Canada · personal card · Vancity
enviro Visa Gold card review
Earns 1 point per $1 on all purchases and double points on flights, hotels and car rentals booked via Vancity Rewards.
Key facts
- Issuer
- Vancity
- Network
- Visa
- Annual fee
- $99 (Annual fee rebate for Total Chequing Account holders; first year fee waived; $0 for up to 4 additional cards)
- Welcome offer
- Up to $234 value: first-year fee waived, 2,500 points after first purchase, 7,500 points on $2,000 in 3 months, 3,500 points each anniversary
- Purchase rate
- 19.50%
- Foreign transaction fee
- 2.5%
- Minimum personal income
- Not stated
- Minimum household income
- Not stated
- Available in Quebec
- Not stated
- Insurance
- Auto rental collision/loss damage; Common carrier travel accident; Extended warranty; Purchase security; Price protection
- Est. net value / yr
- $237 ($336 rewards − $99 fee)
- Points value
- Vancity Rewards at 1¢ CAD each
Rewards
Earns 1 point per $1 on all purchases and double points on flights, hotels and car rentals booked via Vancity Rewards.
Earn rates the issuer states: base 1 pts · travel 2 pts · everyday 1 pts.
How we put this page together
Every figure here was read on Vancity’s own page on October 7, 2026; fields the page did not state are shown as “not stated” rather than estimated. The net value estimate uses the method on our Canada methodology. Card rules and your rights as a cardholder: FCAC. Note: Read via browser (curl blocked by Vercel checkpoint). Rates on index page marked with delta footnote; Vancity Rewards 100 points = $1. FX fee and cash advance APR not on page. Points earned shown per $1; category rates from index calculator. Business cards not captured. FX fee read on issuer document: https://creditcardapplication.vancity.com/Content/Vancity-Visa_Fees-and-Important-Info.pdf
Frequently asked questions
What is the annual fee on the enviro Visa Gold card?
$99 (Annual fee rebate for Total Chequing Account holders; first year fee waived; $0 for up to 4 additional cards), as read on Vancity’s website on October 7, 2026.
Is there a foreign transaction fee on the enviro Visa Gold card?
The issuer states a 2.5% foreign currency conversion fee.
What income do I need for the enviro Visa Gold card?
The issuer’s page did not state a minimum income when we read it.
More Vancity cards
No-fee card earning 1 point per $2 spent on all purchases and double points on travel booked via Vancity Rewards.
Earn: base 0.5 pts · travel 1 pts · everyday 0.5 pts
- Annual fee
- $0 ($0 for up to 4 additional cards)
- Est. net value / yr
- $168
- Purchase rate
- 19.50%
- Foreign transaction fee
- 2.5%
Low-rate version of the Classic card with an 11.25% purchase rate, earning 0.5 points per $1.
Earn: base 0.5 pts · travel 1 pts · everyday 0.5 pts
- Annual fee
- $50 (First-year $50 annual fee waived for new cardholders)
- Est. net value / yr
- $118
- Welcome offer
- First-year $50 annual fee waived
- Purchase rate
- 11.25%
- Foreign transaction fee
- 2.5%
Student Classic card with an 11.25% rate earning 0.5 points per $1.
Earn: base 0.5 pts · everyday 0.5 pts
- Annual fee
- $50 ($50 annual fee)
- Est. net value / yr
- $100
- Welcome offer
- Up to $100 in rewards value in first 3 months
- Purchase rate
- 11.25%
- Foreign transaction fee
- 2.5%
No-fee student card earning 0.5 points per $1 on all purchases, with a welcome offer of up to $100 in rewards value.
Earn: base 0.5 pts · everyday 0.5 pts
- Annual fee
- $0 (No annual fee)
- Est. net value / yr
- $150
- Welcome offer
- Up to $100 in rewards value in first 3 months
- Purchase rate
- 19.50%
- Foreign transaction fee
- 2.5%
Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.