Vancity
Vancity enviro Visa Classic with Low Interest Rate
Lower your interest rate to 11.25% without giving up rewards. A values-driven Visa for members who sometimes carry a balance.
Starting an application here does not affect your credit score. A credit check happens only when the issuer takes it further.
Annual fee
$50
Purchase rate
11.25% (purchases)
FX fee
2.50%
Grace period
21 days
What this card pays you
This figure reflects your spending profile against this card's published earn rates, minus the annual fee. Category caps, welcome bonuses, insurance and lounge benefits, and first-year fee waivers are excluded from this estimate.
We earn a referral fee if an application is approved. It does not affect this ranking. How we rank
Rewards in full
- 1 Vancity Rewards point per $2 spent on all purchases
- double points (2x) on travel booked through Vancity Rewards
Rates & fees
| Annual fee | $50 |
|---|---|
| Supplementary card fee | $0 for up to 4 supplementary cards |
| Purchase APR | 11.25% (purchases) |
| Balance transfer intro | No current intro offer |
| Balance transfer rate | 11.25% |
| Balance transfer fee | No fee to transfer a balance from another financial institution; no interest-free grace period on transferred balances |
| Cash advance | 11.25% cash advance APR, interest from transaction date (no grace period); flat cash advance fee not publicly disclosed |
| Foreign exchange fee | 2.50% |
| Grace period | 21 days |
| Network | Visa |
Important information
Rates, fees, and offers come from the issuers and can change without notice. Confirm every detail on the issuer's site before you apply. We provide comparisons and application intake only; approval decisions rest solely with the issuer.