Please note: All information about Vancity has been collected independently by Finder and products from Vancity are not available through this site.
If you’re an environmentally conscious BC resident looking for a decent return on your credit card points, Vancity might have a credit card for you. Find out more about Vancity fee-free, low interest and business/personal rewards cards below.
Vancity credit cards
Vancity offers three main types of cards to BC residents: fee-free rewards cards, personal/business rewards cards and low-interest cards. One feature that cuts across all types is that a 5% of profits go to supporting the Vancity enviroFund program. Visa is the only type of card on offer, so you might need to look elsewhere if you’re in the market for a MasterCard or American Express.
enviro Classic Visa Card
The enviro Classic Visa Card lets you earn one point for every two dollars you spend on regular purchases, in addition to one point per dollar when you book travel through the Vancity Rewards program
This card doesn’t charge an annual fee and comes with travel accident insurance up to $200,000, extended warranty coverage and purchase security coverage.
No annual fee. Pay zero fees to rack up Vancity rewards points.
Insurance options. Get purchase protection, warranty coverage and travel insurance when you shop with your card.
Flexible points. Use points for cashback, travel discounts, gift cards and charitable donations.
Low return. You need to spend at least $200 to earn one dollar in rewards
BC residents only. You can only qualify for this card if you’re a BC resident and are at least 19 years old.
enviro Classic Visa Low-Interest Card
You won’t collect rewards or qualify for additional benefits with this card, but the relatively low interest rate on purchases is a big draw for customers compared to other cards on the market. You’ll also pay a much smaller annual fee than with most other Vancity cards. Consider this card if you’re looking to finance a large purchase or you have trouble paying off your balance in full every month.
Reasonable fee. The annual fee for this card is less than what you’d pay with most other Vancity cards.
Basic insurance. Benefit from purchase and warranty protection, as well as bare-bones travel accident insurance.
Free additional cards. You can add up to four additional cards at no extra cost.
No rewards. You won’t earn points or cashback on purchases.
Only in BC. This card is only available to residents of British Columbia.
Few benefits. It’s a fairly basic card, so you won’t be able to take advantage of many extras.
enviro Gold Visa card with Vancity Rewards Accelerator
This card comes with a high fee but offers more rewards points for every dollar you spend, along with a welcome bonus and bonus points every year on your card’s anniversary. You’ll also earn additional the points when you book travel through the Vancity rewards program.
You’ll also get access to extra benefits including travel insurance – with coverage for accidents, auto rental theft/collision, delayed/lost baggage and more – as well as extended warranty/purchase protection on all purchases made with your card.
More points. This card offers an “accelerator program” that allows you to earn more points on every dollar and earn bonus points as soon as you make your first purchase
Rewards for customer loyalty. Rack up thousands of extra bonus points each year on the date you signed up for the card.
Comprehensive insurance. Benefit from comprehensive travel insurance as well as purchase and warranty protection.
High fee. The fee for this card is higher than the fee on offer for similar cards.
Low value. Your points aren’t worth as much as with other credit card providers.
Only in BC. This card is only available to residents of British Columbia.
Vancity credit cards rewards program
Vancity credit cards offer returns in the form of cashback, travel discounts, charitable donations and gift cards.
How to redeem points
For cashback, you can sign into your online banking to see how much you’ve earned and request to apply amounts onto your next bank statement. To redeem points for all other categories, you need to sign on to your rewards account at www.rewards.vancity.com.
Typical card benefits and features of a Vancity credit card
Vancity offers a number of credit cards options to suit every need. Each card offers its own range of unique features, but there are also common features across cards.
enviro promise. 5% of the profits Vancity makes on your card will go to their environment fund.
Contactless payments. Check out in a flash with Tap & Go.
Lowest price guarantee. You’ll typically be reimbursed for the difference on a purchase if you find a lower written advertised price within 60 days.
Automatic and recurring payments. Schedule payments in advance so you never miss a bill again.
Purchase protection. Enjoy damage, loss or theft protection on most purchases.
Apple pay. Make secure electronic payments in-store, in apps and on the web.
How to apply for a credit card with Vancity
You can apply for a credit card with Vancity through its website. Before you apply, make sure you meet the minimum eligibility requirements and prepare some basic information.
Eligibility criteria
You must be at least 19 years old.
You must be a BC resident.
Required documents
Full name and date of birth.
Street address and phone number.
Valid email address.
Total annual income.
How does Vancity keep my credit card information safe?
Vancity provides enhanced protection for your card by asking for a PIN when you make purchases. They also have fraud detection software that can signal when there’s suspicious activity on your account.
Compare other credit cards
Bottom line
Vancity has a nice selection of cards and a reasonable return on points (although not the highest you can get). It offers no fee and low-interest cards, as well as personal and business cards with a higher fee and return on points. Most cards come with some form of insurance and are only available to BC residents above the age of 19 years old. Compare their current cards to find out which one is the best fit for you.
Frequently asked questions
You can exchange your points for cashback, travel discounts, gift certificates and charitable donations (with a tax receipt).
You won’t earn cashback on cash advances, balance transfers, or additional charges like annual fees, foreign exchange transactions and insurance premiums.
No, they have fraud detection systems in place to protect your accounts from suspicious or unauthorized transactions.
It depends on the card. Some cards are fee-free but offer limited rewards, while others come with a medium-high fee, but offer lots of benefits.
Claire Horwood is a writer at Finder, specializing in credit cards, loans and other financial products. She has a Bachelor of Arts in Gender Studies from the University of Victoria, and an Associate’s Degree in Science from Camosun College. Much of Claire’s coursework has focused on writing and statistics, with a healthy dose of social and cultural analysis mixed in for good measure. In her spare time, Claire enjoys rock climbing, travelling and drinking inordinate amounts of coffee.
Discover the features, fees and eligibility requirements of the most prestigious credit cards in Canada.
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