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BONUS­DOLLARS Rewards Program

Earn BONUS­DOLLARS® by making purchases with an eligible credit card. Then, log in to AccèsD to redeem them for gift cards, pay restaurant meals, make TFSA contributions and more.

Log in to AccèsD

BONUS­DOLLARS Rewards Program at a glance

You earn rewards when you make certain purchases with 1 of our 4 BONUSDOLLARS credit cards.

1 BONUSDOLLAR earned = $1 you can redeem

For example, a balance of 250 BONUSDOLLARS means you can redeem $250.

Once you've earned 20 or more BONUSDOLLARS, you can use them to:

  • Buy gift cards

  • Get Desjardins financial products or services

  • Pay off certain purchases

Treat yourself with gift cards

Choose from a wide range of gift cards from your favourite brands 1 . We have digital and physical gift cards valued at $25, $50 and $100.

Gift card categories
  • Art, culture and entertainment (such as Archambault, Cineplex or DeSerres)
  • Home and garden (such as Canadian Tire, Costco or Rona)
  • Fashion and accessories (such as La Vie en Rose, Simons or Hudson's Bay)
  • Food and beverage (such as Metro, Uber Eats or SAQ)
  • Health and wellness (such as Sephora, Pharmaprix or  Strom)
  • Sports and fitness (such as Decathlon, SAIL or Lululemon)
  • Travel and leisure (such as Air Canada, Esso or Uber)
  • Electronics and tech (such as Apple, Best Buy or The Source)
See the BONUS­DOLLARS Reward Catalogue External link.

Ordering a gift card

 Step one

Log in to AccèsD

On AccèsD, choose the card that has the BONUSDOLLARS you want to use. First, select BONUSDOLLARS, then Redeem BONUSDOLLARS, then Gift cards. You'll be redirected to the gift card catalogue on bonusdollars.ca.

 Step two

Browse the gift card catalogue

Choose your gift card from the catalogue. Enter your information and follow the steps to redeem your BONUSDOLLARS.

 Step three

Checkout

Make sure your information is correct, then select Checkout. Repeat steps 2 and 3 for each gift card you want to order.

Digital gift cards generally take 2 to 3 days to arrive. Physical gift cards generally take 2 to 4 weeks to arrive.

Get financial products and services

Pay all or part of your insurance premiums, invest in savings products or make a capital payment on a loan with your BONUSDOLLARS.

Eligible Desjardins products and services

Insurance

  • Savings-Life Insurance and loan insurance
  • Home and auto insurance
  • Travel and accident insurance (Accirance)

Savings

  • RRSPs, RESPs or TFSAs obtained at a caisse or branch or on AccèsD, including term deposits, market-linked guaranteed investments and Desjardins Funds
  • RRSPs, RESPs or TFSAs obtained through Desjardins Securities or Desjardins Online Brokerage
  • Shares from Capital régional et coopératif Desjardins (in Quebec only)

Financing

  • Car loans
  • Personal loans
  • Mortgages

Pay off certain purchases

Use your BONUSDOLLARS to pay off certain credit card purchases. Purchases must fall under 1 of the following categories. You have 60 days after purchase to use your BONUSDOLLARS, even if you've already paid off your account balance. 2 . 

Eligible redemption categories
  • Restaurants
  • Entertainment (such as shows, movies and attractions)
  • Travel (such as plane tickets and accom­modations)
  • Alternative transportation (such as buses, commuter trains, taxis, metros or public charging stations for electric vehicles)
  • Charitable donations

Redeem your BONUS­DOLLARS on your own

You can redeem your BONUSDOLLARS on AccèsD.
 
 
  1. Log in to AccèsD in your web browser or the Desjardins mobile services app.
  2. Choose the card that has the BONUSDOLLARS you want to use. 
  3. Select BONUSDOLLARS.
  4. Select Redeem BONUSDOLLARS.
  5. Select a category:  Gift cards, Financial products and services or Eligible transactions.
  6. Follow the steps to redeem your BONUSDOLLARS.
Log in to AccèsD
What you can't get

You can't redeem your BONUSDOLLARS:

  • To get cash back 
  • To make payments on an installment plan 
  • To pay your card's annual fees
  • To pay your card's balance, unless it's for the Odyssey Visa Infinite Privilege

Earn BONUS­DOLLARS

You earn BONUSDOLLARS by paying with your credit card, whether you pay all at once or in installments.  The number of BONUSDOLLARS you earn is equivalent to a percentage of your purchases. This percentage varies depending on which card you use and the purchase category.

