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Rewards programs

Vancity Rewards

What one Vancity Rewards point is worth and the cards that earn the most.

  • Official values or an announced specialist estimate
  • Ranked by net value, annual fees deducted
  • Data as of November 3, 2026

Official site

Cards that earn these points

Annual spending levels

Each level is a basket of annual spending split across everyday categories. The returns and the ranking are recomputed for that basket.

  • Moderate — $24,000 / year
  • Standard — $36,000 / year
  • High — $60,000 / year

In a personalized analysis, your actual spending replaces this reference basket.

Ranked by annual net value on the standard reference basket ($36,000 of spending a year), annual fees fully deducted.

Rank Card Network Annual fee Annual net value Earning Limitations
1 Vancity enviro Visa Infinite Visa $120 $540
  • Transportation: 5 points / $ (5¢ per dollar)
  • Groceries: 2.5 points / $ (2.5¢ per dollar)
  • Travel: 2.5 points / $ (2.5¢ per dollar)
  • Everyday purchases: 1.25 points / $ (1.25¢ per dollar)
 Foreign exchange fee assumed Point value: cautious specialist estimate
2 Vancity enviro Visa Infinite Privilege Visa $245 $523
  • Transportation: 5 points / $ (5¢ per dollar)
  • Groceries: 3 points / $ (3¢ per dollar)
  • Travel: 3 points / $ (3¢ per dollar)
  • Everyday purchases: 1.5 points / $ (1.5¢ per dollar)
 Foreign exchange fee assumed Point value: cautious specialist estimate
3 Vancity enviro Visa Infinite Low Interest Visa $145 $515
  • Transportation: 5 points / $ (5¢ per dollar)
  • Groceries: 2.5 points / $ (2.5¢ per dollar)
  • Travel: 2.5 points / $ (2.5¢ per dollar)
  • Everyday purchases: 1.25 points / $ (1.25¢ per dollar)
 Foreign exchange fee assumed Point value: cautious specialist estimate
4 Vancity enviro Visa Gold Visa $99 $273
  • Travel: 2 points / $ (2¢ per dollar)
  • Everyday purchases: 1 point / $ (1¢ per dollar)
 Foreign exchange fee assumed Point value: cautious specialist estimate
5 Vancity enviro Visa Classic Visa $0 $186
  • Travel: 1 point / $ (1¢ per dollar)
  • Everyday purchases: 0.5 points / $ (0.5¢ per dollar)
 Foreign exchange fee assumed Point value: cautious specialist estimate

Return computed with the value used for the ranking: 1.0¢ per point.

Value of one point

More details
Operated by
Vancity Credit Union
Where the value comes from
Cautious Canadian specialist estimate
Source
Milesopedia · Published on October 31, 2026
Verification
Verified on October 31, 2026 Source up to date

“Points can be redeemed for travel, cash back, gift cards or charitable donations, at $1 per 100 points.”

The source discloses affiliate relationships.

Restrictions

  • vancity.com refused FutelloBot (HTTP 429) on 31 Oct. 2026: the official rate could not be read; the specialist's page is undated (read on 31 Oct. 2026).
  • Cash back requires a Vancity deposit account.

Programs do not issue the same number of points per dollar: to compare two programs, look at the return per dollar spent, not the value of a point.

Excerpts are quoted in the language of their source.

Where can I go with my Vancity Rewards points?

Browse the routes of the travel catalogue evaluated with Vancity Rewards, without ever passing a balance in the address.

Explore destinations with Vancity Rewards

How to use your points

No published redemption option is listed for this program.

Transfer partners

This program publishes no transfer partner.

Expiry and minimum redemption

Point expiry
No published rule is listed.
Minimum redemption
No published rule is listed.

Welcome offers in Vancity Rewards points

No welcome offer is published for the cards of this program.

View all offers

How to read this ranking

The ranking compares the cards of one program on a single scenario, so the gaps come from the cards and not from the assumptions.

  • Reference basket, standard level: $36,000 of spending a year, spread over everyday categories.
  • High-spend profile: ranking calculated on the reference basket.
  • Annual fees fully deducted from the value.
  • Welcome offers excluded: only the recurring value counts.

Your spending is different? See the best cards by use or the strategies by profile.

Limitations of this page

  • Cards are ranked on the standard reference basket of a high-spend profile; your actual spending may change the order.
  • The program publishes no fixed rate: the value of a point is the most cautious estimate of a Canadian specialist, announced as such.
  • Recurring annual fees are fully deducted from each card’s value.
  • Transfer partners and rates are those read on the official pages; a program may change them without notice.
  • The value of welcome offers is not part of the card ranking.