Vancity enviro Visa Business

2.5 points per $1 on public transit, ferries, buses, taxi, rail and parking; 1 point per $1 on office supplies, hardware supplies, electronics and more; 0.5 points per $1 on all other purchases; 2x points on flights, hotels and car rentals booked through rewards.vancity.com. Additional spend bonus of 1,000 points in any month where spending reaches $1,000+. The earn_travel value of 1 records the office-supplies/hardware/electronics tier.

Welcome offer 'up to $200 value': 5,000 points ($50) on first purchase; 2,000 points per month ($60 total) for 3 months in each month with $1,000+ spend; plus the ongoing 1,000 bonus points ($10) for $1,000+ monthly spending. Vancity states the welcome offer requires British Columbia residency.

Genuinely strong no-fee proposition for the segment: 10 employee cards at no cost, which beats every bank and most fintechs on employee-card economics. Eligible entity types are sole proprietor, partnership, limited company, co-operative or non-profit. Requires Vancity business membership; Vancity operates in British Columbia only. Insurance is limited to extended warranty and purchase security. No travel insurance, no rental car CDW. Insurance dollar amounts are in the Certificate of Insurance and not published on the product page. No minimum revenue or income test is published for this card (unlike the Infinite Business version). Free employee cards: Up to 10 cards free of charge. British Columbia only. You must be a Vancity business member. The welcome offer explicitly requires BC residency. 0.5 points per $1 on general spend is a 0.5% return. Very low for a card with no fee but also no travel coverage. No travel insurance and no rental car CDW at all. Cash advance APR and FX fee are not published. The '$200 value' welcome offer is only fully earned by spending $1,000+ in each of the first three months.