A refreshed, Brim-powered Visa Infinite with simple cash-like points and solid insurance, including senior-friendly travel medical. The fee and modest bonus keep it a niche pick outside Laurentian's client base.
At a glance
Annual fee
$130
Welcome bonus
~$120
Foreign tx fee
2.5%
Network
VISA
Rewards
points
Purchase APR
20.99%
Rewards & earn rates
Groceries
2x
Gas
2x
Travel
2x
Transportation
2x
Recurring payments
2x
Everything else
1x
Welcome offer: 12,000 bonus points, worth $120 (Spend $1,500 in the first 3 months).
Pros & cons
Pros
Strong $5M travel medical insurance, including 65+ coverage
Flexible 2% earn on five everyday categories
Lower income requirement than most premium cards
Cons
$130 fee with a modest welcome bonus
No airline or hotel transfer partners
Limited branch presence outside Quebec
Perks & insurance
Key perks
Points worth a flat 1 cent each as statement credit against any purchase (100 points = $1)
Instant virtual card on approval (Brim Financial platform)
Up to 30% extra points through Laurentian's eShop portal
Visa Infinite Concierge, Luxury Hotel Collection and Troon golf benefits
First additional card fee rebated in year one
Insurance
Travel emergency medical $5,000,000 (31 days; 15 days if 65+)
Trip cancellation $2,000 and trip interruption $5,000
Common carrier travel accident $500,000
Baggage delay coverage
Auto rental collision/loss damage insurance
Purchase protection (90 days) and extended warranty (1 year)
Rates & fees
Annual fee
$130
Purchase interest
20.99%
Cash advance
22.99%
Foreign transactions
2.5%
Min. personal income
$60,000
Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team
