Vancity Credit Cards Review

Earn points on your everyday purchases and protect the environment at the same time with Vancity's innovative line of enviro credit cards.

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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.

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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.

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.

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.

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.

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

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