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Visa Modulo Gold

The satisfaction of a low rate, the joy of rewarding yourself

Exclusive offer for new cardholders: 2.9% interest rate for the first 6 months. Certain conditions apply.[1]

  • Regular interest rate: 10.9%
  • Annual fee: $50
  • Rewards program: 1% of your purchases in BONUSDOLLARS®
  • 3-Day Travel Insurance at no charge

Enjoy a 2.9% rate for the first 6 months

Limited-time offer for new cardholders.

Details and conditions

Calculate your interest savings over 6 months

YOU'LL SAVE $ over 6 monthsGet this product - Modulo card

YOU'LL SAVE $ over 12 months

Interest rates First 6 months First year
Your current interest charges at $ $
Your interest charges at 2.9% - first 6 months $ $
Your interest charges at 10.9% - following 6 months n/a $
Your savings1 $ $

1. Interest savings are shown for information purposes only and do not take into account monthly compounded interest, payments, additional purchases, annual fees, options or other specific factors.

Card features you'll like the most

Low interest rate

Low interest rate

Enjoy a low fixed annual interest rate on all your purchases and cash advances.

Additional card features

Other features


Exclusive Advantage For Members

Additional card at no annual fee

Additional card for your spouse or other family member at no annual fee2. Available to primary cardholders of Modulo Gold cards. A $10 savings.

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

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

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

1. Some conditions apply. Subject to credit approval by the Fédération des caisses Desjardins du Québec. This promotion is only open to new Desjardins Visa Modulo cardholders; current cardholders of other Desjardins Visa or MasterCard credit cards who convert their card to a Visa Modulo card are not eligible for this promotion. The 2.9% promotional interest rate applies to purchases, balance transfers and cash advances. The promotion runs from October 17 to December 18, 2016, and is open to Canadians who have reached the age of majority in their province or territory of residence and who apply for a card during the promotional period. The rate is valid for a period of six months from the card’s issue date. After this period, the regular 10.9% rate will apply to the Visa Modulo card. If you fail to make the minimum payment required by the due date shown on your account statement, you’ll be charged interest at a rate of 19.9% on any and all unpaid amounts until the minimum payment is received. Only then will the interest rate in effect for that period apply once more.

2. Eligibility requirements: Must have an eligible account. The primary cardholder must be a member of a caisse affiliated with Fédération des caisses Desjardins du Québec or Fédération des caisses populaires de l'Ontario Inc.


Discover the Program


Earn BONUSDOLLARS rewards faster by automating your recurring bill payments (e.g., cellphone, Internet) on your Desjardins credit card. Learn more about recurring bill payments.