*Trademark of Visa Int., used under license.
TM Trademark of Laurentian Bank of Canada.
Laurentian Bank: Laurentian Bank of Canada.
Google Pay is a trademark of Google LLC.
All capitalized terms are defined in the Agreement Governing the Use of the Laurentian Bank Visa* Cards (PDF, 580 KB).
† To benefit from this offer, your application for a Laurentian Bank Visa* Reduced Rate credit card must be submitted between September 17 and December 31, 2024 inclusively, and received by Laurentian Bank of Canada (“Laurentian Bank”). 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. This offer is limited to new Primary Cardholders. Individuals who are currently or were previously Primary Cardholders of a Laurentian Bank personal credit card since February 1, 2023 are not eligible for the offer.
Second year annual fee rebate will be provided to the Account by February 2026, when you spend $8,000 within the first year of Account opening.
Your Account will be eligible for a second-year annual fee rebate if you spend $8,000 in the first year after opening the Account. The second-year annual fee rebate will appear as a fee and a credit on the Primary Cardholder’s statement and will be applied to the Account by February 2026, when you spend $8,000 within the first year of Account opening. If these requirements are not met, the second year's annual fee rebate will not be applied to your Account.
Limited time bonus for new Laurentian Bank Visa* Reduced Rate credit card accounts ("Account") in the first 3 months of account opening ("First 3 Months"):
Bonus of 2,000 Points will be awarded to the Account when you activate and make an eligible Purchase within the First 3 Months after Account opening.
Limited time bonus for new Laurentian Bank Visa* Reduced Rate credit card accounts ("Account") in the first 6 months of account opening ("First 6 Months"):
Bonus of 10,000 points will be awarded to the Account when you spend a total of $4,000 in net (purchases less returns) Eligible Purchases (Cash Advances, Balance Transfers, Quasi-cash Transactions, payments, interests and fees, insurance premiums, returns, refunds or other similar credits do not constitute as Eligible Purchases) within the First 6 Months after Account opening, provided that the Account is open and in Good Standing (the Primary Cardholder and all Authorized Users, if applicable, being in compliance with the Agreement Governing the Use of the Laurentian Bank Visa* Cards (PDF, 580 KB) (the “Agreement”) (which includes, without limitation, the fact that all amounts owing under the Agreement (including the payment of any annual Card fee (if any) and the payment of any amount owing under the Instalment Plan(s) are not past due).
Bonus of 2,000 points will be awarded to the Account when you set up a recurring payment (“Pre-Authorized Payment”) within the First 6 Months after Account opening. Accounts that do not meet these criteria will be subject to not receiving the bonus points or having the bonus retracted. Some merchants may offer Pre-Authorized Payment options for products and services but do not process these transactions as Recurring Payments as defined under the rules of Visa*, and in such cases, no bonus points will be awarded. For more details, refer to section 4 of the Rewards Program Agreement (PDF, 208 KB).
Bonus of 2,000 points will be awarded to the Account when you opt into Assur-PaymentTM protection within the First 6 Months after Account opening. For more details, refer to the Summary of the insurance product (PDF, 2 MB).
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).
OPTIONAL SERVICES. To be eligible for Assur-PaymentTM protection, You must be the Primary Cardholder and be 18 to 64 years of age when You apply. A fee of $0.97 per $100 of the Card balance, as it appears on Your monthly statement is applicable. This fee or premium will be added to Your Card balance.
Other optional services are subject to their own specific conditions. Laurentian Bank does not assume any responsibility for services provided by a third party.
CANCELLATION OF OPTIONAL SERVICES (INCLUDING INSURANCE). You may cancel any optional service within thirty (30) days following receipt of the applicable agreement by contacting Laurentian Bank or the service provider. Laurentian Bank or the service provider will cancel the service and reimburse You an amount equal to the amount calculated based on the formula indicated in Section 8 of the Agreement Governing the Use of the Laurentian Bank Visa* Cards (PDF, 580 KB).
You are eligible for Balance transfers with a promotional annual interest rate of 0.99% for 6 months plus a 2% balance transfer fee on any balances transferred within the first year of Account opening. This promotional rate is applicable for the first 6 months from the day the Balance Transfer is posted to Your Visa* Account. This promotional rate does not apply to other Cash Advances. A minimum amount of $400 must be transferred to the Account in order to take advantage of this promotional rate. Your account must be in Good Standing at the time the balance transfer is processed and the balance transfer must not exceed your approved credit limit. After the promotional period, any remaining balance transfer amounts will be charged interest at the regular annual interest rate of 12.49%, until the amount is repaid in full. You will lose this promotional rate and Your interest rate on Balance Transfers will be charged the regular annual interest rate if You do not make Your minimum payment no later than on the due date indicated on Your monthly statement; or if You do not abide by the terms and conditions outlined in the Agreement. Purchases made on the Account will be charged the regular annual interest rate.
This offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated. Laurentian Bank reserves the right to limit the number of Accounts opened by and the number of points awarded to any one person. Laurentian Bank reserves the right to limit the number of Accounts opened by, and the number of points awarded to, any one person. Laurentian Bank reserves the right to retract in full or partial, or forfeit all or partial, bonus points issued to the Account and close the Account at its discretion without notice to the Account holder.
If the Primary Cardholder or any Authorized User fails to meet any of their obligations under the Agreement Governing the Use of the Laurentian Bank Visa* Cards (PDF, 580 KB), they will forfeit bonus points or cash back awarded, accumulated, entitled to or otherwise accrued on the Account.
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 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, 346 KB).
5. 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.
6. 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.
7. 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, 1.4 MB) and the Insurance certificate (PDF, 531 KB).
8. Some terms and conditions apply. Details in the Summary of the insurance product (PDF, 1.4 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.
9. Offered by Homewood Health Inc.
10. 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).
11. 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 View Instalments guide (PDF, 80 KB).
12. Terms and conditions apply. For more information, refer to the Agreement Governing the Use of the Laurentian Bank Visa* Cards (PDF, 580 KB).
13. 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).