Interest rate on purchases2
Interest rate on balance transfers2
Interest rate on cash advances2
Earn cash back on all eligible purchases.
Earn cash back4 on everyday purchases and enjoy special offers to get you earning faster.
Use it to earn it.
With the best in cash back, you can spend with confidence.
Plus, once you’ve earned, you can even apply your cash back towards your Purchases or your Account Balance.
2% cash back on Gas and Grocery.
Cover your basics with cash back on gas and groceries.4
2% cash back on Recurring Payments.
Never forget to pay a bill and earn valuable rewards by setting up recurring bill payments.5
1% cash back on Everything Else.
Use your card and earn cash back on other eligible purchases.4
Earn cash back faster.
Redeem as little as $1 in points towards your account balance or eligible net purchases.6
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.
Benefit from coverage on merchandise paid and extended manufacturer's warranty.
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,7 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 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.
Purchase insurance and extended warranty8
Coverage against theft or accidental damage for 90 days on merchandise paid for with the card.
Extended manufacturer’s warranty up to one year.
Visa Zero Liability* fraud protection9
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:
Assur-PaymentTM is an optional program offered to a Laurentian Bank Visa* card primary cardholder.
It combines insurance,10 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 insurance11 to fully cover you.
Assistance services12 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:
Pay on your
Pay on your own terms.13
Pay off your large purchases in smaller, manageable monthly payments at a lower interest rate.
Our instalment plan.
Enjoy flexible payment options with Instalments.13 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.
You can choose between 3-, 6-, 12-, or 24-month plan options starting at rates as low as 5.99%.14
Is this card right for me?
Residency and age requirements.
You must be a Canadian resident and meet the age of majority in your province or territory.
You want a cashback rewards program that’ll give you the flexibility of redeeming cash back towards your balance or a specific purchase.
Additional cardholders at no fee.
You’re looking to add additional cardholders at no cost.
Purchase insurance coverage.
You want to benefit from coverage on purchases and extended manufacturer's warranty.