Which has the lower annual fee, enviro Visa Gold LI or Visa EXPLORE?

The Visa EXPLORE has a $95 annual fee, while the enviro Visa Gold LI charges $145/year.

Which card is better for groceries, enviro Visa Gold LI or Visa EXPLORE?

The enviro Visa Gold LI earns 0.5x on groceries, while the Visa EXPLORE earns 0.5x. The better choice depends on your grocery spending and the specific merchants you shop at.

enviro Visa Gold LI vs Visa EXPLORE — Which Is Better? | Churnr

Header Quick Take Value Earn Rates Merchants Wallet Bonus FX Benefits Eligibility Perks Downgrade Verdict

Visa EXPLORE edges ahead by $50/yr

enviro Visa Gold LI: $30/yr in foreign transaction fees

Visa EXPLORE: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

−$2

/first year

-0.0% effective$0/mo

vs 1% no-fee card: −$420

Annual rewards earned+$173

FX costs−$30

Annual fee−$145

Winner

$48

/first year

0.1% effective$4/mo

vs 1% no-fee card: −$370

Annual rewards earned+$173

FX costs−$30

Annual fee−$95

Best for your spendingVisa EXPLORE—$48Year 1 value

+$50 more than enviro Visa Gold LI

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Neither card currently offers a welcome bonus.

Downgrade

Coming soon

The Bottom Line

Visa EXPLORE edges ahead by $50/yr

Showing Year 1 analysis

Visa EXPLORE wins in both Year 1 and Year 2+ — consistent long-term value.

Data Sources

Issuer terms & conditions (verified Feb 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

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