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CREDIT CARDS FROM LUMINUS

Smart spending, exclusive rewards, and financial freedom

Boost your purchasing capability and immerse yourself in a realm of unique perks customized for your lifestyle. Our Visa* credit cards come with attractive interest rates, advanced security measures, and a straightforward application process, crafted to support your financial aspirations. Whether it's for daily expenses, orchestrating your ideal getaway, or enhancing your credit profile, Luminus Financial is ready to meet your needs.

Limited-time special offers

Earn 5,000 Welcome Points
Apply, spend, and earn Welcome Points! Sign up for a new credit card and get up to 5,000 Welcome Points* after your first purchase.

Valid until December 31, 2024
0% balance transfer
Don’t let high credit card interest rates stand in the way of your financial progress. Pay 0% interest for the first nine months when you transfer your existing credit card balances for a one-time transfer fee of 2%*.

Valid until June 30, 2024
New to Canada?
Sign up for a new credit card and receive a $50 statement credit. With advice on building credit and resources you may need to get started, we’re here to support you through the process.

Valid until December 31, 2024

Cards that match your needs and lifestyle

Classic Visa*

For simple use and savings, the Classic Visa* is the choice for you. It keeps everything easy: no annual fee, a low interest rate, and mobile device insurance. The only decision you'll need to make is what to buy.
  • Zero annual fee
  • 12.99% fixed interest rate on purchases
  • Zero-liability fraud protection
  • Purchase protection & extended warranty
  • Mobile device insurance

Cash Back Visa*

It doesn't matter if you're buying groceries or gas, dining out with friends, getting a haircut, or seeing the latest movie in a theatre. It all adds up to valuable cash back that can be redeemed as an account credit.
  • Zero annual fee
  • 20.99% fixed interest rate on purchases
  • Earn cash rewards
  • Zero-liability fraud protection
  • Purchase protection & extended warranty
  • Mobile device insurance

Centra Visa* Gold

Why pay more to carry a rewards credit card? The Centra Visa* Gold card helps you collect valuable reward points on the purchases you make on a regular basis. But you won't break the budget with high fees or rates.
  • $50 annual fee
  • $10 additional card fee
  • 12.99% fixed interest rate on purchases
  • Earn rewards points
  • Zero-liability fraud protection
  • Mobile device insurance
  • Purchase protection & extended warranty

Visa* Infinite

The Visa* Infinite is your key to earning the exclusive benefits you deserve. You'll be rewarded with unique benefits and exceptional service wherever you go.
  • $120 annual fee
  • $50 additional card fee
  • 20.99% fixed interest rate on purchases
  • Earn rewards points
  • Auto rental collision/loss damage insurance
  • Purchase protection & extended warranty
  • Emergency healthcare coverage
  • Protection for grandchildren travelling with you
  • Lost or delayed baggage
  • 24/7 Travel assistance
  • Zero-liability fraud protection

Cash Back Visa* Infinite

With the Cash Back Visa* Infinite, you have perks that fit the way you live your life—from purchase protection to coverage for your mobile device, to those days you want to live it up a little with your Visa Infinite Exclusive Benefits.
  • $120 annual fee
  • $50 additional card fee
  • 20.99% fixed interest rate on purchases
  • Earn rewards points
  • Emergency healthcare and baggage coverage (15 days under 65 years)
  • Protection for grandchildren travelling with you
  • 24/7 Travel assistance
  • Auto rental collision/loss damage insurance
  • Purchase protection & extended warranty
  • Mobile device insurance
  • Zero-liability fraud protection

US Dollar Visa*

Your new US Dollar Visa* is your key to earning the privileges you deserve whenever you go to the United States or shop online with a US company. Because there are no foreign transaction fees for US purchases, this is the perfect card when you travel or shop in the US.
  • $50 USD annual fee
  • $35 USD additional card fee
  • 19.99% fixed interest rate on purchases
  • Zero-liability fraud protection
  • Earn rewards points
  • Auto rental collision/loss damage insurance
  • Purchase protection & extended warranty

Need help selecting a card?

Still not sure which card is right for you? Try our card selector tool.

Frequently asked questions

*Trademark of Visa Int., used under license.

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