Rewards
Base earn rate1 point on everything else
Welcome bonusNone
Rewards typepoints
Fees & rates
Annual fee$110
Purchase interest rate20.99%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
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inCard offers - Earn more rewards just by using your Laurentian Bank credit card with hundreds of inCard offers
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eShop offers - Shop online through eShop and earn up to 15% back in points on favourite brands
up to 15% back in points
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Family sharing - Add a friend or family member to your card and share the benefits. Add additional cardholders (authorized users) ages 13 and up to your account
Free
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Virtual card instantly available. Need a replacement card? Request one online and get it instantly.
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Real-time notifications to keep track of purchases and all cardholders' spending
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Lock and unlock card features and block online transactions in foreign currency
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Instalment Plan - Pay off large purchases in smaller, manageable monthly payments at a lower interest rate
starting at 5.99%
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Assur-Payment optional program - Combines life, disability and job loss insurance with assistance services focused on health and well-being
$0.97 per $100 of monthly balance used
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
✈️ Airport lounge access
Insurance coverage
🛡️
travel medical
up to $5 million out-of-province coverage
🛡️
trip cancellation
Up to $2,000 per person in case of cancellation and $5,000 in case of interruption
🛡️
baggage delay
Up to $2,500 per family
🛡️
common carrier accident
Up to $500,000 per person
🛡️
rental car
Included — see issuer for details.
🛡️
purchase protection
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident