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Black Laurentian Bank Visa Infinite* credit card.
Get over $120 in value

PREMIUM REWARDS

Laurentian Bank Visa Infinite*

Earn up to 12,000 bonus points when you spend $1,500 in the first 3 months and set up a pre-authorized payment.

Plus, earn 2,000 bonus points for every friend or family member you refer.

Apply now

Laurentian Bank Visa Infinite*

Nothing says "Welcome" like our offer.

Use your card.

Earn 10,000 bonus points worth $100 when you spend $1,500 within the first 3 months.

Set up bill payments.

Earn 2,000 bonus points worth $20 when you set up a pre-authorized payment within the first 3 months.

Share the love.

Earn 2,000 bonus points worth $20 when you refer a friend or family member.

The basics.

$130

Annual fee1

20.99%

Interest rate on purchases2

21.99%

Interest rate on balance transfers2

22.99%

Interest rate on cash advances2

$50

Additional cardholder3

PREMIUM REWARDS

Earn rewards for
every dollar spent.

Earn faster with our most comprehensive rewards4 program and enjoy flexible redemption options starting at as little as $1. Plus, manage your rewards easily and conveniently online.

Use it to earn it.

From groceries and gas to travel, entertainment and dining, earn points on all your eligible purchases.4

2 points on Gas, Grocery, Travel and Transportation.

Whenever you're at the grocery store or at the gas pump, earn rewards on travel and transportation.4

2 points on Recurring Payments.

Never forget to pay a bill and earn valuable rewards 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.

    Apply online and get your virtual card within seconds of being approved and start spending right away. 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 insurance12

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 insurance13

  • Up to 48 consecutive days of coverage

For more details, refer to the:

PURCHASES

Purchase insurance and extended warranty14

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 protection15

  • 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,16 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 insurance17 to fully cover you.

  • Assistance services18 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.19

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

Our instalment plan.

Enjoy flexible payment options with Instalments.19 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%.20

Is this card right for me?

Income requirements.

You have a $60,000 personal or $100,000 household annual income.

Residency and age requirements.

You must be a Canadian resident and meet the age of majority in your province or territory.

Flexible rewards program.

You want the flexibility of redeeming points towards your balance or specific purchases.

Travel benefits.

You plan to travel and are looking for a credit card with comprehensive travel insurance, including medical coverage.

Extra special perks.

You’re looking for the extras that come with a premium card, like travel and hotel perks, dining series and concierge service.

Helpful tips and resources.

Your questions answered.

*Trademark of Visa Int., used under license.

TMTrademark 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.

To benefit from this offer, you must apply by October 16, 2023. Bonus Points will be applied within 2 monthly statements from the date the conditions are met. The primary cardholder is responsible for all charges to the account, including those made by any additional cardholder.

Limited time bonus for new Laurentian Bank Visa Infinite* credit card accounts ("Account") in the first 3 months of account opening ("First 3 Months"):

Bonus of 10,000 Points will be awarded to the Account when you activate and spend $1,500 in eligible Purchases within the First 3 Months after Account opening.

Bonus of 2,000 Points will be awarded to the Account when you set up a recurring payment (“Pre-Authorized Payment”) within the First 3 Months after Account opening.

Bonus of 2,000 Points will be awarded to the Account when you refer a friend or family member, they apply for and are approved for any Laurentian Bank credit card and they activate their card. This offer does not expire. Conditions apply. For more details, visit the Referral Program Terms and Conditions (PDF, 312 KB).

This offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated. This offer is not available to existing Laurentian Bank credit card accounts and may only be applied to new card applications. We reserve the right to limit the number of Accounts opened by and the number of points awarded to any one person.

1. Subject to change and credit approval by Laurentian Bank. For more information, consult the Section entitled “Information Box - Summary’’ in the Agreement Governing the Agreement governing the use of the Laurentian Bank Visa* cards (PDF, 580 KB).

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 Section entitled “Information Box - Summary’’ in the Agreement governing the use of the Laurentian Bank Visa* cards (PDF, 580 KB).

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, 208 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. Cardholders must use their eligible Canadian-issued Visa Infinite card to reserve and pay for their hotel stay through the Visa Infinite Luxury Hotel Collection website or Visa Infinite Concierge to receive Visa premium card benefits. Visa reserves the right to modify or cancel this offer at any time and without notice. The Visa Infinite Luxury Hotel Collection benefits and services are provided by the individual hotels or their operators and suppliers; neither Visa nor the Issuer is responsible for any claims or damages arising from use of the Visa Infinite Luxury Hotel Collection. For full program terms and conditions, please visit: https://www.visainfiniteluxuryhotels.ca/about/benefits or https://www.visainfinite.ca/infinite/en/terms.html.

