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Hard Credit Check How To Protect Your Credit Score Must Read Best Instant Approval Credit Cards ‒ From No Credit To Excellent Credit Credit Cards For Bad Credit Secured Credit Cards Tangerine Money Back Credit Card KOHO Prepaid Mastercard Review Credit Card Quiz Visa Laurentian Bank Visa Infinite 3.3 Genius Rating (0) Write your review The Laurentian Bank Visa Infinite card offers up to 2 points per $1 spent on all purchases, with points that can be used to pay for any purchase. Plus, it includes extensive insurance coverage. $130.00 Annual fee Learn more $0 ◊ Welcome bonus Learn more $354 ◊ Annual rewards Learn more Find your top card | Read our disclosure creditcardGenius Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Click to read our detailed disclosure. Apply Now Add to wallet Credit estimate:  (760 - 900) Instant approval: Yes Visa Laurentian Bank Visa Infinite 3.3 Genius Rating (0) Write your review Apply Now Add to wallet The Laurentian Bank Visa Infinite card offers up to 2 points per $1 spent on all purchases, with points that can be used to pay for any purchase. Plus, it includes extensive insurance coverage. $130.00 Annual fee Learn more $0 ◊ Welcome bonus Learn more $354 ◊ Annual rewards Learn more Credit estimate:  (760 - 900) Instant approval: Yes Find your top card | Read our disclosure creditcardGenius Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Click to read our detailed disclosure . Monthly Spending: $ View Breakdown Pros & Cons Your Rewards Compare Cards Details and Eligibility Insurance Coverage Genius Rating Our Review Key Benefits Write Your Review Pairs Well With Pros & cons Pros Welcome bonus of up to 60,000 bonus points when you spend $6,000 in the first six months—a $600 value. Earn rate of 2 points per $1 spent on gas, groceries, recurring bills, travel, and transportation and 1 point per $1 spent on everything else. Visa Infinite benefits, including concierge service. 8 types of insurance included. Cons Relatively high income requirements of $60,000 personal or 100,000 household. High annual fee of $130. Your rewards How you earn rewards Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With Laurentian Bank Visa Infinite , here's how you earn rewards: 2 points per $1 spent on gas , groceries , recurring bills , travel , and transportation 1 point per $1 spent on everything else For all reward details click here . How much your rewards are worth The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For Laurentian Bank Visa Infinite in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose: Statement credits $354   Statement credits $354 This card doesn't offer any rewards. Calculating your annual rewards $24,000 annual spending x 1.48% return on spending = $354 annual rewards $354 annual rewards − $130.00 annual fee = $224 net annual rewards Top related credit cards Compare similar cards side-by-side. American Express Cobalt ® Card GC: $100 5.0 Genius Rating 4.1 (80) User Reviews 8x Award Winner $1080 Annual Rewards $300 Welcome Bonus $191.88 Annual Fee Learn More CIBC Aventura ® Visa Infinite * Card (QC) 4.2 Genius Rating 3.0 (1) User Reviews   $639 Annual Rewards $1151 Welcome Bonus $139.00 Annual Fee Learn More TD First Class Travel ® Visa Infinite * Card GC: $20 4.1 Genius Rating 3.5 (78) User Reviews   $475 Annual Rewards $825 Welcome Bonus $139.00 Annual Fee Learn More CIBC Aventura ® Gold Visa * Card 4.0 Genius Rating 3.4 (5) User Reviews   $639 Annual Rewards $1151 Welcome Bonus $139.00 Annual Fee Learn More BMO CashBack ® World Elite ® * Mastercard ® * GC: $150 4.0 Genius Rating 2.8 (53) User Reviews   $492 Annual Rewards $480 Welcome Bonus $120.00 Annual Fee Learn More Scotia Momentum ® Visa Infinite * Card GC: $20 3.4 Genius Rating 3.2 (77) User Reviews   $498 Annual Rewards $159 Welcome Bonus $120.00 Annual Fee Learn More BMO Ascend ™ World Elite ® * Mastercard ® * GC: $125 3.4 Genius Rating 2.3 (53) User Reviews   $262 Annual Rewards $670 Welcome Bonus $150.00 Annual Fee Learn More BMO eclipse Visa Infinite * Card GC: $150 3.1 Genius Rating 2.9 (18) User Reviews   $386 Annual Rewards $469 Welcome Bonus $120.00 Annual Fee Learn More TD Cash Back Visa Infinite * Card GC: $100 3.1 Genius Rating 3.3 (40) User Reviews   $444 Annual Rewards $245 Welcome Bonus $139.00 Annual Fee Learn More CIBC Dividend ® Visa Infinite * Card (QC) 2.7 Genius Rating 0.0 (0) User Reviews   $456 Annual Rewards $203 Welcome Bonus $120.00 Annual Fee Learn More Details and eligibility Do I qualify? Estimated Credit Score 760 - 900 Personal Income $60,000 Household Income $100,000 Canadian resident who has reached the provincial age of majority. Fees Annual Fee $130.00 Extra Card Fee $50 Card type Credit Interest rates Purchase 20.99% Cash Advance 22.99% Balance Transfer 21.99% Insurance coverage Extended Warranty 1 year Purchase Protection 90 days Travel Accident $500,000 Emergency Medical Term 31 days Emergency Medical Maximum Coverage $5,000,000 Emergency Medical over 65 15 days Trip Cancellation $2,000 Trip Interruption $5,000 Baggage Delay $2,500 Rental Car Theft & Damage Yes Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply. Learn more about the value of credit card insurance coverage. Genius Rating Laurentian Bank Visa Infinite's 3.3 Genius Rating is based on the weighted average of the following scores: Rewards 2.6 Fees 2.3 Insurance 3.3 