Vancity is the largest credit union in British Columbia and one of the highest-revenue financial companies in all of Canada. They offer a selection of Visa credit cards, including the premium Vancity enviro Visa Infinite Privilege.

Here's what members can expect of the credit union's top-tier card.

Vancity enviro Visa Infinite Privilege rewards

This Vancity credit card earns points within the Vancity Rewards program.

Once you've accumulated Vancity Rewards points, choose from these redemption options:

• Cash back
• Travel through Vancity Rewards
• Donations
• Gift cards

Unlike some programs with variable redemption values, Vancity gives a fixed redemption rate where 100 points = $1. Here's how you earn points with this Vancity card:

• 10 points per $1 spent at select stores
• 5 points per $1 spent on public transit and ferries
• 3 points per $1 spent on groceries and travel booked through Vancity Rewards
• 1.5 points per $1 spent on all purchases

These are the highest reward rates of any Vancity credit card. You'll notice that local businesses give the best reward rate. These businesses also offer additional perks and offers to cardholders.

Even when you're not shopping with local businesses or earning an accelerated reward rate, the card gives a solid 1.5 points per $1 spent on all your other purchases.

Related: 15 Of The Best Credit Card Benefits

4 benefits of the Vancity enviro Visa Infinite Privilege

Rewards aren't the only thing you'll get from the card. Here are a few noteworthy benefits you'll also get.

1. Ability to partially waive the annual fee

The card charges a hefty $395, and there is no first year offer on the card. HOwever, it's lower than many other Visa Infinite Privilege cards in Canada.

You can get a discount on the annual fee. Vancity gives a $150 rebate if you have a Total Chequing account.

2. Insurance coverage

Take a look at the 11 types of insurance you'll get, and you'll see mobile device coverage along with rental car, emergency medical, trip coverage, and more.

Find all the details and coverage limits by clicking on the insurance tab above.

3. Airport lounge membership

With this premium Vancity credit card, you'll enjoy Visa Airport Companion membership along with 6 free lounge passes every year.

Vancity estimates the value of membership and the passes at $335.

4. Visa Infinite Privilege benefits

Cards that charge annual fees should include some fantastic benefits to make them stand out. Fortunately, this card gives Visa Infinite Privilege benefits like complimentary concierge service, hotel perks like automatic room upgrades, Access Rewards (formerly Troon Rewards) and Toronto International Film Festival benefits, along with the Visa Infinite Dining series and complimentary GigSky mobile data plans.

Related: Your Guide to Visa Infinite Privilege Benefits in Canada

2 downsides to the Vancity enviro Visa Infinite Privilege

Before you apply, keep these 2 drawbacks of the card in mind.

1. High income requirements

Visa Infinite Privilege credit cards typically ask for high income and this card is no different. You'll need $150,000 personal or $200,000 household income to qualify.

2. Only available to residents of British Columbia

Credit unions usually require proof of residency. The BC-based Vancity Credit Union requires that members live in British Columbia.

Related: Best Credit Union Credit Cards in Canada for 2026

Comparison to the Vancity enviro Visa Infinite Card

The Vancity enviro Visa Infinite Privilege is Vancity's most premium credit card, but how does it compare to Vancity's Visa Infinite offering? Take a look at how it stacks up against the Vancity enviro Visa Infinite Card.

Looking closely, you'll see that the reward rate is actually pretty similar. The Privilege card has only slightly better rates in a couple of categories.

That said, the VIP benefits and airport lounge access are what really set this card apart. If you can qualify for the Vancity enviro Visa Infinite Privilege and take advantage of the annual fee rebate, we think it's worth the effort.

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Now that you know the creditcardGenius team's thoughts on the Vancity enviro Visa Infinite Privilege, what do you think?

If you've had this card in the past or you're a current cardholder, drop a review below to help others get a sense of your experience with the card.

FAQ

What does the Vancity enviro Visa Infinite Privilege offer for rewards?

Vancity Rewards are worth 1 cent each. Here's how you earn them:

• 10 points per $1 spent at select local businesses
• 5 points per $1 spent on public transit and ferries◊
• 2.5 points per $1 spent on groceries.◊
• 1.25 points per $1 spent on all other purchases
• 2x the points when booking travel through Vancity Rewards

What benefits are included with the Vancity enviro Visa Infinite Privilege?

The Vancity enviro Visa Infinite Privilege features a lot of perks. You'll get offers and exclusive discounts with local businesses along with Visa Infinite Privilege benefits like 24/7 complimentary concierge service, Visa Infinite Dining, and Visa Airport Companion membership with 6 free passes every year.

What is the annual fee and income requirements of the Vancity enviro Visa Infinite Privilege?

The Vancity enviro Visa Infinite Privilege has an annual fee of $395 and income requirements of either $150,000 personal or $200,000 household. The card is only available to residents of British Columbia who are at least 19 years old.