Expired Hot Deals

[Vancity Credit Union] (BC Only) Visa Infinite/Inf Privilege cards $180/$205

  • Last Updated:
  • Sep 16th, 2020 2:30 pm
[OP]
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Jan 9, 2011
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Vancouver

(BC Only) Visa Infinite/Inf Privilege cards $180/$205

Deal Link:
Expiry:
September 30, 2020
Retailer:
Vancity Credit Union
British Columbia residency is required to get these cards
Points are redeemable for travel or cash back at 1¢ each



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Vancity Enviro Visa Infinite
Your first annual fee waived³ ($120 value)
5,000 Vancity Rewards™ points after your first purchase⁴ ($50 rewards value)
13,000 Vancity Rewards points when you spend over $3,000 during the first three months⁵ ($130 rewards value)
Annual Fee: $120
Up to 4 additional cards. First additional card is free, then $50/year each
Interest rate: 19.50%
$60k/$100k personal/household income required
2.5 points on groceries
5 points on public transit and ferries
10 points on select local businesses
1.25 points on all other purchases

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Vancity Enviro Visa Infinite Privilege
15,000 Vancity Rewards points after your first purchase⁷ ($150 rewards value)
30,000 Vancity Rewards points when you spend over $6,000 during the first 3 months⁸ ($300 rewards value)
Annual Fee: $245/year for members, $395/year for non-members
Up to 4 additional cards. First additional card is free, then $50/year each
Interest rate: 19.50%
$150k/$200k personal/household income required
3 points on groceries
5 points on public transit and ferries
10 points on select local businesses
1.5 points on all other purchases

Local businesses paying 10% in points:

Modo car share
freshprep meal kit delivery
JJ Bean coffee
Last edited by Kiraly on Aug 19th, 2020 5:25 pm, edited 1 time in total.
7 replies
Deal Addict
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Feb 18, 2013
1720 posts
9190 upvotes
The Visa Infinite Privilege is more interesting as a first year daily spend cash back card (3% grocery, 5% transit/ferry, 1.5% elsewhere), but the annual fee if you're not a Vancity banking member kills the value in my opinion.

$180 cash back and the point structure of the lower level card isn't worth the credit hit, in my opinion, unless you've already run through all the other CC welcome bonuses with other issuers.
[OP]
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Jan 9, 2011
8998 posts
10421 upvotes
Vancouver
Leverage wrote: The Visa Infinite Privilege is more interesting as a first year daily spend cash back card (3% grocery, 5% transit/ferry, 1.5% elsewhere), but the annual fee if you're not a Vancity banking member kills the value in my opinion.

$180 cash back and the point structure of the lower level card isn't worth the credit hit, in my opinion, unless you've already run through all the other CC welcome bonuses with other issuers.
That's why getting a membership is a no-brainer. A $5 share purchase and opening a free savings account are all you need.
People who are heavy Modo car share users should get the Infinite card as a keeper, since spending $100/month on Modo covers your whole annual fee.
Deal Fanatic
Dec 16, 2005
5259 posts
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200k individual income and 250k household is gonna be tough for most people.
[OP]
Deal Fanatic
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Jan 9, 2011
8998 posts
10421 upvotes
Vancouver
Well of course. It's an infinite privilege card. There are only a handful of these available in Canada (Desjardins, TD, CIBC, RBC, Vancity); they all have the same $150k/$200k income requirement, Vancity's annual fee of $245 is by far the lowest, and this is the only one that has a welcome bonus that offsets the whole annual fee and gives you an extra $200.
Of course an infinite privilege card is not for everyone, but for those who can get one, there's no better offer.
Last edited by Kiraly on Aug 19th, 2020 5:27 pm, edited 1 time in total.
Newbie
Nov 22, 2018
17 posts
8 upvotes
Where did you see the qualification numbers? The website says:

Vancity Enviro Visa Infinite Privilege - To qualify, you need a minimum of:

Annual personal income of $150,000, or
Annual household income of $200,000
$400,000 in investable funds
[OP]
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Jan 9, 2011
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olduser wrote: Where did you see the qualification numbers? The website says:

Vancity Enviro Visa Infinite Privilege - To qualify, you need a minimum of:

Annual personal income of $150,000, or
Annual household income of $200,000
$400,000 in investable funds
Thanks, my mistake. Fixed post
Deal Fanatic
Jan 30, 2012
7681 posts
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multi city dweller
These cards don't have medical travel coverage?

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