Vancity enviro Visa Infinite Business

10 points per $1 at select local businesses (Vancity's 'local business' merchant list); 5 points per $1 on transit, ferries, buses, taxis, rail and parking; 2.5 points per $1 on office supplies, hardware and electronics; 1.25 points per $1 on all other purchases; 2x points on travel booked through rewards.vancity.com. The earn_travel value of 2.5 above records the office-supplies/hardware/electronics tier. The travel multiplier is a 2x booking-portal bonus rather than a category rate.

'Get up to $210 in value'. Comprising the $120 first-year annual fee waiver plus a $90 Visa Airport Companion membership value.

The strongest premium business card in the credit union segment. ELIGIBILITY. Vancity publishes a genuine income/revenue test: one associated individual must meet at least one of $30,000 annual credit card spend, $100,000 household income, $60,000 personal income, $250,000+ investible funds, OR $500,000 business revenue. That $500,000 business revenue alternative is the closest thing in the credit union segment to a fintech-style revenue gate, though the alternatives make it easy to clear. Must be a Vancity business member; eligible entity types are sole proprietor, partnership, limited company, co-operative or not-for-profit. PROVINCE: Vancity operates only in British Columbia, so all other provinces and territories are recorded as excluded. Insurance package covers auto rental collision/loss damage, common carrier travel accident, delayed/lost baggage, emergency travel assistance, flight delay, trip cancellation/interruption, extended warranty, purchase security, mobile device and a liability waiver. But Vancity does not publish the dollar amounts or day limits on the product page (they sit in the Certificate of Insurance), and the disclosure statement PDF returns 404. Lounge access is a complimentary Visa Airport Companion membership covering 1,200+ lounges, but the MEMBERSHIP is free, not the visits. No complimentary visits are published, hence 0. 21-day interest-free grace period on new purchases. Free employee cards: 1. The first supplementary card is free; each additional card is $50, to a maximum of 10 cards total. British Columbia only. You must be a Vancity business member. Only the FIRST supplementary card is free; cards 3 through 10 cost $50 each, so a 5-person team pays $150/year on top of the $120 fee. Visa Airport Companion gives you the free membership, not free lounge visits, visits are paid. Insurance dollar amounts and day limits are not published on the product page and the linked disclosure statement PDF is a dead link (404). The 10x local-business rate is confined to Vancity's curated local merchant list. Cash advance APR and FX fee are not published anywhere on the product page.