Visa Credit Card Benefits
Enjoy a credit card that provides you with the security and convenience you expect, while helping to improve the lives of others around the world. Every time you use your Visa* card, 10 cents are donated to the charitable organization you support – Shared Interest Fund™, Oxfam Canada or Amnesty International1.
With each purchase using your Shared Interest Gold or Shared Interest Classic* Visa card, you earn valuable rewards for you and the things you care about. Your points can be redeemed for travel, merchandise and charitable donations. Visit myvisarewardsplus.com to register once you’ve received your card.
Earning valuable rewards that are easy to redeem is among the key reasons to consider a Shared Interest Gold Visa* card or Shared Interest Classic* Visa card. With My Visa Rewards Plus1, you earn points with every purchase and you can accumulate points quickly through:
Receive 2,500 My Visa Rewards Plus points upon your approval for a Shared Interest Gold Visa.
Double points for travel
Earn double points when you book travel through My Visa Rewards Plus using your Shared Interest Gold or Shared Interest Classic* Visa card. You can book online at My Visa Rewards Plus or speak to a Travel Services Representative at 1.866.661.3377.
Earn points even faster with up to four supplementary Shared Interest Visa cards for your spouse, partner or other family members.2
Annual account renewal bonus
Plus, you’ll earn 3,500 My Visa Rewards Plus points each year you renew your Shared Interest Gold Visa.
Stop dreaming and start redeeming
Redeem your My Visa Rewards Plus for travel, merchandise or charitable donations. Your My Visa Rewards Plus for travel, merchandise or charitable donations – rewards for you and the things you care about.
Start packing – you can easily redeem your points for airline tickets, hotels, vacation packages, car rentals, cruises and rail with our full-service agency. There are no blackout periods, mandatory Saturday night stays, booking fees or need to book 14 days in advance and you can even use your My Visa Rewards Plus points to pay for the travel taxes. If you’re short on points, you can top up with your Shared Interest Visa card or simply pay in full and earn double points, plus you still collect points with other airline and hotel reward programs. To redeem your points for travel, visit My Visa Rewards Plus or let one of our expert travel agents handle all the details for you by calling us at 1.866.661.3377.
Start shopping with less than 5,000 points for merchandise, gift certificates and local attractions. View our amazing product selection and redeem online at My Visa Rewards Plus.
With just 2,000 My Visa Rewards Plus points, you can make the world a better place. Give to any registered Canadian charity of your choice through the Vancity Community Foundation, and receive a tax receipt for your points donation. What would you expect from Canada’s number one bank for social responsibility? To use your points to donate, visit My Visa Rewards Plus.
Every time you use your Shared Interest Gold or Shared Interest Classic* Visa card, we will donate 10 cents to support not-for-profit initiatives aimed at affecting positive social, economic and environmental change.
Online Statements for Visa credit cards
Enjoy the convenience and comfort of banking when, how, and where you want for free. Vancity Visa offers My Visa Account Online1 which let’s you download your statements, view your balance and current posted transaction, and tally up your My Visa Rewards Plus points.
You can even have your monthly Visa card statements delivered to you electronically and securely through Canada Post’s epost1 service. Never miss a payment again by receiving bill payment reminders and delivery notifications. Plus, it’s good for the environment.
With My Visa Account Online1, you can:
- access your account 24 hours a day, 7 days a week
- view your balance and all current posted transactions
- view up to twelve months of your previous Visa statement
- download statements into personal money management applications
- consolidate more than one Visa account under one user name and password
To register for my Visa account online service, please visit myvisaaccount.com and have your Visa card handy.
For more information, call us at 604.877.4999 or toll-free at 1.800.611.8472.
Our Visa credit cards come with the following inclusive insurance coverage3:
- Extended warranty coverage – when making purchases with your Citizens Bank Visa card the protection offered by the manufacturer’s Canadian warranty may be extended by up to one additional year.
- Purchase security coverage – most items you purchase will be protected in the event of direct physical damage or theft for 90 days from the purchase date.
- Travel accident insurance – if you have a Shared Interest Classic, Oxfam Canada or Amnesty International Visa card you have up to $200,000 in travel accident coverage for specified losses while traveling by common carrier. If you have a Shared Interest Gold Visa card, coverage is up to $500,000.