Interest 2.0 Perks 1.0 Approval 0.4 Acceptance 4.6 Methodology All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features. Learn more about our rating methodology. Top cards from Visa CIBC Aventura ® Visa Infinite * Card (QC) Earn up to 45,000 Aventura points + 4 free lounge passes per year. * CIBC Aventura ® Gold Visa * Card (QC) Earn up to 45,000 Aventura points + 4 free lounge passes per year. * GC: $150 BMO eclipse Visa Infinite * Card Exclusive : Up to $637 in value + 5x points on gas & groceries. * Laurentian Bank Visa Infinite review Written by creditcardGenius Team   Fact Checked Fact Checked Accuracy is important to us so this article has gone through a thorough 3-stage review process and fact-checked by our team. The Laurentian Bank Visa Infinite is a rewards credit card offered by Laurentian Bank, best known for its strong returns and different ways to earn big bonuses, including a snappy referral program. Here's our review of this challenger bank's big offering and how it compares to some big bank offers. In this article Pros Cons Comparison FAQ Pros of the Laurentian Bank Visa Infinite 1. Big welcome bonus Smaller banks don't usually offer welcome bonuses on their credit cards, but Laurentian bucks the trend here with up to 60,000 points when you spend $6,000 in the first 6 months. With each point worth 1 cent each, this adds up to $600. 2. Referral program for more bonus points Another rarity for challenger bank cards, the Laurentian Bank Visa Infinite offers a referral bonus of 2,000 points for each friend or family member you refer. This works out to $20 per person, which isn't life-changing, but it's nice to nab a few extra bucks if someone you know was planning to get a card like this anyway. 3. Good rewards earn rate The Laurentian Bank Visa Infinite earns rewards at a strong pace, matching a lot of other big bank rewards cards in terms of what you'll earn. Here are the details: 2 points per $1 spent on gas, groceries, recurring bills, travel, and transportation 1 point per $1 spent on everything else You'll always be getting at least 1% back on your purchases, which is doubled on 5 common or useful categories. 4. Very good insurance The insurance coverage for this card is a big selling point due to the high number of categories it covers (8). Plus, it includes a rare feature – 15 days of travel insurance for those over 65 . 5. Installment plan available The Laurentian Bank Visa Infinite comes with a buy now pay later plan that can break up purchases totalling over $100 into manageable chunks. This will charge a lower 5.99% interest rate with no credit checks required, allowing you to access larger purchases more easily. Cons of the Laurentian Bank Visa Infinite Here are some places where the Laurentian Bank Visa Infinite is lacking compared to its competition. 1. High income requirements As this is a Visa Infinite card , it has the standard (and higher) income requirements of: $60,000 personal $100,000 household This makes it less accessible for some people. 2. High annual fee If you want all the benefits of this card, you'll have to pay $130 to use it. There is no fee waiver for the first year, either, so be sure that the rewards you earn and perks you take advantage of exceed it. Comparison to a popular Visa Infinite rewards card Let's see how this compares to one of the best rewards credit cards in Canada, the MBNA Rewards World Elite Mastercard . Laurentian Bank Visa Infinite MBNA Rewards World Elite Mastercard Earn rates * 2 points per $1 spent on gas, groceries, recurring bills, travel, and transportation * 1 point per $1 spent on everything else * 5 points for every $1 spent on restaurants, groceries, and select recurring bills (up to $50,000 spent annually per category) * 1 point per $1 spent on all other purchases Welcome bonus Up to 60,000 points $100 GeniusCash + 30,000 bonus points ( terms ) Number of insurance coverage types 8 12 Other perks * Referral program that earns 2,000 points per person referred * Installment plans available * Annual birthday bonus of 10% of your points earned in the past year Annual fee $130 $120 Income requirements $60,000 personal or $100,000 household $80,000 personal or $150,000 household When looking strictly in terms of rewards, the MBNA card wins hands down because of the higher rate in which it earns points. The maximum value of each point is also the same as what you'd see with Laurentian, so you'd effectively be getting up to 2.5x the return if you maximize your redemptions. Insurance is a tougher call since you get better travel accident coverage and more insurance coverage types in general with MBNA, but most of the other insurance coverage categories are more valuable with Laurentian. In terms of accessibility, MBNA has a slightly lower annual fee but the income requirements to get the card are much higher. MBNA also has the advantage of GeniusCash, netting you $100 on us if you get approved. Would you spring for Laurentian's premium credit card option? Overall, Laurentian offers a decent credit card in the Laurentian Bank Visa Infinite, especially because it has a nice welcome bonus and a few other perks that aren't always available with some of the smaller banks. If you have this card, let us know what you think of it by leaving a review. FAQ Does the Laurentian Bank Visa Infinite come with a welcome bonus? Yes, you'll earn up to 60,000 Laurentian