8. Visa Infinite* Dining Series offers are available to Visa Infinite and Visa Infinite Privilege cardholders. Limit of 6 tickets per cardholder, and tickets are subject to availability. Purchased tickets must be cancelled more than 4 days before the event date for standard events, and 10 days before the event date for Prix Fixe Experiences - otherwise purchases are non-refundable. Events may be modified or cancelled, by Visa, in whole or in part at any time, for any reason, without prior notice or liability to any person. Advertised chefs and sommeliers may change without notice. Seating requests and special dietary restrictions and allergies will be considered when requested at booking, but cannot always be accommodated. Venues are not conducive to young children. Please drink responsibly. Visit visainfinite.ca for full details and terms. Cardholders will be informed at least seven business days prior to an event of any change, postponement or cancellation. In the event of a cancellation, cardholders will receive a full refund. Cardholders must follow all provincial guidelines and cooperate with restaurant policies. In the event a guest fails to comply with provincial or restaurant policies, the restaurant and/or Visa and its service providers reserve the right to, without any refund or compensation, terminate such person's right to attend the event. The offers described herein are only available to Canadian Visa Infinite and Visa Infinite Privilege cardholders. The appearance by all chefs, sommeliers, and bartenders and livestream events is subject to change without notice. Offer is based on availability and additional terms and conditions may apply. Visit visainfinite.ca for details.

9. Eligible Visa Infinite and Visa Infinite Privilege cardholders must be legal drinking age to participate in this benefit. Reservations are mandatory for the wineries that are flagged by a star [*] on visainfinite.ca. Please contact the winery directly for reservations, hours of operation, blackout dates and other details. Tours, tastings, selection of merchandise, including wine, may be subject to availability. Eligible Visa Infinite and Visa Infinite Privilege card must be presented at winery and used for any program-related purchases. Wine experiences may be modified or cancelled, by Visa or wineries, in whole or in part at any time, for any reason, without prior notice or liability to any person. Please drink responsibly. Venues are not conducive to young children.

10. You must be an eligible Canadian Visa Infinite cardholder with a valid Visa Infinite card to take advantage of the Visa Infinite Troon Golf Benefit. The Visa Infinite Troon Golf Benefit may be cancelled if your Visa Infinite card is cancelled. By reserving through Troon, the cardholder consents to be bound by all the terms and conditions, as stated herein through the Visa Infinite Troon Golf Benefit, as well as the Troon Rewards® Terms and Conditions and the Troon Privacy Policy. Troon, Visa and its Issuers, or any of its Concierge providers, are not responsible for any claims or damages arising from this offer. Troon and Visa reserve the right to modify or cancel this benefit at any time without notice. Should you require assistance enrolling for this benefit, please email the Concierge at info@troon.com.

Elevated Troon Rewards Status

Canadian-issued Visa Infinite credit Cardholders are entitled to receive complimentary Silver Status in the Troon Rewards program upon enrollment into Troon Rewards via the Visa Infinite Troon website. Existing Troon Rewards members who register via the Visa Infinite Troon website will be upgraded to the next membership level.

At the Silver, Gold and Platinum membership levels, the cardholder will be entitled to a 10%, 15% and 20% discount respectively on golf fees reserved on the Visa Infinite Troon website, merchandise purchases made at the golf properties, or on golf lessons at participating Troon Golf Academy locations when using their Visa Infinite credit card.

11. The goods and services cardholders request or otherwise choose to obtain through the Visa Infinite Concierge Service are provided by various third-party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about, and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Concierge. Neither Visa nor the Issuer is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of cardholders’ requests in all instances. There is no fee for the Concierge’s services, however cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the cardholder and purchased by the Visa Infinite Concierge on the cardholder’s behalf. All costs will be charged directly to the cardholder’s Visa Infinite card.

12. 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 to the insurance certificate (PDF, 4.6 MB).

13. 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, 4.6 MB).

14. 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 to the Insurance certificate (PDF, 4.6 MB).

15. To benefit from this coverage, all cardholders must comply with the Agreement Governing the use of the Laurentian Bank Visa* cards, including conditions regarding the obligation to protect the PIN.

16. 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 to the insurance certificate (PDF, 531 KB).

17. Some terms and conditions apply. Details in 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.

18. Offered by Homewood Health Inc.

19. 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 Agreement governing the use of the Laurentian Bank Visa* cards (PDF, 580 KB).

20. 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.

21. Terms and conditions apply. For more information, refer to the Agreement governing the use of the Laurentian Bank Visa* cards (PDF, 580 KB).

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