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Yellow Laurentian Bank Visa* EXPLORE credit card.

TRAVEL REWARDS

Laurentian Bank Visa* EXPLORE

This credit card is no longer available to new customers. Check out our other cards.

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The basics.

$110

Annual fee1

20.99%

Interest rate on purchases2

21.99%

Interest rate on balance transfers2

22.99%

Interest rate on cash advances2

Free

Additional cardholder3

TRAVEL REWARDS

The only card you
need to pack.

If you’re an existing Visa* EXPLORE cardholder, you can continue to benefit from all of its advantages.

Use it to earn it.

From traveling to paying bills and everything in between, earn points on all your eligible purchases.4

There’s no limit to the number of points you can collect and they don’t expire.

2 points on Travel and Transportation.

Whether you're renting a car to run errands or checking in an extra bag of luggage, earn rewards on travel and transportation.4

2 points on Recurring Payments.

Turn bill payments into points. Earn points by setting up recurring bill payments.5

1 point on everything else.

Earn 1 reward point for every $1 spent on all other eligible purchases.4

FEATURED BENEFITS

Maximize your earning power.

  • Redeem as little as $1 in points towards your account balance or eligible net purchases.4

  • Earn more rewards just by using your Laurentian Bank credit card with hundreds of inCard offers.

  • Shop online through our eShop and earn up to 30% back in points on your favourite brands such as Nike, Lululemon, Indigo and more.

  • Earn even more with offers that award you with first-time bonus points or by hitting spend milestones.

First-class digital features.

  • Get a virtual card instantly.

    Need a replacement card? Request one online and get it instantly.

  • Stay on top of your account.

    Keep track of purchases with real-time notifications,6 easily change your contact information, request a credit limit increase, change your PIN and more.

  • Access your rewards.

    View your rewards balance and easily redeem it against a specific purchase or towards your account balance. Plus, shop inCard and eShop special offers.

  • Manage your spending.

    Create a budget and manage your spending by category with simple tools, and get notified when you’re approaching your limit.

  • Take control of your card.

    Get instant security with lock and unlock card features and easily block online transactions in foreign currency.

  • Add cardholders.

    Add authorized users, view their transactions, lock their card or block specific transactions, and set monthly spending limits for each cardholder.

More to love.

Extra benefits and features.

Relax, with comprehensive insurance coverage.

TRAVEL

Travel insurance8

Hospital, medical and paramedical care

Up to a $5 million out-of-province coverage, for you and your family:

  • Maximum of 15 days for clients aged 66 to 75

  • Maximum of 31 days for clients aged 65 and under

Trip cancellation

  • Up to $2,000 per person in case of cancellation and $5,000 in case of interruption

Delayed baggage

  • Up to $2,500 per family

Public transportation vehicle accident
  • Up to $500,000 per person

For more details, refer to the:

AUTO RENTAL

Auto rental insurance

Auto rental collision/loss damage insurance9

  • Up to 48 consecutive days of coverage

For more details, refer to the:

PURCHASES

Purchase insurance and extended warranty10

Purchase insurance

  • Coverage against theft or accidental damage for 90 days on merchandise paid for with the card.

Extended warranty

  • Extended manufacturer’s warranty up to one year.

Visa Zero Liability* fraud protection11

  • You’re covered against unauthorized use of your card. You can shop safely knowing you won’t be charged for fraudulent purchases.

For more details, refer to the:

COVERAGE

Assur-PaymentTM

  • Assur-PaymentTM is an optional program offered to a Laurentian Bank Visa* card primary cardholder.

  • It combines insurance,12 advice and health and wellness assistance services to support you in the event of the unexpected.

  • Assur-PaymentTM provides the support to help you in your daily life and when you need it most.

  • Combines life, disability and job loss insurance13 to fully cover you.

  • Assistance services14 focused on health and well-being.

  • Provides personal budgeting advice, legal advice, and psychological, grief and emotional loss support.

Learn more about Assur-PaymentTM

For more details, refer to the:

Four skiers stand at the top of a sunny, snowy peak, carrying their ski and snowboard equipment. Majestic mountain ranges can be seen in the background.

Pay on your own terms.15

Pay off your large purchases in smaller, manageable monthly payments at a lower interest rate.

Our instalment plan.

Enjoy flexible payment options with Instalments.15 Set up smaller monthly payments for eligible purchases CAD 100 and over, starting at just 5.99% interest.

Buy now, pay later.

Make big or unexpected purchases without hurting your budget. You’ll know exactly how much your monthly payments will be.

No extra credit checks needed.

Instalment payments are part of your existing Credit Limit, so no additional credit checks are required.

Flexible payments.

You can choose between 3-, 6-, 12-, or 24-month plan options starting at rates as low as 5.99%.16

Helpful tips and resources.

Your questions answered.

*Trademark of Visa Int., used under license.

TM Trademark of Laurentian Bank of Canada.

Laurentian Bank: Laurentian Bank of Canada.

Apple Pay is a trademark of Apple Inc.

