Quels sont les frais annuels de la carte Vancity enviro Visa Infinite?

La carte Vancity enviro Visa Infinite comporte des frais annuels de 120 $.

La carte Vancity enviro Visa Infinite en vaut-elle la peine?

Pour des dépenses typiques de 2 000 $ par mois, WalletReturn estime 291 $ en récompenses annuelles nettes après les frais annuels et 291 $ de valeur la première année, prime de bienvenue comprise. Votre résultat dépend de vos dépenses dans ses catégories bonifiées.

Combien de points ou de remise en argent la carte Vancity enviro Visa Infinite rapporte-t-elle?

10points/$1 qualifyingModo/JJBean/FreshPrep; 2.5eligiblegroceries; 5publictransit/ferry; 2.5designatedVancitytravel; 1.25ordinarypoints/$1. Disjointallocations, no stacked localbonus.

Quel est le taux d’intérêt de la carte Vancity enviro Visa Infinite?

Le taux d’intérêt sur les achats est de 19,5 %.

Les noms officiels des produits sont conservés. Les textes sans version française restent identifiés en anglais; les conditions de l’émetteur font foi.

Vancity enviro Visa Infinite

Vancity

Vancity Rewards

Accumulation des récompenses

groceries: 10 points / $1

Frais annuels: 120,00 $
Récompenses annuelles nettes: 291 $
Valeur la première année: 291 $

Selon des dépenses typiques de 2 000 $ par mois, après les frais annuels. Voir le détail

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Dernière vérification : 10 octobre 2026. Confirmez les conditions actuelles auprès de l’émetteur.Source officielle de l’émetteur

Détails de la carte

Frais annuels

Carte principale : 120,00 $

Cartes supplémentaires : 0 $

Taux d’intérêt

Achats : 19,5 %

Revenu annuel

Aucun minimum publié

Opérations en devises

Frais : À confirmer auprès de l’émetteur

Type de carte

Visa · Voyages

Récompenses

Programme : Vancity Rewards

Émetteur

Vancity

Admissibilité pas entièrement vérifiée

L’approbation relève de l’émetteur.

Comment vous accumulez des récompenses

10points/$1 qualifyingModo/JJBean/FreshPrep
2.5eligiblegroceries
5publictransit/ferry
2.5designatedVancitytravel
1.25ordinarypoints/$1. Disjointallocations, no stacked localbonus
PayWithPoints2000=$20statementcredit
Regularfee120CAD
Insurance/lounge/merchantperks notmonetized

Combien cette carte vaut-elle pour vous?

Selon des dépenses typiques de 2 000 $ par mois

Valeur estimée la première année

291,00 $

net annual rewards

Récompenses annuelles nettes: 291,00 $

Détail des récompenses annuelles

Récompenses accumulées en un an	411,00 $
Frais annuels	− $120.00
Récompenses annuelles nettes	291,00 $

La répartition par catégorie n’est pas encore offerte pour cette carte.

Utiliser vos propres dépenses

Requiert vos données
Complete spending details. Complete spending details to calculate your rewards.

View illustrative rewards

Illustrative example — not your personalized estimate. Example: $2,000/month · $24,000/year · no bonus. Uniform full reward year; half of applicable categories is allocated to eligible scopes, split across sibling scopes; streaming $25, portal/digital/membership $0. These are scenario assumptions. No fee waiver is included. This example does not change your spending profile. Edit example allocations in the card's Rewards & conditions menu.

Example redemption method

Exactselected PayWithPoints option: minimum2000points=$20 against1–3 posted cardpurchase transactions in preceding90calendar days with combinedminimum20CAD; sufficient accumulatedpoints required. FAQprocessed24hours;governing§9 approximately3businessdays. Statementcreditdoesnotwaive minimumdue. Deposit/investment/travel alternatives notassumed; earnedconvertiblevalue notautomatically paidcash.

