are looking for more lucrative rewards or faster accumulation.

Drawback 2: No Sign-up Bonus

Another drawback to consider is the lack of a sign-up bonus with this card. Many credit cards offer enticing sign-up bonuses to attract new users, and the absence of one for the Vancity enviro Visa Classic card might make it less appealing when compared to competitive options.

Additional Information

Before applying for the Vancity enviro Visa Classic with Vancity Rewards credit card, consider your personal spending habits and whether the rewards and benefits align with your financial goals and lifestyle. Moreover, keep in mind that you must be a Canadian resident and have a minimum annual income of $15,000 to be eligible for this credit card.

Not the right fit? You could consider the Vancity Enviro Classic Visa (Low Rate). Or, if you’re looking for other options check out the Vancity Enviro Gold Visa (Low Rate), and the Vancity enviro Gold Visa.


The Vancity enviro Visa Classic with Vancity Rewards credit card allows cardholders to redeem their points for a variety of rewards. These rewards include:

  • Travel rewards, such as flights, hotel stays, car rentals, and vacation packages
  • Gift cards and merchandise from various retailers and restaurants
  • Charitable donations to eligible community organizations
  • Financial products and services available at Vancity, such as loan rebates and term deposits
  • Visa statement credits to help reduce your card balance
  • My Visa Rewards Plus exclusives, which are unique offers and experiences handpicked for Vancity Rewards members

This wide variety of redemption options ensures that cardholders can find a suitable reward that aligns with their personal preferences and values.

The Vancity enviro Visa Classic with Vancity Rewards credit card does in fact have foreign transaction fees. When you use this card for transactions in currencies other than Canadian dollars, you will be charged a fee of 2.5% on top of the converted amount. This fee is applied to all international purchases, cash advances, and refunds processed in a foreign currency.

The Vancity enviro Visa Classic with Vancity Rewards credit card does not have a specific minimum income requirement. This aspect makes it accessible to a wider range of applicants, including low-income earners and students. Always remember that credit card approval is still subject to factors such as credit history and personal financial situation.

Key benefits

  • Vancity Rewards points earned at a rate of 1 point per $2 spent
  • Points can be transferred to 16+ charity partners
  • Optional extended warranty coverage available
  • 24/7 Lost/stolen card assistance and fraud protection
  • Online and mobile banking access with Vancity
  • Optional overdraft protection
  • Emergency card replacement service
  • Access to exclusive partner offers and promotions
  • Recyclable at end-of-life through Vancity’s partnership with a recycling organization

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