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Credit cards

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Visa Desjardins Cash Back card

Visa Desjardins Cash Back card

Visa Desjardins credit cards

Our credit cards

Choose from all our Visa Desjardins cards and learn about the privileges and services that you'll get with them.

  • Interest rate: 19.9%
  • Low interest rate: optional 12.9% ($30)
  • Annual fee: none
  • Card image personalization service
  • 3-Day Travel Insurance at no charge
  • Mobile Device Insurance at no charge covering your mobile phone or tablet in the event of loss, theft, mechanical breakdown or accidental damage

Learn more - CARDS FOR STUDENTS ONLY

  • Interest rate: 12.9%
  • Annual fee: $30
  • 3-Day Travel Insurance at no charge

Learn more - Classic card

  • Interest rate: 19.9%
  • Annual fee: none
  • Cash back: up to 1% on your purchases
  • 3-Day Travel Insurance at no charge
  • Mobile Device Insurance at no charge covering your mobile phone or tablet in the event of loss, theft, mechanical breakdown or accidental damage

Learn more - Cash Back card

  • Interest rate: 19.9%
  • Annual fee: $30
  • Rewards program: 1% of your purchases in BONUSDOLLARS®
  • 3-Day Travel Insurance at no charge

Learn more - Elegance Gold card

  • Interest rate: 9.9%
  • Annual fee: $50
  • Rewards program: 1% of your purchases in BONUSDOLLARS®
  • 3-Day Travel Insurance at no charge

Learn more - Modulo Gold card

  • Interest rate: 19.9%
  • Annual fee: $110 ($90 for cardholders age 76 and over)
  • Rewards program: up to 2% of your purchases in BONUSDOLLARS®
  • Comprehensive travel insurance

Learn more - Odyssey Gold card

  • Interest rate: 19.9%
  • Annual fee: $130
  • Rewards program: 1.5% of your purchases in BONUSDOLLARS®
  • Comprehensive travel insurance

Learn more - Platinum card

  • Interest rate: 19.4%
  • Annual fee: US$30
  • No conversion fees on U.S. dollar transactions
  • Lets you avoid exchange rate fluctuation costs on U.S. dollar transactions
  • 3-Day Travel Insurance at no charge
  • Auto rental insurance1 at no charge

Learn more - U.S. card

1. Auto Rental Collision/Loss Damage Insurance

Card categories

Desjardins BONUSDOLLARS are as easy to collect as they are to redeem. Exchange them for travel, show tickets, gifts, products, charitable donations and Desjardins financial services and travel with your Gold or Platinum card.

You automatically accumulate BONUSDOLLARS on every purchase charged to your card.

The program is included with these cards:

  • Elegance Gold®
  • Modulo Gold®
  • Odyssey® Gold
  • Prestige Platinum

Learn more - Cards with rewards programs

With the Visa Desjardins Cashback card, you get 0.5% cash back on all your purchases.

Plus, this cash back increases to 1% when you make contactless payments with Visa payWave or pay your service providers with preauthorized payments.

When you accumulate $25 cash back, your account is automatically credited.

Learn more - Card with cash back

These cards let you enjoy a number of advantages, depending on your needs, at no annual fee.

Learn more - Cards with no annual fee

Save on interest charges! If you sometimes carry over an unpaid balance, the "Low interest rate" option might be to your advantage.

All cards with low interest rates include Accord D Desjardins financing and allow you to get cash advances.

Learn more - Low interest rate cards

This card is perfect for students getting their first credit card:

  • No annual fee, no transaction fees
  • Credit limit up to $300
  • A tool to start building a good credit history
  • Mobile Device Insurance included

Learn more - Student card

Odyssey Gold, Elegance Gold, Modulo Gold and Prestige Platinum

All these cards include the BONUSDOLLARS Rewards Program, Purchase Protection and Extended Warranty as well as Accord D Desjardins financing.

Learn more - Gold prestige cards

These cards are specially designed to meet the needs of travellers

Learn more - Travel cards

Choosing a Visa Desjardins Affinity card is a concrete way to show that you are a member of an organization or that you support a cause from one of the following categories:

  • educational institutions
  • environment
  • social organizations
  • charitable organizations
  • employee groups
  • sports associations
  • cooperation

Learn more - Affinity and Partner cards

Annual fee and fixed annual interest rate are subject to change without prior notice.

®Elegance, Modulo, Odyssey and BONUSDOLLARS are registered trademarks of Fédération des caisses Desjardins du Québec.

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