Your rewards
How you earn rewards
Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With Vancity enviro Visa Infinite Card, here's how you earn rewards:
- 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
For all reward details click here.
How much your rewards are worth
The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For Vancity enviro Visa Infinite Card in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose:
| Statement credits | $458 | |
| Travel | $458 | |
| Gift Cards | $458 | |
| Donations | $458 |
Calculating your annual rewards
$24,000 annual spending x 1.91% return on spending = $458 annual rewards
$458 annual rewards − $120.00 annual fee = $338 net annual rewards
Details and eligibility
- Estimated Credit Score
- 660 - 724
- Personal Income
- $60,000
- Household Income
- $100,000
- Annual Fee
- $120.00
- First Year Free
- Yes
- Extra Card Fee
- $0
- Card type
- Credit
- Purchase
- 19.50%
- Cash Advance
- 19.50%
- Balance Transfer
- 19.50%
Insurance coverage
- Extended Warranty
- 1 year
- Purchase Protection
- 90 days
- Price Protection
- Yes
- Mobile Device
- $1,000
- Travel Accident
- $500,000
- Flight Delay
- $500
- Baggage Delay
- $500
- Lost or Stolen Baggage
- $1,000
- Rental Car Theft & Damage
- Yes
Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.
Learn more about the value of credit card insurance coverage.
Genius Rating
Vancity enviro Visa Infinite Card's 3.8 Genius Rating is based on the weighted average of the following scores:
Methodology
All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.
Top card from Vancity
Vancity enviro Visa Infinite review
For residents of British Columbia, Vancity is a credit union you can turn to for your banking needs.
They also offer a selection of Visa credit cards. Here's a closer look at what the Vancity enviro Visa Infinite Card offers members.
Vancity enviro Visa Infinite Card rewards
Vancity operates their own rewards program called Vancity Rewards.
Let's start with what Vancity Rewards points are worth and what you can do with them. When redeeming your points, you get to choose from these options:
- Cash back‡
- Travel through Vancity Rewards
- Donations
- Gift cards
All these options produce the same value for your points – 100 points will get you $1 worth of rewards, or a value of 1 cent per point.
So what will you earn? Here are the card's earn rates:
- 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
Those are some impressive earn rates. Let's start with local merchants, where you can get 10% back. The list is small – here are the businesses that qualify, which also include special offers.
At the end of it, you're still getting at least 1.25% back. Considering most premium cards only offer 1% on all other purchases, it's quite good by comparison.
Overall, we have the card giving an average earn rate of 1.91% based on a typical $2,000 monthly spend. And that doesn't include any potential spending on transit or BC Ferries, which would only increase that number.
3 benefits of the Vancity enviro Visa Infinite Card
There's more to this card than just the rewards – here are 5 other things it brings to the table.
1. Vancity enviroFund™ contributions
By having the Vancity enviro Visa Infinite Card, you'll be indirectly making contributions to help the environment.
With every purchase you make on your enviro Visa card, 5% of profits go to supporting environmental initiatives through the Vancity enviroFund™ .
If you want to get an idea of your carbon footprint, Vancity has a Carbon Counter™. They'll estimate your carbon footprint based on your purchases.
2. Excellent insurance coverage
The insurance included is excellent, with 9 types included. You can see the full details in the insurance section above.
One coverage we'll highlight here is the price protection insurance. It's a very rare coverage, where you can get a rebate if an eligible item you bought goes on sale for less within 60 days of your purchase.
3. Visa Infinite benefits
It's a Visa Infinite card, so there are some standard benefits that come with it. So whether it's hotel savings through the Visa Infinite Luxury Hotel Collection or getting access to special Dining Events, you'll get access to everything a Visa Infinite card has to offer.
2 downsides to the Vancity enviro Visa Infinite Card
Here are 2 things you'll want to keep in mind with the Vancity enviro Visa Infinite Card.
1. High income requirements
As a Visa Infinite card, there are high income requirements to meet.
You'll need either a personal income of $60,000 or a $100,000 household income to qualify for the card.
