Pros & Cons
Pros
- First Year Annual Fee Rebate ($99 annual fee rebated)
- Welcome Bonus: Up to 10,000 points
- Purchase protection included
Cons
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Our Review
The Vancity enviro™ Visa* Gold card earns 1 Vancity Rewards point per $1, doubled on travel booked through Vancity Rewards, plus 3,500 bonus points on each card anniversary.
New cardholders who apply by November 1, 2026 get 2,500 points on their first purchase, 7,500 more after $2,000 in purchases in the first 3 months, and a rebate of the $99 annual fee for the first year. Vancity values this first-year offer at up to $234.
The card also includes car rental, price protection and purchase insurance. 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
1x
Vancity Rewards pts per dollar
Travel
2x
Vancity Rewards pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
31,800
Vancity Rewards/yr
Estimated Value
$318
After Fees
+$318
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.
$418
incl. welcome bonus
Annual rewards breakdown
First-year advantages
- $99
Travel Insurance
Delayed Baggage
Included
Lost Baggage
Up to $1,000
Travel Accident
Up to $500,000
Purchase Protection
Purchase Protection
Up to $2,500 / 90 days
Extended Warranty
+1 year(s)
Auto Rental
Up to $65,000 / 48 days
Price protection
Included
Fees and interest rates
- Annual Fee$99
First Year Annual Fee Rebate
- Additional card fee$0
- Purchase Rate19.5%
Terms & Conditions
Card Features
- Welcome offer: 2,500 Vancity Rewards points on your first purchase, plus 7,500 points after $2,000 in purchases in the first 3 months
- $99 annual fee rebated for the first year
- Apply by November 1, 2026
- 1 point per $1 on all purchases, doubled on travel booked through Vancity Rewards
- 3,500 bonus points every year on your card anniversary
- 100 points = $1 in value
- Purchase interest rate of 19.50%
- For British Columbia residents aged 19 or older
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. Marie-Ève et Famille 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.
