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Credit cards

  • Help you grow your business
  • Help you manage your business expenses easily and effectively
  • Ideal for companies of every size and every industry

Our Visa Desjardins cards

Choose from our wide range of Visa Desjardins cards for businesses and learn about the privileges and services linked to each one.

  • Interest: Prime rate + 7%1 (regardless of how many cards)
  • Annual fee:
    • 1 to 4 cards: $60/card
    • 5 or more cards: $40/card/year
  • Business Savings Program: get 1% cash back on your purchases
  • Travel Insurance Program: optional

Learn more - Business card"

1. Caisse centrale Desjardins du Québec prime rate.

  • Interest rate: 19.4%
  • Annual fee: US$30/card
  • Corporate insurance plan: complete travel insurance coverage at no extra charge

Learn more - US Business card

  • Interest: Prime rate + 7%2
  • Annual fee: $25/card
  • Business Savings Program: get 1% cash back on your purchases
  • Corporate Insurance Program: comprehensive travel insurance coverage at no extra charge

Learn more - Business Advantage card

2. Caisse centrale Desjardins du Québec prime rate.

  • Interest: Prime rate + 5%3 (regardless of how many cards)
  • Annual fee: $20/card
  • Corporate Insurance Program: comprehensive travel insurance coverage at no extra charge

Learn more - Corporate card

3. Caisse centrale Desjardins du Québec prime rate.

Learn more - Purchasing card

4. Caisse centrale Desjardins du Québec prime rate.

  • Annual interest rate: Prime rate + 3.5% to 8.0%5
  • Monthly fees: $15.50 for the package
  • 3 types of financing adapted to your business requirements:
    • Line of credit
    • Visa Desjardins Business card
    • Accord D Business financing

Learn more - Business Freedom Solutions

5. Caisse centrale Desjardins du Québec prime rate.

Privileges and services

Enjoy many privileges and services

You can save with the Business Savings Program! Charge all your business expenses to your Visa Desjardins Business card or Business Advantage card and get 1% cash back on each purchase.

Features

  • 1% cash back1 is calculated on total purchases made with one or more cards
  • Applies once annual purchases reach $12,000 and up to $500,000 for the Business card and $750,000 for the Business Advantage card
  • Maximum cash back of $4,880 per year for the Business card and $7,380 for the Business Advantage card
  • Cash back will be paid to the business account, once a year on the date the account was opened

1. Excluded are Business cheques, cash advances, Accord D Business transactions carried out at a Desjardins caisse, interest charges, returned goods, administration fees and other fees related to purchases.

In-store Accord D Desjardins Business financing is a second, separate credit limit from existing Visa Desjardins Business card credit limit that companies can use to buy durable goods from a variety of retailers.

Features

  • Credit limit up to $100,000
  • Competitive interest rate
  • Payable in equal monthly instalments, terms of 3 to 60 months
  • Credit limit is permanent and automatically renewable with no annual review
  • 1% annual cash back on purchases made with Accord D Business financing through the Business Savings Program
  • Financing repayable at any time, in full or in part, without penalty
  • Separate account statement for the Business card and Accord D Business financing
  • One monthly payment for your Business card and Accord D Business financing plan balances
  • Possibility of financing in the form of cash loan thanks to Accord D Business Financing at the caisse

Advantages

  • Immediate access to financing thanks to a line of credit that is available at all times
  • Very competitive financing method, thanks to attractive interest rates
  • Financing tailored to the immediate needs of your business
  • No restrictions as to possible financing, since Accord D Business is a cumulative credit line, up to the authorized credit limit
  • Easy to use financing, thanks to a monthly statement and to online cash management services through AccèsD Affaires, allowing companies to track their various financing plans easily and efficiently

Fees and interest rates

  • No annual fee
  • Interest rate: Prime rate2 + 1%

Participating retailers

More than 350 retailers offer Accord D Desjardins Business financing throughout Canada.

To find out which merchants offer Accord D Desjardins Business financing in your region, select a region and sales category, then click on the Search button.

Find merchants who offer Accord D Business financing

2. Caisse centrale Desjardins du Québec prime rate.

Save time and manage your Visa Business cards account independently, thanks to our Business account management, an AccèsD Affaires option allowing you to request a multitude of changes online and at no additional charge.