Illustrative annual rewards: 1 173,00 $
Frais annuels habituels: 120,00 $
Illustrative net ongoing value: 1 053,00 $

Actual rewards depend on eligible purchases, caps and redemption rules. Interest is excluded. Personalize this calculation

Complete these assumptions to calculate your value:

Confirm whether your spending mix is typical throughout one complete rewards year.
Confirm whether this profile includes all purchases for this account, including additional cardholders.
Enter monthly Qualifying Modo/JJBean/FreshPrep card purchases allocated to groceries. This is part of your existing spending.
Enter monthly Qualifying Modo/JJBean/FreshPrep card purchases allocated to dining. This is part of your existing spending.
Enter monthly Qualifying Modo/JJBean/FreshPrep card purchases allocated to gas. This is part of your existing spending.
Enter monthly Qualifying Modo/JJBean/FreshPrep card purchases allocated to transit. This is part of your existing spending.
Enter monthly Qualifying Modo/JJBean/FreshPrep card purchases allocated to travel. This is part of your existing spending.
Enter monthly Qualifying Modo/JJBean/FreshPrep card purchases allocated to recurring_bills. This is part of your existing spending.
Enter monthly Qualifying Modo/JJBean/FreshPrep card purchases allocated to entertainment. This is part of your existing spending.
Enter monthly Qualifying Modo/JJBean/FreshPrep card purchases allocated to drugstore. This is part of your existing spending.
Enter monthly Qualifying Modo/JJBean/FreshPrep card purchases allocated to online_shopping. This is part of your existing spending.
Enter monthly Qualifying Modo/JJBean/FreshPrep card purchases allocated to other. This is part of your existing spending.
Enter monthly Eligible groceryMCC purchases excluding amounts already allocated to localpartners. This is part of your existing spending.
Enter monthly Eligible PUBLIC transit/ferry MCC purchases excluding localpartner amounts. This is part of your existing spending.
Enter monthly Card-paid travel throughVancityRewards designatedwebsite/phone excludinglocalpartner amounts. This is part of your existing spending.

Using typical spending

$2,000/month in Canadian-dollar card spending. Travel benefits assumed usable.

Edit spending

Calculation assumptions for this card

Annual estimate assumptions for Vancity enviro Visa Infinite

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

Monthly limits reset separately in each calendar month or statement cycle, as specified in the earning rules. Unused allowances do not roll over. This estimate uses the same entered spending in each cycle.

Points redemption method

Les montants particuliers de cette carte sont explicitement fixés à 0 $; les dépenses de la catégorie continuent de suivre le taux de base examiné.

