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Mr. Loonie
Laurentian Bank Visa Infinite

Laurentian Bank Visa Infinite

7.1
Good
Expert Score · 1 review How we score

Best for: Travellers who want points on gas, groceries and travel plus travel insurance

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
Yours:
Your own amounts, saved on this device only
Points you’d earn
47,400
points in the first year. We haven’t set a dollar value for them yet.
See how we worked it out
Annual fee
$130 a year
Apply now on Laurentian Bank’s site (opens in a new tab)
Needs $60,000 personal or $100,000 household income
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from Laurentian Bank’s site. Banks can update terms at any time, so give them a quick look before you apply. Source

Is it for me? What you’d earn Can I get it? Fees Similar cards
2 quick questions

Is it for me?

Is your personal income $60,000 or more, or your household’s $100,000 or more?

Do you pay your card off in full most months?

Answer the 2 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: 2 points per $1 on groceries, gas, travel and transit

Watch for

  • Watch for: $130 a year
  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With typical spending of $2,500 a month.

We haven’t set a value for points yet, so the bars show points.

  • Groceries 19,200
    2 points per $1 $800 a month · 19,200 points a year
  • Restaurants 3,000
    1 point per $1 $250 a month · 3,000 points a year
  • Gas 6,000
    2 points per $1 $250 a month · 6,000 points a year
  • Recurring bills 6,000
    2 points per $1 $250 a month · 6,000 points a year
  • Travel 3,600
    2 points per $1 $150 a month · 3,600 points a year
  • Everything else 7,800
    1 point per $1 $650 a month · 7,800 points a year
  • Foreign currency 1,800
    1 point per $1 $150 a month · 1,800 points a year
What counts in each category
Groceries
2 points per $1
Gas
2 points per $1
Travel
2 points per $1
Transit
2 points per $1
Recurring bills
2 points per $1
Everything else (base rate)
1 point per $1

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Personal income $60,000 or more Issuer says
  • Household income $100,000 or more Issuer says
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Checked on Nov 8, 2026. Source

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What critics say

Other reviewers on this card

7.1
Good
Expert Score How we score
  • Money.ca (opens in a new tab) Mar 2026
    6

    “The Laurentian Bank Visa Infinite* is a well-rounded credit card that offers rewards for coveted purchase categories and is the best in Laurentian Bank’s lineup. However, the relatively low reward rates and a high annual fee make this a tricky sell once that annual fee is no longer waived. If you meet this card’s income and credit score requirements, you’ll find more compelling rewards card options out there.”

What cardholders say

Ratings from people with this card

No ratings yet. If you have this card, tell others what it’s like.

Applied and weren’t approved?

Insurance and perks

What comes with it

  • Car rental damage Included
  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Travel medical $5,000,000 per person
  • Trip cancellation Included
  • Trip interruption Included
  • Baggage delay Included
  • Trip Cancellation Insurance
  • Delayed Baggage Insurance
  • Visa Infinite Benefits
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read Laurentian Bank’s insurance certificate before you count on any coverage.

Not included

Not listed for this card: flight delay, lost baggage and mobile device.

Fees and interest

What it costs

Annual fee
$130 a year
Purchase interest
20.99%
Cash advance interest
22.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
$50
Cash advance fee
$3.50
Balance transfer fee
2%
Over-limit fee
None
Late payment fee
None
Source
Issuer page

Interest rates

Balance transfer interest
21.99%
Source
Issuer page

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With typical spending. This card: — year one, — every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the Laurentian Bank Visa Infinite?

$130 a year. Each extra card costs $50.

What income do I need?

Laurentian Bank asks for $60,000 in personal income.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

20.99% on purchases. Cash advances are 22.99%.

Does it include insurance?

It lists extended warranty, purchase protection, trip cancellation insurance and delayed baggage insurance. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

47,400
points
Apply now on Laurentian Bank’s site (opens in a new tab)
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