Percentage of your purchases in BONUS­DOLLARS

 Purchase category. Bonus Visa*
 Odyssey® Gold Visa*

Odyssey® World Elite® Mastercard®

Odyssey® Visa Infinite Privilege*
Groceries 0.5% 1% Up to 3% 3 3%
Travel 0.5% 1% 1.5% Up to 3% 4
Restaurants Up to 2% 5 Up to 2% 6 Up to 2% 7 4%
Entertainment 2% 2% 2% 4%
Alternative transportation 2% 2% 2% 4%
Pre-authorized payments Up to 2% 5 Up to 2% 6 1.5% 1.75%
All other purchases 0.5% 1% 1.5% 1.75%
Purchase categories that earn you BONUS­DOLLARS
  • Groceries (such as supermarkets and fine food stores)
  • Travel (such as plane tickets and accom­modations)
  • Restaurants (including fast food restaurants)
  • Entertainment (such as shows, movies and attractions)
  • Alternative transportation (such as buses, commuter trains, taxis, metros and public charging stations for electric vehicles)
  • Pre-authorized payments (such as monthly subscriptions)
  • All other purchases

The percentage you get depends on where you make your purchase—not what you buy. Visa and Mastercard assign each merchant a category code, and that's what determines the purchase category and the percentage. 8 .

Annual cap

You earn BONUSDOLLARS at the rate of the All other purchases category once you reach a maximum purchase amount in certain categories.

  • Bonus Visa:  $3,600 maximum for the Restaurants 5 and Pre-authorized payments 5 categories.
  • Odyssey Gold Visa:  $6,000 maximum for the Restaurants 6 and Pre-authorized payments 6 categories.
  • Odyssey World Elite Mastercard:  $10,000 maximum for the Groceries 3 category and $6,000 maximum for the Restaurants 7 category.
  • Odyssey Visa Infinite Privilege:  $25,000 maximum for the Travel 4 category.
Example of how BONUS­­DOLLARS are calculated

If you have an Odyssey Gold Visa and spend $145 on restaurants, you earn 2.9 BONUSDOLLARS (2% of your purchase, meaning $145 x 2%).

Tips on how to earn more BONUS­DOLLARS

  • If you're able to pay off your monthly balance, you can use your credit card to pay for everyday expenses, such as groceries and gas.

  • Set up pre-authorized payments on your card with your service providers, like your subscriptions, insurance or phone bill.

  • Add your spouse as a joint account owner to consolidate your purchases on a single card.

Transactions that don't earn you BONUS­DOLLARS

  • Cash advances
  • Accord D financing
  • Payment of interest
  • Purchase of foreign currencies
  • Electronic fund transfers
  • Money orders
  • Purchases made at a casino

FAQ

I have a cash back card and want to switch to one with BONUS­DOLLARS rewards. What's going to happen to my cash back balance?

The full cash back balance can be transferred and converted to BONUSDOLLARS. You get 1 BONUSDOLLAR for each cash back dollar. For example, if you have $20 in cash back, you get 20 BONUSDOLLARS.

Your cash back balance can also be used as credit on credit cards that don't offer the BONUSDOLLARS Rewards Program.

 Can I use my BONUS­DOLLARS to pay my Visa or Mastercard balance?

You can use your BONUSDOLLARS to pay all or part of your balance only if you have the Odyssey Visa Infinite Privilege card. This is the only card with the rewards program to offer the option.

However, you can use your BONUSDOLLARS to pay for certain credit card purchases that fall under these categories: travel, alternative transportation, entertainment, restaurants and donations. When you redeem your BONUSDOLLARS on AccèsD, select Eligible transactions.

 How can I get my BONUS­DOLLARS balance?

Log in to AccèsD and select your credit card. Your BONUSDOLLARS balance is at the top of the page. Select it to see more details.

You can also get your balance by calling 1-800-363-3380 Phone number of card services customer service for Canada and the US. This link opens your phone app..

 What happens to my BONUS­DOLLARS balance if I return an item I bought?

If you return an item, we'll deduct the BONUSDOLLARS you earned for that purchase from your BONUSDOLLARS balance. The number of BONUSDOLLARS deducted depends on the amount reimbursed and the percentage assigned to the merchant category.

 Can I give a gift card ordered from the BONUS­DOLLARS catalogue to someone else?

