*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.
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* Cashback credit card must be submitted between September 17 and December 31, 2024 inclusively, and received by Laurentian Bank of Canada (“Laurentian Bank”). All cash back as indicated below will be applied within 2 monthly statement cycles from the date the conditions are met. The Primary Cardholder is responsible for all charges to the Account, including those made by any Authorized User. 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.
Annual fee rebate for new Laurentian Bank Visa* Cashback credit card accounts ("Account") in the first 3 months of Account opening ("First 3 Months"):
First year annual fee rebate will be provided to the Account when you activate and make an Eligible Purchase within the First 3 Months after Account opening. First 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 between April 1 and April 30, 2025. If these requirements are not met, the annual fee rebate will not be applied to your account.
Second year annual fee rebate will be provided to the Account in a similar manner, by February 2026, when you spend $10,000 within the first year of Account opening.
Limited time bonus for new Laurentian Bank Visa* Cashback credit card accounts ("Account") in the first 6 months of Account opening ("First 6 Months"):
Cash back of $400 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 (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).
Cash back of $50 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 cash back 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, 346 KB).
Cash back of $50 will be awarded to the Account when you set up an Instalment Plan on an eligible purchase within the First 6 Months after Account opening. An additional $50 cash back will be awarded when you set up a second Instalment Plan on an Eligible Purchase within the First 6 Months after Account opening. For more details, refer to section 27 of the Agreement Governing the Use of the Laurentian Bank Visa* Cards (PDF, 580 KB).
Cash back of $20 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).
Cash back of $20 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).
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 retract in full or partial, or forfeit all or partial, rebate 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. 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. 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).
7. 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.
8. 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, 4.1 MB).
9. 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.
10. 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 to the Insurance certificate (PDF, 531 KB).
11. 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.
12. Offered by Homewood Health Inc.
13. 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).
14. 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).
15. Terms and conditions apply. For more information, refer to the Agreement Governing the Use of the Laurentian Bank Visa* Cards (PDF, 580 KB).
16. 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).