Google Pay is a trademark of Google LLC.

1. Subject to change and credit approval by Laurentian Bank. For more information, consult the disclosure statement provided to you when you opened your Visa account, as updated from time to time.

2. Subject to change and credit approval by Laurentian Bank. For more information about the Laurentian Bank Visa* card, including information about the credit rate, the grace period, charges other than interest or the date on which interest applies, consult the disclosure statement provided to you when you opened your Visa account, as updated from time to time.

3. Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. Maximum of 4 Additional Cardholders on the Account.

4. The standard redemption rate allows 100 points to be redeemed for $1 of net purchases. For full details, refer to the Rewards Program Agreement (PDF, 338 KB).

5. Not all merchants offer pre-authorized debits. Please contact your service provider to set up pre-authorized debits. To see if a purchase qualifies as rewards-eligible, refer to the Rewards Program Agreement (PDF, 338 KB).

6. Laurentian Bank attempts to deliver messages from the publisher in the order they are published. However, network issues could potentially result in out-of-order messages. It is recommended to check the timestamp attributed to the transaction to check for out-of-order messages.

7. Terms and conditions apply. Refer to the Laurentian Bank Referral Program Terms and Conditions (PDF, 312 KB).

8. Issued by Canassurance Insurance Company for the Public Transportation Vehicle Accident Insurance benefit, and by Industrial Alliance, Insurance and Financial Services Inc. and Canassurance Insurance Company for the other benefits. Only persons aged 75 years and under are eligible to this hospital, medical and paramedical care and services insurance coverage. Maximum 31 days for cardholders 65 years of age or under and 15 days for cardholders over 65 years of age for the hospital, medical and paramedical care and services insurance coverage. Some conditions apply. For more details, refer to the summary of the insurance product (PDF, 2 MB) and the Insurance certificate (PDF, 1.4 MB).

9. Underwritten by Chubb Insurance Company of Canada. Some conditions apply. For more details, refer to the summary of the insurance product (PDF, 2 MB) and the Insurance certificate (PDF, 1.4 MB).

10. Issued by the Industrial Alliance Pacific General Insurance Corporation and Canassurance Insurance Company. 90-day purchase insurance warranty against theft or accidental damage for items purchased using your card, and extension of the manufacturer’s warranty up to a maximum of one year. Subject to the conditions applicable to each item. Some conditions apply. For more details, refer to the summary of the insurance product (PDF, 2 MB) and the Insurance certificate (PDF, 1.4 MB).

11. To benefit from this coverage, all cardholders must comply with the Update to the Agreement governing the use of the Laurentian Bank Visa* cards (PDF, 228 KB), including conditions regarding the obligation to protect the PIN.

12. Some terms and conditions apply. Assur-PaymentTM protection for Laurentian Bank Visa cards is issued by the Industrial Alliance Insurance and Financial Services Inc. To be eligible, you must be aged 18 to 64 inclusively at the date of application, live in Canada and be the primary cardholder of a Visa account open and in good standing. A monthly fee of $0.97 per $100 of the monthly balance used applies. Subject to change. For more details, refer to the summary of the insurance product (PDF, 2 MB) and the insurance certificate (PDF, 531 KB).

13. Some terms and conditions apply. Details in the summary of the summary of the insurance product (PDF, 2 MB) and the insurance certificate (PDF, 531 KB). A waiting period is applicable before benefit payments start:

a) in the event of disability, 30 consecutive days for an insured who worked at least 20 hours of paid work in each of the four weeks preceding the beginning of the disability, and 90 consecutive days for successive periods of disability;

b) in the event of loss of employment, 30 consecutive days following job loss.

14. Offered by Homewood Health Inc.

15. The Instalment Plan allows the Eligible Cardholders to pay under certain conditions, Eligible Purchases in equal and consecutive monthly payments (including interest) over a fixed Payment Period. You determine the duration of Your Payment Period (in months) and the annual interest rate that will apply is the annual rate of interest corresponding to the selected Payment Period. Eligibility criteria apply: You are an Eligible Cardholder, Your Account must be in Good Standing, Purchases must qualify as an Eligible Purchase. For full details on the terms and conditions that apply, please refer to the Update to the Agreement governing the use of the Laurentian Bank Visa* cards (PDF, 228 KB).

16. Interest rate depends on the payment period chosen when you enrol an eligible purchase for an instalment plan and is subject to change. Terms and conditions apply.

Here is an example (for illustration purposes): if you enrol an eligible purchase of $900 CAD for an instalment plan for a payment period of 3 months, your interest rate will be 5.99%. Therefore, after instalment setup, you will repay $304.50 monthly, which includes approx. $13.48 of interest. For more details, speak to an advisor or visit www.laurentianbank.ca/instalmentplan.

17. Terms and conditions apply. For more information, refer to the Update to the Agreement governing the use of the Laurentian Bank Visa* cards (PDF, 228 KB).

18. You must obtain consent of the friend or family member as applicable, to provide Laurentian Bank and its service provider with their contact information for the purpose of sending the referral code.