Yes. Once you receive your gift card, you can send the gift card to an address or email other than yours, depending on the type of card chosen.

 I'm having trouble redeeming my BONUS­DOLLARS on AccèsD. Can I do it by phone?

Yes, you can redeem your BONUSDOLLARS by phone if you're not able to do it on AccèsD.

For gift cards

Monday to Friday: 8 AM to 9 PM (Eastern Time)

Saturday: 8 AM to 5 PM (Eastern Time)

1-888-552-6643 Phone number to redeem BONUSDOLLARS for gift cards. This link opens your phone app.

For financial products or to pay off purchases

Monday to Friday: 7 AM to 8 PM (Eastern Time)

Saturday and Sunday: 8:30 AM to 5 PM (Eastern Time)

1-800-363-3380 Phone number of the card services customer service for Canada and the US. This link opens your phone app.
See all credit card questions
BONUSDOLLARS ® is a registered trademark of the Fédération des caisses Desjardins du Québec. Odyssey ® is a registered trademark of the Fédération des caisses Desjardins du Québec. Mastercard ® and World Elite ® are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. * Trademark of Visa International Service Association and used under licence. You must be the primary cardholder to redeem your BONUSDOLLARS through the catalogue. A minimum of 20 BONUSDOLLARS is required to make a catalogue exchange. BONUSDOLLARS can be redeemed for eligible products and services within 60 days of buying them. BONUSDOLLARS will be deducted from the accrued balance at the time of redemption. They do not earn additional BONUSDOLLARS. Minimum redemption of 20 BONUSDOLLARS.* The 3% BONUSDOLLARS rate will be applied to the first $10,000 of eligible purchases made on the account in this category between January 1 and December 31 of each year. After that, the BONUSDOLLARS rate for the Other purchases category will apply for the remainder of the current year. The 3% BONUSDOLLARS rate will be applied to the first $25,000 of eligible purchases made on the account in this category between January 1 and December 31 of each year. After that, the BONUSDOLLARS rate for the Other purchases category will apply for the remainder of the current year. The 2% BONUSDOLLARS rate will be applied to the first $3,600 of eligible purchases made on the account in this category between January 1 and December 31 of each year. After that, the BONUSDOLLARS rate for the Other purchases category will apply for the remainder of the current year. The 2% BONUSDOLLARS rate will be applied to the first $6,000 of eligible purchases made on the account in this category between January 1 and December 31 of each year. After that, the BONUSDOLLARS rate for the Other purchases category will apply for the remainder of the current year. The 2% BONUSDOLLARS rate will be applied to the first $6,000 of eligible purchases made on the account in this category between January 1 and December 31 of each year. After that, the BONUSDOLLARS rate for the Other purchases category will apply for the remainder of the current year. To earn the rate in each category, eligible purchases must be made with merchants assigned to that category. Categories are assigned based on merchant category codes (MCC) set by the Visa and Mastercard payment networks. The payment networks assign each merchant to one MCC, even if they offer a variety of products and services. For example, gas stations, grocery stores and drug stores all sell several different products, but all purchases from these merchants—regardless of the type of product—are always categorized under the merchant's MCC. Desjardins doesn't control the merchant categories that Visa and Mastercard set. Depending on the card, earning categories may include: 1) Travel: airlines, airports, car rental companies, hotels/motels and resorts, passenger railways, cruise lines, travel agencies, timeshares, trailer parks and campgrounds, etc. (codes 3000 to 4000, 4112, 4411, 4511, 4582, 4722, 4723, 5962, 7011, 7012, 7033, 7512, 7519); 2) Alternative transportation: commuter passenger transportation (local and suburban), taxis, limousines, buses and public charging stations (codes 4111, 4131, 4121, 4789, 5552); 3) Entertainment: theatrical productions, ticket agencies, bands (concerts), orchestras, tourist attractions and exhibits, movie theatres, amusement parks, carnivals, circuses, zoos, aquariums, etc. (codes 7922, 7929, 7991, 7832, 7996, 7998); 4) Restaurants: restaurants, including fast-food restaurants (codes 5812, 5814); 5) Groceries: grocery stores, supermarkets, butchers, frozen food retailers, fish sellers and bakeries (codes 5411, 5422, 5462). Desjardins cannot guarantee the category set for each merchant or that the merchant you purchase from has the eligible MCC. Desjardins can only award rewards or cash back on eligible purchases based on the merchant's MCC. Rewards and cash back earned are subject to certain conditions.