Qualifying Modo/JJBean/FreshPrep card purchases allocated to groceries · CAD/monthCurrent issuer named local partners Modo/JJBean/FreshPrep;card registered as primarypayment asapplicable. Netcardpaidpurchases only; no duplicated grocery/transit/travel allocation, no merchantdiscount orfreefirstdeliverybenefit valued;ShiftDelivery businessonly excluded. Parent: $500/month; remaining: $500/month.Qualifying Modo/JJBean/FreshPrep card purchases allocated to dining · CAD/monthCurrent issuer named local partners Modo/JJBean/FreshPrep;card registered as primarypayment asapplicable. Netcardpaidpurchases only; no duplicated grocery/transit/travel allocation, no merchantdiscount orfreefirstdeliverybenefit valued;ShiftDelivery businessonly excluded. Parent: $200/month; remaining: $200/month.Qualifying Modo/JJBean/FreshPrep card purchases allocated to gas · CAD/monthCurrent issuer named local partners Modo/JJBean/FreshPrep;card registered as primarypayment asapplicable. Netcardpaidpurchases only; no duplicated grocery/transit/travel allocation, no merchantdiscount orfreefirstdeliverybenefit valued;ShiftDelivery businessonly excluded. Parent: $150/month; remaining: $150/month.Qualifying Modo/JJBean/FreshPrep card purchases allocated to transit · CAD/monthCurrent issuer named local partners Modo/JJBean/FreshPrep;card registered as primarypayment asapplicable. Netcardpaidpurchases only; no duplicated grocery/transit/travel allocation, no merchantdiscount orfreefirstdeliverybenefit valued;ShiftDelivery businessonly excluded. Parent: $80/month; remaining: $80/month.Qualifying Modo/JJBean/FreshPrep card purchases allocated to travel · CAD/monthCurrent issuer named local partners Modo/JJBean/FreshPrep;card registered as primarypayment asapplicable. Netcardpaidpurchases only; no duplicated grocery/transit/travel allocation, no merchantdiscount orfreefirstdeliverybenefit valued;ShiftDelivery businessonly excluded. Parent: $100/month; remaining: $100/month.Qualifying Modo/JJBean/FreshPrep card purchases allocated to recurring_bills · CAD/monthCurrent issuer named local partners Modo/JJBean/FreshPrep;card registered as primarypayment asapplicable. Netcardpaidpurchases only; no duplicated grocery/transit/travel allocation, no merchantdiscount orfreefirstdeliverybenefit valued;ShiftDelivery businessonly excluded. Parent: $200/month; remaining: $200/month.Qualifying Modo/JJBean/FreshPrep card purchases allocated to entertainment · CAD/monthCurrent issuer named local partners Modo/JJBean/FreshPrep;card registered as primarypayment asapplicable. Netcardpaidpurchases only; no duplicated grocery/transit/travel allocation, no merchantdiscount orfreefirstdeliverybenefit valued;ShiftDelivery businessonly excluded. Parent: $100/month; remaining: $100/month.Qualifying Modo/JJBean/FreshPrep card purchases allocated to drugstore · CAD/monthCurrent issuer named local partners Modo/JJBean/FreshPrep;card registered as primarypayment asapplicable. Netcardpaidpurchases only; no duplicated grocery/transit/travel allocation, no merchantdiscount orfreefirstdeliverybenefit valued;ShiftDelivery businessonly excluded. Parent: $40/month; remaining: $40/month.Qualifying Modo/JJBean/FreshPrep card purchases allocated to online_shopping · CAD/monthCurrent issuer named local partners Modo/JJBean/FreshPrep;card registered as primarypayment asapplicable. Netcardpaidpurchases only; no duplicated grocery/transit/travel allocation, no merchantdiscount orfreefirstdeliverybenefit valued;ShiftDelivery businessonly excluded. Parent: $300/month; remaining: $300/month.Qualifying Modo/JJBean/FreshPrep card purchases allocated to other · CAD/monthCurrent issuer named local partners Modo/JJBean/FreshPrep;card registered as primarypayment asapplicable. Netcardpaidpurchases only; no duplicated grocery/transit/travel allocation, no merchantdiscount orfreefirstdeliverybenefit valued;ShiftDelivery businessonly excluded. Parent: $330/month; remaining: $330/month.Eligible groceryMCC purchases excluding amounts already allocated to localpartners · CAD/monthVisa grocery,freezer/meat,candy,dairy,bakeries,specialty/conveniencefood merchantclasses; exact classification required, no duplicate localspend. Parent: $500/month; remaining: $500/month.Eligible PUBLIC transit/ferry MCC purchases excluding localpartner amounts · CAD/monthLocal/suburban commuterpassengertransportation railroads;transportationnotelsewhereclassified. Ordinary taxis/buses/parking mustnotautomatically receive5. Parent: $80/month; remaining: $80/month.Card-paid travel throughVancityRewards designatedwebsite/phone excludinglocalpartner amounts · CAD/monthDoubleordinarybase onlyfortravelthroughrewards.vancity.com or1-866-661-3377; point-funded purchases notcardspend. Parent: $100/month; remaining: $100/month.Je suppose une répartition uniforme des dépenses pendant tout le cycle de récompensesCe profil représente tous les achats de ce compte, y compris ceux des titulaires supplémentaires concernés

Monthly spending details

Review your monthly spending. Apply changes to update your profile across WalletReturn.