Features

This service is available on the Cards tab of AccèsD Affaires. It allows you to make several changes to your Business account, including:

  • an increase to the credit limit of the Business card
  • an increase to the credit limit of the Business Freedom Solutions credit line
  • an address change
  • an additional card
  • an Accord D Business credit limit and or an increase to this limit
  • card replacement

Advantages

  • Autonomy: carry out your financial transactions online yourself, when it suits you
  • Speed: avoid going out by obtaining the information you need online
  • Efficiency: make the most of a user-friendly, secure website

Make your business travel easier thanks to Desjardins travel insurance. Complete insurance coverage that allows your business to concentrate on what's important: developing your business. Make the most of business opportunities, while Desjardins insures your security.

Travel Insurance Program

The Travel Insurance Program offers a great deal of insurance coverage for your business travel. It is available as an option for a fee, to Business or Business Advantage card holders.

This program includes:

  • Hospital, medical and paramedical services insurance
  • Accident insurance
  • Baggage insurance, in case of lost, stolen or damaged baggage
  • Disability insurance
  • Accidental death or dismemberment insurance
  • Travel assistance insurance in case of medical emergency or hospitalization

Corporate Insurance Program

The Corporate Insurance Program is full travel insurance coverage at no extra charge. It is offered free of charge to Business Advantage and Corporate card holders.

This program includes:

  • Delayed flight, denied boarding and missed connection insurance
  • Baggage insurance in case of lost, stolen, damaged or delayed baggage
  • Auto Rental Collision/Loss Damage Insurance
  • Hospital, medical and paramedical services insurance
  • Accident insurance - while on board a public transportation vehicle or short term rental vehicle
  • Disability insurance
  • Accidental death or dismemberment insurance
  • Travel Assistance Service, 24 hours a day, 7 days a week, offering replacement of lost or stolen cards, replacement of airline tickets and legal and medical assistance
  • Desjardins Business Assistance: you benefit from a unique telephone service allowing you to get information concerning various aspects of your business travel, like a tee off time or details on the customs of your host country.

You are not held liable if fraudulent transactions are made to your card account.

How to detect fraud

Check the purchases posted to your Visa account for any unauthorized transaction3. An easy way to do this is to check your statement and balance on AccèsD Affaires, available at all times online and over the phone

How do I report fraud?

Call us at 1-800-363-3380

3. Your variable credit contract gives you the definition of a non authorized transaction.

Does your company have commercial vehicles?

Visa* Desjardins Business card or Business Freedom Solutions package holders can enjoy an 8% discount on their annual insurance premium with Desjardins Business Insurance4.

Feature

An 8% discount applies to new insurance policies for commercial vehicles with Desjardins Business Insurance.

*Visa/Fédération des caisses Desjardins du Québec, licenced user.
4. Some conditions may apply. Offer only available to Visa Business card or Business Freedom Solutions package holders. Self-employed workers are not eligible for this offer. Discount only applicable on new insurance policies for 4 or fewer commercial vehicles. This offer may end without prior notice. Quebec residents only. Desjardins Business Insurance refers to Desjardins General Insurance Inc.

Get a discount of up to 20% on short-term car rentals at participating Hertz locations worldwide.

How to take advantage of it?

To take advantage of the discount, mention Visa Desjardins discount 295983 when making your reservation and carry out the payment of your rental vehicles with your Visa Desjardins Business card.

How to make a reservation

Call 1-800-263-0678 or visit the Hertz.

Some of your suppliers don't accept Visa? Use the Business Cheques Service as an alternate solution to carry out your payments.

Features

The Business Cheques Service is the ideal complement to cards for Visa Desjardins businesses. Make the most of the potential of your credit limit under all circumstances. Use this service to pay suppliers who do not accept credit cards, to pay for unforeseen expenses or to benefit from unexpected business opportunities!

Your company can order cheques associated to your card immediately to benefit from an additional payment method. The Business Cheques Service is available for an additional fee.

Learn more about how your Visa Desjardins card works.

  • PIN transactions
  • payWave contactless payment technology
  • magnetic stripe transactions

Learn more - Card technology

Tap and pay with your smartphone. It’s easy, free and secure.

Learn more - Mobile payment service

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