Insurance benefits for Shared Interest Gold Visa cardholders also include:
- 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 card, you may be covered if the rental car is damaged or stolen.
- Delayed & lost baggage insurance – if you purchase your common carrier fare with your Shared Interest Gold Visa card and your baggage is delayed on your way to your destination for more than 6 hours, you’ll be reimbursed for the cost of essential items for up to four days.
- Price protection service – if you charge the full cost of an eligible product to your Shared Interest Gold Visa and then find it at a lower written advertised price within 60 days of purchase you’ll be reimbursed the difference.
Optional Insurance Benefits
Optional Balance Protection Insurance
Balance Protection Insurance1,2 helps protect your finances when the unexpected happens.
- If your earnings are interrupted by disability, job loss or strike, a monthly payment representing 5% of your outstanding balance on your credit card statement will be made to your account.
- In the event of death, diagnosis of an insured critical illness or an accidental dismemberment/paraplegia, a lump sum payment will be made based on your outstanding account balance up to a maximum of $25,000.
Your monthly premium rate is only $0.83 per $100 of the outstanding balance on your credit card statement making it very affordable. For example, if your balance is $500, you will only pay $4.15.
To enroll or learn more, call us at 604.877.4999 or toll-free at 1.800.611.8472. You will receive a free 30-day trial period when you enroll into the program.
Optional Travel Insurance
You can purchase additional travel insurance with your Visa – annual multi and single trip travel medical insurance, trip cancellation/trip interruption insurance and more1,2. To purchase or learn more, call us at 604.231.3067 or toll-free at 1.866.590.8472.
Certain 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. Balance Protection Insurance is underwritten for Citizens Bank by CUMIS® Life Insurance Company. CUMIS® is a trademark of CUMIS Insurance Society, Inc. and is used under license. Optional Travel Insurance coverages are subject to exclusions and limitations that are fully described in the policy, which is issued at the time of enrollment.
Across Canada, credit cards are being enhanced with computer chips to make an already safe payment system even more secure. Chip & PIN technology1 is already tested, proven and in wide use around the world.
Click here for more information. Should you have any questions, please call us at 1.800.611.8472.
CardAssist1 is an optional service that allows you to register all your credit, debit and retail store credit cards. In the event your purse/wallet is lost or stolen, simply call one number to report the stolen/lost cards.
As a Visa credit card cardholder, you may also subscribe to CardAssist Plus, an optional service that has all the feature of CardAssist and also provides you with valuable credit monitoring in the event that you lose your debit or credit cards. When you phone CardAssist Plus to report your card loss, CardAssist Plus provides you with 6 months of credit monitoring. Your credit bureau files are monitored for potential fraudulent activities, such as new accounts and loan/credit card applications made in your name.
Credit Alert1 is an optional value-added service and is a credit fraud monitoring and detection tool which monitors your credit files and reports any changes from the credit bureaus. Receive a credit report, educational material to better understand credit scores and how to interpret them, quarterly updates, an instant notification service and access to credit specialists.
You dread the thought of it. But let’s face it, Visa* cards do get lost or stolen. Rest assured, though, that the Visa Global Customer Assistance service is there to help you.
If your Visa* card has been lost or stolen – rest assured, that the Visa Global Customer Assistance service is there to help you, 24-hours a day1.
If your card has been lost or stolen, please call us at:
|Language||Within Canada or U.S.||Outside North America|
|English||1.888.990.9691||Call collect 604.708.7810|
Our worldwide emergency card and cash replacement service will get a replacement card to you usually within 48 hours.
Visa Checkout makes paying online convenient with just one simple login. And, your payment information is protected with advanced security technologies including multiple layers of authentication to put your mind at ease. Register your Visa card for free and voilà—safe, fast and easy online shopping.
|When you register your Visa card with Visa Checkout, your personal, payment and shipping information is stored securely. So you won’t need to submit it at multiple online shopping sites.||With Visa Checkout, you don’t need to enter your Visa card details and shipping information each time you make a purchase. All you’ll need to do is just enter your personal username and password.||Visa Checkout works online on all your devices. So shopping online stays, and paying gets even easier. Just click Visa Checkout with participating retailers, confirm your information, and you’re done!|
How to Sign Up
Lower Mainland: 604.877.4999
Toll-free in North America: 1.800.611.8472
24 hours a day, 7 days a week
For more information: