Low interest rate cards

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

All cards include Accord D Desjardins financing and allow you to get cash advances.

Card name	Description
Modulo GOLD The lowest interest rate in the country	Interest rate: 9.9% Annual fees: $50 Rewards program: 1% of purchases in BONUSDOLLARS Find out more about the Modulo GOLD card. VISA Desjardins Modulo GOLD card application	Compare
FOR STUDENTS ONLY A great way to build credit!	Interest rate: 19.4% Optional low interest rate: 11.8% ($30/year) Annual fee: none My Look personalization service Choice of 2 non-personalized, limited edition designs Cell Phone Insurance À la carte Ticket Service 3-Day Travel Insurance at no charge PayWave contactless payment technology Payment Reminder Find out more about the FOR STUDENTS ONLY card. VISA Desjardins FOR STUDENTS ONLY card application	Compare
Classic The indispensable!	Interest rate: 19.4% Optional low interest rate: 11.8% ($30 a year) Annual fees: none 3-Day Travel Insurance at no charge Optional rewards program: 1% of purchases in BONUSDOLLARS ($30 a year) Find out more about the Classic card. VISA Desjardins Classic card application	Compare
Elegance GOLD NO-FEE Prestige	Interest rate: 19.9% Optional low interest rate: 12.8% ($30 a year) Annual fees: none Rewards program: 0.5% of purchases in BONUSDOLLARS, free (optional: 1% of purchases in BONUSDOLLARS for $30 a year) 3-Day Travel Insurance at no charge Find out more about the Elegance GOLD card. VISA Desjardins Elegance GOLD card application	Compare
Odyssey GOLD All-inclusive travel insurance	Interest rate: 19.4% Optional low interest rate: 11.8% ($30 a year) Annual fee: $110 ($90 for cardholders age 76 and over) Rewards program: up to 2% of purchases in BONUSDOLLARS The most comprehensive travel insurance on the market Find out more about the Odyssey GOLD card. VISA Desjardins Odyssey GOLD card application	Compare
Platinum By invitation only	Interest rate: 9.9% Annual fee: $169 Comprehensive travel insurance Rewards program: up to 2% of purchases in BONUSDOLLARS Annual cashback rewards program Find out more about the Platinum card.	By invitation only

You can also download the card comparison chart (PDF, 304 KB).

Low interest rate cards

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