Best Laurentian Bank Credit Cards In Canada For 2026
If you live outside of Quebec, Laurentian Bank may not be familiar to you – but Laurentian’s banking products are available to all Canadians, including a selection of 4 Visa credit cards. We’re looking at the top Laurentian offerings and seeing how they stack up against popular competitor credit cards.
Key Takeaways
- Laurentian Bank is based in Quebec but their credit cards are available to all Canadians.
- The best Laurentian credit card is the Laurentian Bank Visa Infinite.
The best Laurentian credit cards compared to other top cards
Here are the 3 best credit cards Laurentian Bank offers and how they compare to a top competitor.
| Category | Laurentian credit card | Top competitor |
|---|---|---|
| Best rewards | Laurentian Bank Visa Infinite | MBNA Rewards World Elite Mastercard |
| Best no fee | Laurentian Bank Visa Reward Me | Tangerine Money-Back Credit Card |
| Best low interest | Laurentian Bank Visa Reduced Rate | MBNA True Line Mastercard |
Laurentian Bank Visa Infinite against one of the best credit cards in Canada
Laurentian's premium credit card is the Laurentian Bank Visa Infinite. This is a flexible rewards credit card that earns up to 2 points per $1 spent on purchases. But in reality it's just a cash back card. You simply use your points to pay for any purchase made on the account or to pay your statement balance. Each point is worth 1 cent.
So here's how it compares to one of the best cash back credit cards around – the BMO CashBack World Elite Mastercard.
| Laurentian Bank Visa Infinite | BMO CashBack World Elite Mastercard | |
|---|---|---|
| Welcome Bonus |  $150 GeniusCash + Up to $480 cash back in the first year, first year free (terms) | |
| Earn Rates | * 2 points per $1 spent on gas, groceries, recurring bills, travel, and transportation * 1 point per $1 spent on everything else | * 5% cash back on groceries, up to $500 in monthly spend * 4% cash back on transit, up to $300 in monthly spend * 3% cash back on gas, up to $300 in monthly spend * 2% cash back on recurring bills, up to $500 in monthly spend * 1% cash back on all other purchases |
| Average Return On Purchases | 1.48% | 2.02% |
| Insurance Coverage | 8 | 13 |
| Other Perks | * Bonus rewards when shopping through the Laurentian Bank eShop | * Free roadside assistance |
| Annual Fee | $130 | $120 |
| Income Requirements | * $60,000 personal * $100,000 household | * $80,000 personal * $150,000 household |
It's not really much of a fight here. The BMO CashBack World Elite Mastercard is pretty much superior in almost every way – it offers more rewards and insurance, for the same annual fee.
×1 Award winner 
GC: $150
1x Award winner Laurentian Bank Visa Reward Me against one of the best no fee cash back cards
The Laurentian Bank Visa Reward Me is the no fee counterpart to the Laurentian Bank Visa Infinite. It comes with pared down rewards and benefits of up to 1 point per $1 spent on purchases.
So let's see how it looks compared to one of the best no fee cash back cards around – the Tangerine Money-Back Credit Card.
| Laurentian Bank Visa Reward Me | Tangerine Money-Back Credit Card | |
|---|---|---|
| Welcome Bonus | $80 GeniusCash + 10% extra cash back for the first 2 months (terms) | |
| Earn Rates | * 1 point per $1 spent on gas, groceries, and recurring bills * 0.5 points per $1 spent on everything else | * 2% cash back on purchases in up to 3 Money-Back Categories * 0.5% cash back on all other purchases |
| Average Return On Purchases | 0.71% | 1.14% |
| Insurance Coverage | 2 | 2 |
| Annual Fee | $0 | $0 |
| Income Requirements | * None | * $12,000 personal |
Again it's not much of a contest. Tangerine will give you double the rewards on bonus categories. And in Tangerine's case, you get to pick which categories earn you 2% back. You get to choose 2 if you get your cash back applied as a statement credit, and 3 if you deposit them into a Tangerine savings account.
It's more rewarding for no annual fee.
×2 Award winner GC: $80
2x Award winner Laurentian Bank Visa Reduced Rate against a top low interest credit card
Meridian offers a low interest credit card to help save on interest with the Laurentian Bank Visa Reduced Rate, which offers up to 1% cash back on purchases.
Here's how it compares to the MBNA True Line Gold Mastercard which offers some of the best credit card interest rates you can find.
| Laurentian Bank Visa Reduced Rate | MBNA True Line Gold Mastercard | |
|---|---|---|
| Interest Rates | * Purchase: 12.49% * Cash Advance: 13.99% * Balance Transfer: 12.49% | * Purchase: 10.99% * Cash Advance: 24.99% * Balance Transfer: 13.99% |
| Insurance Coverage | 0 | 3 |
| Annual Fee | $30 | $39 |
| Income Requirements | * None | * None |
Again, not much of a contest here. The MBNA True Line Gold Mastercard is a better credit card with lower interest rates for a slightly higher annual fee.
Pros and cons of Laurentian credit cards
Before applying for a Laurentian card, you’ll want to consider the benefits and potential drawbacks.
- Bonus rewards through the Laurentian Bank eShop. All of Laurentian Bank's credit cards, including the Laurentian Bank Visa Reduced Rate, will earn you bonus rewards when you shop with participating retailers through the Laurentian Bank eShop. Depending on the retailer, you can earn up to 15% back on your purchases there.
- Lower annual fees. You won't find the annual fees exorbitant with Laurentian credit cards – two of them have no fee, one is a low fee card, and the other has a fee in line with comparable Visa Infinites.
- Limited selection of cards and perks. Laurentian only offers 4 credit cards, which means there’s a good chance they may not have exactly what you’re looking for.
- Limited rewards. As seen earlier, the rewards on Laurentian credit cards simply can't compare to what other competitors offer.
- Limited welcome bonuses. Like getting a big bonus for getting a new credit card? Laurentian's welcome offers are quite limiting compared to what other credit cards offer.
Compare all Laurentian Bank Credit Cards
FAQ
Is Laurentian Bank owned by Desjardins?
After the 1994 merger, Desjardins became the majority shareholder of Laurentian Bank of Canada.
What is the best Laurentian Bank credit card?
The best Laurentian bank credit card is the Laurentian Bank Visa Infinite. This card offers up to 2 points per $1 spent on purchases and includes 8 types of insurance for an annual fee of $130.
Editorial Disclaimer: The content here reflects the author's opinion alone. No bank, credit card issuer, rewards program, or other entity has reviewed, approved, or endorsed this content. For complete and updated product information please visit the product issuer's website. Our credit card scores and rankings are based on our Rating Methodology that takes into account 126+ features for each of 242 Canadian credit cards.
