Triangle Mastercard vs Vancity Enviro Visa Infinite

Compare these two credit cards side-by-side to see which one offers better value for your spending habits.

Triangle Mastercard

Triangle Mastercard

Annual Fee: $0
Your Monthly Rewards: $0.00
Apply Now
VS
Vancity Enviro Visa Infinite

Vancity Enviro Visa Infinite

Annual Fee: $120
Your Monthly Rewards: $0.00

Overview

When it comes to choosing the perfect credit card, you need clarity, precision, and insights you can trust. That's why Dollarwise rigorously evaluates every card across seven critical factors, ensuring you get a detailed and actionable review.

Below you'll find a table which shows you the estimated reward each card will earn, as well as the ratings we gave the cards for each category. We compared the cards based on their perks, fees, approval rate, insurance, acceptance by merchants, interest rates and the rewards you'll earn. Each score is out of a maximum of 5.

Triangle Mastercard
Comparison
Vancity Enviro Visa Infinite
$0
Rewards
Annual rewards estimate
$0
1.2/5
Perks
Travel benefits and extras
1.7/5
5/5
Fees
How competitive the fees are
1.8/5
2.5/5
Approval
How easy it is to get approved
3/5
0/5
Insurance
Insurance coverage and benefits
2.8/5
4.8/5
Acceptance
Where you can use the card
5/5
2.4/5
Interest rates
How competitive the interest rates are
3.3/5

Details and Eligibility

Compare the basic details and eligibility requirements for each card to see which one you qualify for.

Triangle Mastercard
Details
Vancity Enviro Visa Infinite
Mastercard
Card type
Visa
Triangle
Issuer
Vancity Enviro
760
Min credit score
660
$0
Personal income
$60,000
$0
Household income
$100,000

Rewards

We estimate that spending $2,000 per month with the Triangle Mastercard would earn $0 in rewards over the year and with the Vancity Enviro Visa Infinite you would earn $0 in rewards.

When you spend using the Triangle Mastercard you will earn points called Triangle.

When you spend using the Vancity Enviro Visa Infinite you will earn points called Vancity Rewards.

We can also compare the Triangle Mastercard vs Vancity Enviro Visa Infinite based on the amount earned in each spend category:

Annual rewards by spend category

Triangle Mastercard
Rewards
Vancity Enviro Visa Infinite
$12
Gas
$30
$21
Bills
$53
$3
Pharmacy
$8
$90
Groceries
$150
$12
Restaurants
$30
$40
Specific Stores
$120
$6
Travel
$15
$30
Other
$75

First, let's look at the actual reward structure for each card:

Raw reward rates

Triangle Mastercard
Reward structure
Vancity Enviro Visa Infinite
0.50 points
Gas
1.25 points
0.50 points
Bills
1.25 points
0.50 points
Pharmacy
1.25 points
1.50 points
Groceries
2.5 points
0.50 points
Restaurants
1.25 points
3.37 points
Specific Stores
10 points
0.50 points
Travel
1.25 points
0.50 points
Other
1.25 points

We can also compare the Triangle Mastercard vs Vancity Enviro Visa Infinite based on the "earn rate", which shows in percentage terms how much you'll get back on your spend.

Rewards earn rate (converted to %)

Triangle Mastercard
Rewards earn rate
Vancity Enviro Visa Infinite
0.5%
Gas
1.3%
0.5%
Bills
1.3%
0.5%
Pharmacy
1.3%
1.5%
Groceries
2.5%
0.5%
Restaurants
1.3%
3.4%
Specific Stores
10.0%
0.5%
Travel
1.3%
0.5%
Other
1.3%

Fees

When it comes to fees, the Triangle Mastercard is better than the Vancity Enviro Visa Infinite.

The Triangle Mastercard charges an annual fee of $0, which is $120 less than the $120 annual fee for the Vancity Enviro Visa Infinite. So, if annual fees are important to you, then the Triangle Mastercard is the better choice.

Triangle Mastercard
Fees
Vancity Enviro Visa Infinite
$0
Annual fee
$120
$0
Extra card
$0
2.5%
Foreign exchange fee
2.5%

Perks

Triangle Mastercard
Perks
Vancity Enviro Visa Infinite
No
Lounge Access
No
No
Priority Boarding
No
No
Priority Security
No
No
Checked Bags
No
No
Concierge Service
No
No
Elite Status Acceleration
No

Neither Triangle Mastercard nor Vancity Enviro Visa Infinite provides airline-specific travel perks like lounge access, priority boarding, expedited security, or a complimentary checked bag.

Concierge Service

Neither card offers concierge service.

Elite Status Acceleration

Neither card provides elite status acceleration. If climbing loyalty tiers is important to you, you might consider other options.

Interest Rates

The Vancity Enviro Visa Infinite has better interest rates overall than the Triangle Mastercard.

The Triangle Mastercard charges 21.99 on your credit balance for purchases, which is different from the interest rate on the Vancity Enviro Visa Infinite.

It's worth noting that the Triangle Mastercard has an interest rate of 22.99 on any balance you transfer to this card from another credit card. That rate is higher than the 19.5 that is charged on the Vancity Enviro Visa Infinite. If you expect to transfer a balance to this card then the Vancity Enviro Visa Infinite might save you a lot of money.

Triangle Mastercard
Interest Rates
Vancity Enviro Visa Infinite
21.99%
Purchases
19.5%
22.99%
Cash advance
19.5%
22.99%
Balance transfer
19.5%

Insurance

The Vancity Enviro Visa Infinite gives you more insurance than the Triangle Mastercard.

The Vancity Enviro Visa Infinite includes 6 types of insurance, whereas the Triangle Mastercard only gives you 2. In comparison, the average credit card gives you 5 types of insurance. So, if insurance is important to you, then the Vancity Enviro Visa Infinite is the better choice.

Triangle Mastercard
Insurance
Vancity Enviro Visa Infinite
N/A
Emergency Medical
N/A
N/A
Extended Warranty
N/A
N/A
Mobile Device
N/A
N/A
Purchase Protection
N/A
N/A
Car Rental Theft/Damage
N/A
N/A
Travel Accident
N/A

Our Recommendation

Enter your monthly spending above to see personalized recommendations based on your actual usage patterns.

Related Comparisons

The Triangle Mastercard is often compared against other similar cards in the market. We've also compared it against various other options to help you make the best choice.

The Vancity Enviro Visa Infinite is often compared with other premium cards in its category. We've also compared it against other cards to give you comprehensive insights.