Laurentian VISA Explore STM
First year rewards (up to)
Gift card
Signup
bonus
bonus
Monthly
bonus
bonus
Annual fee
Annual fee
(1st yr waived)
(1st yr waived)
The total net reward is the dollar amount all your rewards will add up to, minus any annual fee you may have to pay. For a detailed explanation on how we calculated this number, check out the Points Calculator tab.
Get more details
Annual fee
(Waived)
Monthly
interest fee
interest fee
after
months
Required deposit
Rewards
Calculator
Redeem
Insurance
Earn points on each dollar you spend
3
points per dollar
How much do you spend on travel each month? Travel expenses can include flights, hotels, cruises, ferry boat rides, and even things like cab fares and hot air balloons in other provinces or countries! Enter an estimate here, to see how much cash back you could earn on travel expenses each month.
Travel
2
points per dollar
1
point per dollar
Monthly spending by category
First year rewards (up to)
First year rewards (up to)
For a limited time, you will receive a promotional offer from Ratehub.ca if your application is approved. Terms and conditions apply. Click here for details.
Gift card
Some credit cards come with an anniversary bonus, to provide more incentive for people to continue using the card for multiple years. The anniversary bonus may be in the form of points, cash, free merchandise, etc, and is given to the card holder every year on the anniversary.
Anniversary bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so.
Spending reward
This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement.
Annual fee
Total net reward
Subsequent years
Subsequent years
Some credit cards come with an anniversary bonus, to provide more incentive for people to continue using the card for multiple years. The anniversary bonus may be in the form of points, cash, free merchandise, etc, and is given to the card holder every year on the anniversary.
Anniversary bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so.
Spending reward
This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement.
Annual fee
Total net reward
Benefits
Travel emergency medical
Travel Accident Insurance
Trip interruption
Baggage loss
Baggage delay
If you use your credit card to rent a car, you will likely have some amount of collision and damage insurance. Collision and damage insurance protects you, the cardholder, in the event that a rental car is damaged and/or in an accident, while it's in your possession. Read the fine print in your agreement, before you rent your next car.
Rental
Car rental collision / loss damage waiver
- Zero liability
- Price protection
- Extended warranty
Fees & interest
This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement.
Annual fee:
$111
This is the annual interest rate you will pay on purchases, if/when you can't pay off the entire balance by the payment due date outlined on your credit card statement.
Purchase interest rate:
19.90%
Eligibility
This is the total annual family income requirement to be eligible for this credit card. Only applicable if the applicant does not meet the annual income requirement themselves.
Household income:
Any amount
- Be a permanent Canadian resident
- Have reached the age of majority in the province in which you live (18 yrs in AB, MB, ON, PE, QC, SK. 19 yrs all others)
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You could get a 0% promotional annual interest rate (“AIR”)† for 6 months. |
Earn $150 in bonus points for travel with your first $1,000 in everyday purchases. |
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| Compare | Compare | Compare | Compare |
Get more details
- 3 points for every dollar on recurring payments (3%)
- 2 points for every dollar on foreign currency purchases as well as travel and transportation-related purchases (2%)
- 1 point for every dollar on other eligible purchases (1%)
- 25% more points on purchases made with the program agency
- 10% off on all STM fares (Société de transport de Montréal)
- (Save 10% exclusively on all fares purchased at STM vending machines) ($87 in savings a year)
-
Receive up to 15,000 welcome points the first year:
- Simply charge a minimum of $750 to your account within 50 days of the date indicated on the letter accompanying the card to receive 10,000 welcome points
- Charge a minimum of $4,500 the first year, and you'll receive an additional 5,000 points on the anniversary of the account opening!