2. Only available to residents of British Columbia
There's another qualification to meet – you need to live in BC to get the card.
If you live elsewhere in Canada, you won't be able to get it.
Comparison to the Vancity enviro Visa Classic card with Vancity Rewards
Vancity offers a few different credit cards, here's how their no annual fee Vancity enviro Visa Classic card with Vancity Rewards stacks up.
| Vancity enviro Visa Infinite Card | Vancity enviro Visa Classic card with Vancity Rewards | |
|---|---|---|
| Welcome Bonus | None | None |
| Earn Rates | * 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 | * 1 point per $1 spent on travel booked through Vancity Rewards * 1 point per $2 spent on all purchases |
| Insurance Coverage | 9 types§ | 3 types§ |
| Special features | * 5% of profits to go the Vancity enviroFund™ * Visa Infinite benefits | * Ability to get a lower interest rate of 11.25% * 5% of profits to go the Vancity enviroFund™ |
| Income Requirements | * $60,000 personal * $100,000 household | None |
| Annual Fee | $120 | $0 |
Which card is better depends on how much you spend and want in a card. The Visa Infinite card offers more rewards, insurance, and perks, for a $120 annual fee.
If you prefer a card without an annual fee, the Vancity enviro Visa Classic card with Vancity Rewards is your better option. If you tend to carry a balance, then the Vancity enviro Visa Classic card with Vancity Rewards gives you the option to get a lower interest rate as well.
Leave a user review
These are the creditcardGenius team's thoughts on the Vancity enviro Visa Classic card with Vancity Rewards. But what are yours?
If you have the card now, or had it in the past, leave a review below so others can see real world experiences with the card.
FAQ
What does the Vancity enviro Visa Infinite Card offer for rewards?
The Vancity enviro Visa Infinite Card earns Vancity Rewards at the following rates:
- 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
Vancity Rewards points are worth 1 cent each.
What benefits are included with the Vancity enviro Visa Infinite Card?
Here are the major benefits included with the Vancity enviro Visa Infinite Card:
- Contributions made to the Vancity enviroFund™
- Visa Infinite benefits
- 9 types of insurance.
What is the annual fee and income requirements of the Vancity enviro Visa Infinite Card?
The Vancity enviro Visa Infinite Card has an annual fee of $120 and income requirements of either $60,000 personal or $100,000 household. The card is only available to residents of British Columbia.
Key benefits
* Trademark of Visa Int. Used under license.
enviro™, Vancity enviroFund™ and Carbon Counter™ are trademarks of Vancouver City Savings Credit Union.
‡ Vancity membership required for certain cash back rewards. Must have a Vancity deposit account to redeem for cash. Additional terms and conditions apply.
◊ You will earn more points per $1 on eligible purchases made with an enviro Visa Infinite card. Eligibility is based on the merchant code as classified in the Visa credit card network. Purchases made at merchants classified as (i) Grocery Stores; Freezer and Locker Meat Provisioners; Candy Stores; Dairy Product Stores; Bakeries; and Misc. Food Stores – Convenience Stores and Specialty Markets are “groceries”; (ii) Local/Suburban Commuter Passenger Transportation – Railroads; and Transportation Services Not Elsewhere Classified are “public transit and ferries”. Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classified by the Visa credit card network in another manner, in which case the accelerated earn rate will not apply.
§ Common Carrier Travel Accident and Travel Emergency Medical Insurance are insurance coverages underwritten by American Bankers Life Assurance Company of Florida (ABLAC) under Group Policy number VCVIL092019. All other insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy number VCVI092019. Price Protection Service and Emergency Travel Assistance Services are services only and not insurance and are provided by ABIC. ABIC and ABLAC, their subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. ® Assurant is a registered trademark of Assurant, Inc. Details of the coverage, including definitions, benefits, limitations, and exclusions are in the Certificate of Insurance and the Statement of Services provided with the card. Read the Certificate of Insurance and Statement of Services, then keep these documents in a safe place, and take them with you when you travel.
^Terms and conditions apply – for full details click the Apply Now button.
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