Visa credit cards

Imagine a credit card aligned with values. One that puts members first. With Shared Interest™ Visa* card it exists. Wouldn’t everyone want a card like this?

The Shared Interest Visa* credit card gives you all the convenience and security of Visa*, a flexible rewards program, and every time you use your card, you help your community and the environment.

There’s a Shared Interest Visa* card for everyone. Choose the one that’s right for you.

Shared Interest

Shared Interest Classic* Visa Credit Card

Our Shared Interest™ Classic* Visa credit card gives you convenience, reliability and rewards. Earn one My Visa Rewards Plus1 point for every $2 you spend on the card. Your points are redeemable for free travel, charitable donations and gift cards. Plus, every time you use your card, we will donate 10 cents to support not-for-profit initiatives worldwide through the Shared Interest Fund.

Option Annual Fee My Visa Rewards Plus Rate Grace
My Visa Rewards Plus $0 Yes 19.5% 21 days
My Visa Rewards Plus and Low Rate $50 Yes 11.25% 21 days
Low Rate $25 N/A 11.25% 21 days

Shared Interest Classic* Visa credit card offers you:

  • One My Visa Rewards Plus point for every $2 you spend on the credit card – redeemable for travel (with no blackouts or mandatory Saturday night stays), charitable donations and gift cards.
  • Double points every time you purchase travel on your Shared Interest Classic* Visa through myvisarewardsplus.com or the My Visa Rewards Plus Travel Headquarters.
  • Extended Warranty and Purchase Security Insurance on most personal items purchased with the card3.

Visa Credit Card Benefits:

  • Worldwide acceptance anywhere you see the Visa symbol
  • 24-hour cash advances through any ATM machine displaying the Visa symbol
  • Emergency card and cash replacement services2
  • Zero cardholder liability2
  • You, your spouse, and dependent children may receive up to $200,000 for accidental bodily injury on a covered trip when you use your card to purchase at least 75% of the common carrier fare3.
  • Visa Chip and PIN technology2

Shared Interest Gold Visa Credit Card

Our Shared Interest Gold Visa Credit Card provides you with more purchasing power. You earn one My Visa Rewards Plus1 point for every dollar you spend on the card. Your points can be redeemed for free travel, charitable donations and gift cards. If you’d prefer a lower interest rate, we offer that too. Plus, every time you use your card, we will donate 10 cents to support not-for-profit initiatives worldwide through the Shared Interest Fund.

Option Annual Fee My Visa Rewards Plus Rate Grace
My Visa Rewards Plus $99 Yes 19.5% 21 days
My Visa Rewards Plus and Low Rate $145 Yes 11.25% 21 days
Low Rate $45 N/A 11.25% 21 days

Shared Interest Gold Visa Credit Card offers you:

  • One My Visa Rewards Plus point for every $1 you spend on the credit card – redeemable for travel (with no blackouts or mandatory Saturday night stays) charitable donations and gift cards.
  • Double points every time you purchase travel on your Shared Interest Gold Visa through myvisarewardsplus.com or the My Visa Rewards Plus Travel Headquarters.
  • 2,500 My Visa Rewards Plus points when you make your first purchase with your Shared Interest Gold Visa and 3,500 My Visa Rewards Plus points every future year as our way of saying thank you.
  • Up to four free additional credit cards.2
  • Extended Warranty and Purchase Security Insurance on almost everything you purchase.3
  • Price Protection helps to ensure that you never pay too much for almost all purchases made in Canada.3
  • Delayed and Lost Baggage Insurance.3

Visa Credit Card Benefits:

  • Worldwide acceptance anywhere you see the Visa symbol
  • 24-hour cash advances through any ATM machine displaying the Visa symbol
  • Emergency card and cash replacement services2
  • Zero cardholder liability2
  • Auto Rental Collision/Loss Damage Insurance3
  • Up to $500,000 of Travel Accident Insurance3
  • Visa Chip and PIN technology

Oxfam Canada and Amnesty International

Oxfam Canada and Amnesty International Visa Credit Card

Important notice regarding the Citizens Bank of Canada Visa credit card accounts: Amnesty™ International and Oxfam™ Canada

In September 2018, we mailed a letter notifying cardholders that the features of these accounts would change.  Effective Friday, November 2, 2018:

  • The name of your Visa account will be the Shared Interest Classic* Visa Card. The features of the account are listed here.
  • You will see the updated name on your statement, online and re-issued credit cards.
  • Note: Your Visa card account number will not change.
  • Please continue to use your Amnesty International or Oxfam Canada Visa credit card until you receive and activate your new Shared Interest Classic Visa card.  If your current card expires before early 2019, you will receive a new Citizens Bank Shared Interest Classic Visa credit card. In early 2019, we’ll send you a new Vancity Community Investment Bank Shared Interest Classic Visa credit card with a ‘tap-to-pay’ feature.

Credit Card Agreements

Credit Card Agreement, Insurance Agreement, and Vancity Community Investment Bank Rewards™ Terms and Conditions

Notice

Effective Friday, January 11, 2019, your Vancity Community Investment Bank Credit Card Agreement, Insurance Agreement, and the Vancity Community Investment Bank Rewards Terms and Conditions, will be updated as part of our credit card services upgrade.

Please click on the link below to see a summary of changes and review the Agreements and Terms and Conditions that apply to your Visa* card account and services.


Cardholder Agreement

Effective Friday, January 11, 2019, a new Vancity Community Investment Bank Credit Card Agreement will be in effect. In many cases we have simply re-organized the wording of your Agreement without changing the underlying terms. Please click the links below to see a copy of the current and future credit card Agreements.

Insurance Agreement

Your Vancity Community Investment Bank Visa card entitles you to a wide range of insurance benefits, which may include extended warranties, travel accident, auto rental collision, price protection, and more.

To continue providing you with the same excellence in insurance coverage the Agreement has been updated and is effective Friday, January 11, 2019. Please click the links below to see a copy of the current and future Insurance Agreement.

Rewards Terms and Conditions

Effective Thursday, January 10, 2019, the My Visa Rewards Plus program Terms and Conditions will be updated to reflect changes to our rewards program. Please review the program terms and condition that apply to your applicable Vancity Community Investment Bank Shared Interest™ Visa card.

Questions?

If you have any questions about our credit card agreements, please contact us at 
1-800-611-8472 or 604-877-4999

1My Visa Rewards Plus is only applicable to Citizens Bank Shared Interest Classic and Gold that earns My Visa Rewards Plus points.2Not applicable to Citizens Bank Reloadable and Prepaid Visa products.3Certain definitions, benefits, limitations, and exclusions apply to all Citizens Bank Visa card insurance coverage. You will receive a copy of the Certificate of Insurance that describes the insurance coverage in more detail. The insurance coverage is subject to change or cancellation without notice. Extended Warranty, Purchase Security Insurance, Auto Rental Collision/Loss Damage Insurance and Delayed & Lost Baggage Insurance are underwritten by American Bankers Insurance Company of Florida and Travel Accident Insurance is insurance coverage underwritten by American Bankers Life Assurance Company of Florida. The Price Protection Service is a service provided by American Bankers Insurance Company of Florida.*Trademark of Visa Int., used under license.™Vancity Community Investment Bank and Vancity Community Investment Bank Rewards are trademarks of Vancouver City Savings Credit Union, used under license. ™Shared Interest is a trademark of Vancity Community Investment Bank.