Credit cards
Cartes de ceit
- 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.
Visa Business card

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
Business Savings Program: get 1% cash back on your purchases
Visa US Business card

Interest rate: 19.4%
Annual fee: US$30/card
Corporate insurance plan: travel insurance coverage at no extra charge
Visa Business Advantage 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.
Visa Corporate 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
Visa Purchasing card

Interest on cash advances: Prime rate + 5%1
Annual fees: $20/card
Visa Business Freedom Solutions package
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
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
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. Insurance coverage that allows your business to concentrate on what's important: developing your business. Make the most of business opportunities, while Desjardins ensures your security.
Corporate Insurance Program
The Corporate Insurance Program is travel insurance coverage at no extra charge. It's offered free of charge to Business Advantage and Corporate card holders.
This program includes:
- Reimbursement of expenses in case of delayed flight, denied boarding, or missed connection
- Baggage insurance in case of stolen or damaged baggage
- Auto Rental Collision/Loss Damage Insurance
- Common Carrier Accident 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
Hertz offer
Up to 25% off the Base Rate2
Get Hertz offer - External link. This link will open in a new window.
Thrifty offer
Up to 10% off the Base Rate4
Get Thrifty offer - External link. This link will open in a new window.
Dollar offer
Up to 10% off the Base Rate3
Get Dollar offer - External link. This link will open in a new window.
Corporate Legal Assistance offers businesses the possibility of discussing any question of a legal nature6 regarding their business with experienced lawyers.
Legal Assistance
- Available 24/75
- Access to experienced lawyers who will answer legal questions about your business
- Prompt access to legal information6 on business-related topics such as:
- Assets, property and real estate
- Bankruptcy and insolvency
- Consumer protection
- Contracts, sales and latent defects
- Labour and employment
- Shareholder agreements
- Small claims
- Will and estate
- This service is free for Business and Business Advantage card holders, as well as to Business Freedom Solutions package members.
Information security services
- Available 24 hours a day, 7 days a week
- Access to a team of specialists to help your company prevent or manage the consequences of theft or fraudulent use of information in its possession.
- Two service components are offered:
- The Prevention component allows your company to implement measures in order to protect your information and that of your clients
- The Victim component gives you access to a team of experts who can guide your company in the steps to take to reduce the consequences of theft or fraudulent use of information, and to help you and your employees restore your identity
- This service is free for Business and Business Advantage card holders, as well as to Business Freedom Solutions package members.
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
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.
*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.
- Fédération des caisses Desjardins du Québec annual prime rate (the Desjardins prime rate).
- 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.
- Your variable credit contract gives you the definition of a non authorized transaction.
- 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.
- 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.
- 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.
- You can call us 24/7 to explain your situation. A lawyer will call you back within 2 business days. Lawyers are available Monday to Friday from 9 a.m. to 8 p.m., and Saturday from 9 a.m. to 5 p.m., except on holidays.
- With the exception of criminal law, tax law and any matters not covered under Canadian legislation.
- Desjardins Card Services reserves the right to annually review files based on the company's financial statements.
- Subject to credit approval by Desjardins Card Services.