Taux d’accumulation, plafonds et options d’échange

Récompenses annuelles nettes: 291,00 $
Valeur la première année: 291,00 $

Reviewed comparison example · typical Canadian spending · not your personalized estimate

Earning categories

Groceries at local businesses, dining at local businesses, gas at local businesses, transit at local businesses, travel at local businesses, recurring bills at local businesses, entertainment at local businesses, drugstores at local businesses, online shopping at local businesses and everything else at local businesses10×points per $1
Transport en commun5×points per $1
Groceries and direct airline & vacation bookings2.5×points per $1
Tout le reste1.25×points per $1

Earning rules and limits

Applicants must be at least 19 and live in British Columbia.
Eligible merchant and programme restrictions apply.
The first supplementary card is free.
Later supplementary cards cost $50 each, up to four cards.

Redemption methods

Pay with Points
1¢ per point
Fonctionnement
- FAQprocessed 24 hours.
Issuer redemption terms

Rates checked 2026-10-10. Issuer rewards terms

Issuer category definitions, earning limits and restrictions apply.

Assurances et avantages

Soins médicaux en voyage: not included
Annulation de voyage: not included
Interruption de voyage: not included
Retard de vol: included
Bagages: included
Location de voiture: included
Accident de voyage: included
Vol à l’hôtel ou au motel: not included
Appareils mobiles: included
Protection des achats: included
Garantie prolongée: included

7 assurances1 avantage

AssuranceCoverage

Auto rental collision/loss damage insuranceInclus
See the issuer’s certificate of insurance for eligibility and exclusions.
Issuer terms (opens new tab)
Not counted in this estimate
Assurance accident de voyage en transporteur publicInclus
See the issuer’s certificate of insurance for eligibility and exclusions.
Issuer terms (opens new tab)
Not counted in this estimate
Delayed and lost baggage insuranceInclus
See the issuer’s certificate of insurance for eligibility and exclusions.
Issuer terms (opens new tab)
Not counted in this estimate
Assurance retard de volInclus
See the issuer’s certificate of insurance for eligibility and exclusions.
Issuer terms (opens new tab)
Not counted in this estimate
Assurance appareils mobilesInclus
See the issuer’s certificate of insurance for eligibility and exclusions.
Issuer terms (opens new tab)
Not counted in this estimate
Assurance protection des achatsInclus
See the issuer’s certificate of insurance for eligibility and exclusions.
Issuer terms (opens new tab)
Not counted in this estimate
Assurance garantie prolongéeInclus
See the issuer’s certificate of insurance for eligibility and exclusions.
Issuer terms (opens new tab)
Not counted in this estimate

AvantagesDétails

2 annual complimentary airport-lounge visits for the primary cardholderInclus
Issuer terms (opens new tab)
Not counted in this estimate

Points forts et points faibles

Points forts

10points/$1 qualifyingModo/JJBean/FreshPrep
Les récompenses typiques couvrent les frais annuels de 120 $
7 types d’assurance inclus

Points faibles

Frais annuels de 120 $
Les catégories bonifiées ont des plafonds de dépenses

Sources et mentions légales

Points à considérer

Confirmez auprès de l’émetteur les frais, les restrictions d’accumulation, les conditions d’adhésion et les modalités actuelles avant de faire une demande.

Dernière vérification : 10 octobre 2026.

Ce qui n’est pas inclus

Les valeurs n’incluent pas les frais d’intérêt : elles supposent que vous payez votre solde en entier chaque mois. Les assurances et les avantages sans valeur fixe en dollars sont indiqués, mais pas comptés.

WalletReturn est un site de comparaison indépendant, pas l’émetteur de la carte. Les valeurs sont des estimations.

Divulgation publicitaire : WalletReturn peut toucher une commission lorsque vous faites une demande au moyen de certains liens. Cela ne change ni nos calculs ni l’ordre des cartes. Consultez notre méthodologie publiée et divulgation publicitaire.

Vérifiez les conditions actuelles du produit auprès de l’émetteur avant de faire une demande.

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