points after spending $6,000 in the first 6 months. What perks does the Laurentian Bank Visa Infinite include? Other than some high-value insurance, the Laurentian Bank Visa Infinite comes with a referral program that earns you points for each friend or family member you refer, plus an installment plan that can break up large purchases. Does the Laurentian Bank Visa Infinite have an annual fee? Yes, there is a $130 annual fee that comes with the Laurentian Bank Visa Infinite. People also viewed American Express Essential ™ Credit Card Low interest rates of 12.99% + Low annual fee. * More Rewards RBC Visa Infinite Up to 20,000 bonus points + No annual fee. * TD Platinum Travel Visa * Card Up to 50,000 TD Rewards points (conditions apply). * Key benefits Earn 2 points per $1 spent on gas, groceries, travel, transportation, and recurring bills. Earn 1 point per $1 spent on all other purchases. Use your points to pay for any transaction charged to your card – 1,000 points = $10 in savings. Get an extensive set of travel and purchase insurance. $130 annual fee. What are your thoughts? Do you own this card? I have it I canned it How good is this card overall? Rate the application process: Rate the customer service: Thank you for your review! Hang tight while we verify and approve it. If you want to see your review right away... Create an account: Name * Email * Password * Password requirements: At least 8 characters long At least one lower case letter At least one upper case letter At least one number At least one special character Password confirmed Password best practices Please send me credit card deals, news, reviews, and tips directly to my inbox. It only takes one click to unsubscribe. By clicking the button below, you agree to our Privacy Policy and Terms and Conditions .   Login Pairs well with... GC: $20 MBNA True Line ® Mastercard ® 0% on balance transfers for 12 months (3% fee) + No annual fee. * Scotiabank Value Visa Card Low permanent interest rates of 13.99% + First year free. * CIBC Select Visa * Card 0% on balance transfers for 10 months + First year fee rebate. * GC: $120 Tangerine ® Money-Back World Mastercard ® * $120 bonus cash back * + No annual fee. * BMO Preferred Rate Mastercard ® * 0.99% on balance transfers for 9 months + Very low interest rates. * GC: $20 BMO CashBack ® Mastercard ® * Up to 5% cash back + No annual fee. * MBNA True Line ® Gold Mastercard ® Low interest rates of 10.99% + Low annual fee. * RBC ® Visa ‡ Classic Low Rate Option Low permanent interest rates of 12.99% + Low annual fee. * GC: $125 BMO eclipse rise Visa * Card Up to 25,000 bonus points + No annual fee. * TD Low Rate Visa * Card 0% promotional rate on new purchases for the first 6 months. * About creditcardGenius creditcardGenius is a smart credit card matchmaker that compares 126+ features of 227+ credit cards, with objective ratings, rankings and reviews. Built in 2017, for Canadians by Canadians, creditcardGenius is trusted by more than 200,000 people every month, 50,000 newsletter subscribers, and 15M people since launch. Read more about creditcardGenius About creditcardGenius About creditcardGenius Team The creditcardGenius team of writers is dedicated to bringing factual, helpful, and thorough information to Canadian consumers. Each piece of content goes through a 3-step review process because quality is important to us. Read more about creditcardGenius Team About creditcardGenius Team Rating Methodology The most comprehensive credit card rating system in Canada. Featured In The Genius Is You. Get hot credit card tips, news, reviews, and exclusive offers directly to your inbox. Only legit stuff gets sent. And it only takes one click to unsubscribe - so give it a try. Have a second? Let us know how we can make your experience better. Resources Review Your Card Credit Card FAQ Sliders Credit Card Quiz Company About Careers Scholarship Disclosure Help Contact GeniusCash Report Bug   Privacy Policy | Terms | Security Province: Alberta British Columbia Manitoba New Brunswick Newfoundland and Labrador Nunavut Northwest Territories Nova Scotia Ontario Prince Edward Island Quebec Saskatchewan Yukon Copyright © 2025 WeyMedia Inc. 200 Champlain St. Suite 210, Dieppe, NB E1A 1P1 ◊ The creditcardGenius algorithm, based on our Rating Methodology , calculates an estimated dollar value for all rewards and bonuses by combining typical monthly spending with well-researched reward point value estimates . "Annual Rewards" is calculated by combining our default $2,000 in monthly spending ($24,000 annually) spread across 8 different spending categories (gas, groceries, travel, etc) with our point value estimates. "Welcome Bonus" is calculated by combining all one-time bonuses available to new cardholders within the first year with our point value estimates. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. "Annual Interest Savings" is based on a credit card balance of $8,000 and a standard credit card interest rate of 19.99%. Annual Rewards, Welcome Bonus, and Annual Interest Savings values will change if the person adjusts their monthly spending away from the $2,000 monthly default or changes their reward preferences. *, † Terms and conditions apply. Your feedback matters What do you think of creditcardGenius? Needs work It's ok It's great! Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. 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