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

Exclusive Member Advantages

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 + 8.5%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"

  • 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

  • For small and medium-sized businesses. Some conditions apply.
  • Excellent payment tool for businesses with numerous suppliers and that want to control spending.
  • 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

  • Interest: Prime rate + 5%1 (regardless of how many cards)
  • Annual fee: $20/card
  • Corporate Insurance Program: comprehensive travel insurance coverage at no extra charge

Learn more - Corporate card

  • Annual interest rate: Prime rate + 3.5% to 8.0%1
  • Monthly fees: $17 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

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

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 rate1 + 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

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 in the Financing and credit cards section of the AccèsD Affaires overview page. Click Options to the right of a card or AccordD financing plan, then Manage credit cards to make changes to your account.

  • 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 monthly fee, to Business, Business Advantage and Corporate card holders, as well as to Business Freedom Solutions users.

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
  • Common Carrier Accident Insurance
  • Disability insurance
  • Accidental death or dismemberment insurance

Desjardins can help, should you encounter the unexpected while you're away. This bilingual travel assistance and information service helps you deal with medical, legal or other emergencies and is available 24/7, both before and during your trip.

Use it to:

  • replace your plane tickets or your lost or stolen cards
  • find legal or medical help
  • get the services of an interpreter or translator

Information about your next business travel destination is just a phone call away.

Use this exclusive service to find out about:

  • entertainment and events
  • nearby services (hotels, golf courses, flower deliveries for suppliers, etc)
  • local customs

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

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.

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

Get purchase protection against fraud when you shop online at a participating merchant.

Visa Consumer Authentication Service (VCAS) is a verification service that evaluates the likelihood that the transaction wasn't made by you, automatically and without your intervention.

In rare cases that require you to confirm some information, you'll be asked to call Desjardins Card Services' Customer Service at the number on the back of your card to approve the legitimacy of the transaction.

Once approved, you'll be able to go back to the merchant site to complete your transaction.

Make sure that participating merchants have the most up-to-date credit card account information.

A new service is being offered by Visa where participating merchants who have been authorized to withdraw recurring payments (e.g., newspaper subscriptions, telecommunications) receive automatic updates when your credit card number and expiry date change.

Not all merchants are enrolled in VAU. The next time your card is updated, contact the merchants you do business with to see if they do. If they don't, just provide them with your new credit card information.

You're automatically signed up for this service. If you'd like to opt out, please call us at the customer service line on the back of your card.

Exclusive Advantage For Members

Additional card at no annual fee

If you're a Visa Desjardins Business or Visa Desjardins Business Advantage cardholder, you pay no annual fee for additional cards.

Additional Business cards are not free with the Business Freedom Solutions package.

See all member advantages for businesses - Financial products and services.

Forms

*Visa/Fédération des caisses Desjardins du Québec, licenced user.

® Hertz is a registered trademark of 2018 Hertz System, Inc., used under licence. © 2018 Hertz System, Inc.

® Dollar and Thrifty are registered trademarks of DTG Operations, Inc., used under licence. © 2018 DTG Operations, Inc.

  1. Fédération des caisses Desjardins du Québec annual prime rate (the Desjardins prime rate).
  2. 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.
  3. Your variable credit contract gives you the definition of a non authorized transaction.
  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.
  5. Discount applies to base rate (time and mileage charges) only. Taxes, tax reimbursements, fees, surcharges and optional service charges, such as refueling are excluded. CDP ID # must be used at time of reservation. 24-hour advance reservation is required. This offer is redeemable at participating Hertz Car Rental locations in Canada the USA, Europe, the Middle East and Africa (EMEA). Blackout periods may apply. Offer may not be combined with any other offer, promotion, certificate, voucher or other discount. Vehicles are subject to availability at the time of reservation and pick-up, which may vary by time and location. Rate subject to increase or additional fees may apply in the event reservation is modified, early/late vehicle pick-up or return or if vehicle is not returned to the originating rental location. Car class exclusions apply. Offer has no cash value and may not be used with special rates such as Pre-Pay, Tour, Insurance Replacement or Hourly Rental Rates. Age, driver, credit and qualifying rate restrictions for the renting location apply. Discounts applied in local currency at time of payment.
  6. Discount applies to pay later "pay at counter" base rate (time and mileage charges) only. Taxes, tax reimbursements, fees, surcharges and optional service charges, such as refueling are excluded. CDP ID # must be used at time of reservation. 24-hour advance reservation is required. This offer is redeemable at participating Dollar Car Rental locations in Canada and the USA. Blackout periods may apply. Offer is not valid in conjunction with Lock Low and Go reservations. Offer may not be combined with any other offer, promotion, certificate, voucher or other discount. Vehicles are subject to availability at the time of reservation and pick-up, which may vary by time and location. Rate subject to increase or additional fees may apply in the event reservation is modified, early/late vehicle pick-up or return or if vehicle is not returned to the originating rental location. Car class exclusions apply. All car classes or particular models within a car class may not be available at each location. Offer has no cash value and may not be used with special rates such as Pre-Pay, Tour, Insurance Replacement or Hourly Rental Rates. Age, driver, credit and qualifying rate restrictions for the renting location apply. Discounts applied in local currency at time of payment.
  7. Discount applies to pay later "pay at counter" base rate (time and mileage charges) only. Taxes, tax reimbursements, fees, surcharges and optional service charges, such as refueling are excluded. CDP ID # must be used at time of reservation. 24-hour advance reservation is required. This offer is redeemable at participating Thrifty locations in Canada and the USA. Blackout periods may apply. Offer is not valid in conjunction with Wild Card reservations. Offer may not be combined with any other offer, promotion, certificate, voucher or other discount. Vehicles are subject to availability at the time of reservation and pick-up, which may vary by time and location. Rate subject to increase or additional fees may apply in the event reservation is modified, early/late vehicle pick-up or return or if vehicle is not returned to the originating rental location. Car class exclusions apply. All car classes or particular models within a car class may not be available at each location. Offer has no cash value and may not be used with special rates such as Pre-Pay, Tour, Insurance Replacement or Hourly Rental Rates. Age, driver, credit and qualifying rate restrictions for the renting location apply. Discounts applied in local currency at time of payment.
  8. With the exception of criminal law, tax law and any matters not covered under Canadian legislation.