亮点
- 低年费
- 旅行保险可以
- 日常消费返现 也不错
发卡银行： Vancity
结算通道： visa
卡片种类：信用卡、商业卡
年费： $120
副卡: 首张 $0, 之后每张 $50，最多 10 张
如果同时拥有 Vancity Total Chequing Account, 则免信用卡年费
Vancity 是一家 Credit Union。 消费返利形式是 Vancity Rewards。 等同于现金，可兑换 statement credit，可转到储蓄、投资账户，按照 1 point = 1 cent 的比例。
开卡奖励
免首年年费
申请门槛：个人年收入 6 万 或者 家庭年收入 10 万 或者 投资 25 万
日常消费
10%：local business，包括 modo, JJBean, freshprep, shift delivery. 细节见官网网页
5%：公共交通、轮渡、公交、出租车、火车、停车费
2%: 通过 Vancity Rewards 预定旅行相关
2.5%：办公用品、电子产品、硬件等
1.25%: 其他
福利 & 保险
旅行相关
- Common carrier travel accident insurance
You, your spouse and your dependent children have up to $500,000 in travel accident coverage for specified losses while traveling by common carrier when you purchase at least 75% of the common carrier fare with your enviro Visa card.
- Flight delay insurance
If you charge at least 75% of the fare for your flight to your enviro Visa Infinite card and your flight is delayed for more than 4 hours, you’ll be reimbursed for the cost of essential items up to $500 per trip.
- Trip cancellation and interruption insurance
If you are required to cancel your trip before departure for a covered cause, you are covered up to $1,000 per insured person and $5,000 per trip for reimbursement of non-refundable deposits and cancellation fees if you purchase at least 75% of your eligible trip expenses with your enviro Visa card. If you need to return home earlier than planned due to a covered cause, you are also covered up to $1,000 per insured person and $5,000 per trip for a change in ticketing and non-refundable eligible expenses.
- Delayed and lost baggage insurance
If you purchase your common carrier fare with your enviro Visa card and your baggage is delayed for more than 4 hours, you’ll be reimbursed for the cost of essential items for up to $500 per trip. If your baggage is lost or stolen, you’ll be reimbursed for the cost of essential items up to $1000 per insured person.
- Auto rental collision/loss damage insurance
When you rent a car for up to 48 consecutive days, decline the rental agency’s collision damage waiver and charge the full cost of the rental to your enviro Gold Visa card, you may be covered if the rental car is damaged or stolen.
- Emergency travel assistance services
When experiencing a travel-related setback, you can get access to medical referral, lost luggage, legal referral and payment assistance, lost document and ticket replacement, emergency cash transfer, and pre-trip information when you call emergency travel assistance services. Additional costs may apply and will be charged to your enviro Visa card.
购物相关
- Purchase security insurance
Most items you buy with your enviro Visa card will be protected in the event of direct physical damage or theft for 90 days from the purchase date.
- Extended warranty insurance
Doubles the manufacturer’s Canadian warranty to a maximum of one additional year on most items purchased with your enviro Visa card.
- Mobile device insurance
If your mobile phone or tablet is lost, stolen, accidently damaged or experiences mechanical failure, you may get up to $1,000 of coverage if you used your enviro Visa card to purchase the device or charge all monthly wireless bill payments.
- Liability waiver insurance
Provides protection for your business against eligible unauthorized charges through card misuse by employees.
