Canada · October 2026
Vancity credit cards
8 cards, ranked by estimated net annual rewards value where the issuer states earn rates.
Earns 10 points per $1 at select local businesses, 5 on transit and ferries, 2.5 on groceries, 1.25 on everything else, and double points on travel booked via Vancity Rewards.
Earn: base 1.25 pts · groceries 2.5 pts · travel 2.5 pts · everyday 1.25 pts
- Annual fee
- $120 (Annual fee rebate for Total Chequing Account holders; $0 first additional card, $50 each additional (up to 4))
- Est. net value / yr
- $405
- Welcome offer
- Up to $1,014 value: 2-year annual fee waived, 20,000 points on $3,000 in 3 months, 20,000 on $12,000 in 12 months, $200 travel credit, 2 lounge passes
- Purchase rate
- 19.50%
- Foreign transaction fee
- 2.5%
Premium card earning 10 points per $1 at select local businesses, 5 on transit and ferries, 3 on groceries, 1.5 on everything else, and double points on travel booked via Vancity Rewards.
Earn: base 1.5 pts · groceries 3 pts · travel 3 pts · everyday 1.5 pts
- Annual fee
- $245 (Up to $150 annual fee rebate for Total Chequing Account holders; $0 first additional card, $50 each additional (up to 4))
- Est. net value / yr
- $385
- Welcome offer
- Up to $1,493 rewards value: 30,000 points on $6,000 in 3 months, 30,000 on $12,000 in 6 months, 30,000 on $24,000 in 12 months, $250 travel credit, 6 lounge passes
- Purchase rate
- 19.50%
- Foreign transaction fee
- 2.5%
Visa Infinite with a lower 11.25% rate, earning 10 points per $1 at local businesses, 5 on transit, 2.5 on groceries and 1.25 on everything else.
Earn: base 1.25 pts · groceries 2.5 pts · travel 2.5 pts · everyday 1.25 pts
- Annual fee
- $145 ($145 annual fee; two-year annual fee waiver welcome offer)
- Est. net value / yr
- $380
- Welcome offer
- Two-year annual fee waiver
- Purchase rate
- 11.25%
- Foreign transaction fee
- 2.5%
Earns 1 point per $1 on all purchases and double points on flights, hotels and car rentals booked via Vancity Rewards.
Earn: base 1 pts · travel 2 pts · everyday 1 pts
- Annual fee
- $99 (Annual fee rebate for Total Chequing Account holders; first year fee waived; $0 for up to 4 additional cards)
- Est. net value / yr
- $237
- 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%
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%
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%
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%
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.