Shared Interest™ Visa* Business

Make Change with Every Charge

card

Choose a credit card that rewards you and the causes you care about.

Our Shared Interest Visa Business card offers unique features and rewards that enable your organization to efficiently deliver on its mission – all while helping the community and the environment.

Credit Card Details

Flexible Rewards:

  • 1 point per $1.50 spent on eligible purchases
  • 2x points on office supplies, public transit, travel booked through VCIB’s Rewards website, and more
  • You can redeem your points for charity donations, cash back and gift cards

Shared Interest:

Every time you use your card, VCIB will donate 10 cents to the Shared Interest Fund2, which supports social and environmental impact in our communities.

Annual Fee:

$59

Annual fees waived for certified B Corporationsb corp

Authorized Users:

25

Add up to 25 authorized users on your account

Additional fee of $25 per authorized user

Interest Rate:

19.5%

Per annum

Service:

24/7

24/7 Card Services and Visa fraud monitoring available

VCIB Shared Interest™ Visa Business cards are available to:

NON-PROFITS & CHARITIES

FOUNDATIONS

SOCIAL ENTERPRISES

B CORPORATIONS

OTHER PURPOSE-DRIVEN BUSINESSES OR ORGANIZATIONS

With a VCIB Shared Interest™ Visa Business card, you’ll enjoy:

Flexible Rewards

  • 1 point per $1.50 spent on eligible purchases
  • 2x points on office supplies, public transit, travel booked through VCIB's Rewards website, and more
  • You can redeem your points for charity donations, cash back and gift cards

Streamlined Reporting

Quickly and efficiently track your business card expenses online with the Visa Business Solutions tool. You can add notes and receipts to transactions, customize transaction categories, run reports, and more
To enroll please click here
For more information, read the Visa Spend Clarity Getting Started Guide

Customized Payment Controls

With VCIB’s Shared Interest Visa Business, you’ll have complete control over your employee cards with customized rules, including:
  • Individual spending limits
  • Restrictions on merchant type
  • Restrictions on time and day of week usage
  • And more
To enroll please click here
For more information, read the Visa Spend Clarity Getting Started Guide

Additional Features

  • Tap to pay with your Shared Interest™ Visa card
  • 24-hour cash advances through any ATM displaying the Visa symbol
  • Lost and stolen card protection
  • Protection against unauthorized purchases and 24/7 fraud monitoring
  • Emergency card and cash replacement services
  • One simple login to pay for online purchases with Visa Checkout
  • Chip and PIN # enabled

Peace of Mind

    Eligible purchases are automatically covered by:
  • Extended warranty coverage
  • Purchase security coverage
  • Liability waiver insurance3 for employee misuse of card


Interested in learning more about VCIB's Shared Interest™ Visa Business? Visit our Frequently Asked Questions.
card

Shared Interest™ Fund:
Everyday Impact

The Shared Interest™ granting program has been supporting social, economic, and environmental change in Canadian communities for over 20 years. In that time, almost 100 non-profits across Canada have received Shared Interest Fund grants totaling approximately $1.5 million.

Every time you use your card, VCIB will donate 10 cents to the Shared Interest Fund2­, which supports social and environmental impact in our communities

VCIB also donates 4% of pre-tax profits2 to the fund.
Shared Interest Fund at Work: Advancing Freshwater & Climate Solutions

In 2020, the Shared Interest Fund contributed to the Centre for Social Innovation’s Climate Ventures Earth Tech Accelerator, a six-month program for non-profits and startups working on freshwater or climate tech solutions that will positively impact communities and ecosystems across Canada.

To manage your existing Shared Interest™ Visa card, click here. Or, Apply Now to start your application today.

Apply Now

Read more stories of impact

When you bank with VCIB, you help support important work in your community. You can learn more about the organizations we support by reading on:

Vancity Group

VCIB is a wholly owned subsidiary of Vancity Credit Union, a values-based financial co–operative. With more than 543,000 members and $28.2 billion in assets, plus assets under administration, Vancity is Canada’s largest community credit union.  

Federally Chartered

VCIB is a Schedule 1 chartered bank operating under federal guidelines and regulated by the Office of the Superintendent of Financial Institutions.

Certified Beneficial

A B Corp’s™ purpose is to create social and financial value. To belong, they must meet high standards of transparency and accountability, and create positive social and environmental benefit.

Change Maker

VCIB belongs to the Global Alliance for Banking on Values, an international network of banking leaders who make social and environmental change a part of their financial model.

Loans subject to credit approval. Some credit restrictions may apply. Other terms and conditions may apply.

1 Points earned for every $1.50 Purchase is an approximation, depending on rounding. Specifically, to calculate the points that you earn for each eligible purchase, the amount of your purchase is multiplied by 0.67. We round up if the result is equal to an amount that ends in 0.50 or greater, and round down if the result is equal to an amount that ends in 0.49 or less. Then the rounded amount is multiplied by 2, which works out to about 2 points for every $1.50 eligible purchase. You will earn more points per $1.50 on eligible purchases made with a Shared Interest Visa Business card. Eligibility is based on the merchant code as classified in the Visa credit card network. Purchases made at merchants classified as: (1) Electronics/Computers, Peripherals, and Software; Office Supplies/Stationery, Printing and Writing Paper; Electronic; and Hardware/Garden Centers are “office supplies”; (ii) Local/Suburban Commuter Passenger Transportation – Railroads; and Transportation Services Not Elsewhere Classified are “public transit and ferries”; and (iii) Taxicabs and Limousines; Bus Lines; Automobile Parking Lots and Garages; Railroads; Passenger Railways are “taxis, bus, parking and rail”. Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classified by the Visa credit card network in another manner, in which case the accelerated earn rate will not apply. Visit vcib.ca/visabusiness/benefits to enrol and learn more about your Shared Interest Visa Business benefits.

2 Calculated on the previous three years’ average annual income from operations.

3 Liability waiver insurance is underwritten by Chubb Company of Canada. All other insurance benefits are underwritten by American Bankers Life Assurance Company of Florida and/or American Bankers Insurance Company of Florida.

™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 trademarks of Vancity Community Investment Bank.

*Trademark of Visa Int., used under license.

Vancity Community Investment Bank is a member of CDIC and is a Certified B CorpTM