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Credit card

Visa Business Advantage

Card for small and medium-sized businesses

Estimated annual spending: Between $500,000 and $750,000 1

Interest rate

Prime rate 2 + 8.5%

Cash back

Up to 1% of your purchases 3

Annual fee

$25 per card

Get up to 1% cash back on purchases

With the Business Savings Program, you'll get 1% cash back on every purchase when you make between $12,000 and $750,000 in annual purchases with your card. 3

Benefits of the Visa* Business Advantage card


Online account management

Manage your Visa Business Advantage card account online on AccèsD Affaires with the Business Account Management service. 4

You can make the following changes to your credit card account online:

  • Request to change your credit limit
  • Change your address or phone number
  • Add, cancel or replace a card
  • Set card controls (such as daily limits and transaction limits)
  • View manager activity reports

Different payment options

There are 2 options for paying your credit card balance. Choose the one that works best for your business. 5

Centralized payments

Make a single payment each month to your business's main Desjardins credit card account (master account). This single payment will pay off your card and all other cards associated with your master account at the same time. 

Decentralized payments 

Pay the balance of each card associated with your master account separately. This frees up each card's credit limit as soon as the payment is processed.

Second credit limit

With Accord D Business financing, you can get a second credit limit for your card of up to $100,000. 1

You can repay it in equal monthly installments with a term of 1 to 7 years depending on the financing amount. You can also repay the balance in full or in part at any time without penalty.


Corporate Insurance Program

This program provides certain types of travel insurance at no extra cost.

  • Stolen, damaged or late baggage insurance 6

    This insurance covers losses due to theft or physical damage of your luggage and belongings and those of your spouse or children if they're travelling with you.

  • Delayed flight, denied boarding and missed connection insurance 6

  • Common carrier accident insurance 6

    This insurance covers you up to $100,000 for any accident that occurs while you're aboard a common carrier vehicle. Your spouse and children are also covered up to $10,000.

  • Auto rental collision/loss damage insurance 7

    This insurance covers you automatically when you charge the full cost of the vehicle rental to your card and decline the rental agency's collision damage waiver.
Information and claims
Insurance details

The summaries provide general information about the insurance coverages while the certificates provide details of all the conditions and exclusions.

Car rental discounts

Discounts at Hertz, Thrifty and Dollar

Get up to 25% off and several other advantages when you use your Desjardins credit card to rent a car at Hertz®, Thrifty® or Dollar®.

  • Up to 25% off the base rate 8
  • No fee for underage drivers 9
  • No fee for additional drivers 10
  • Free enrollment in the Hertz Gold Plus Rewards® Program with Five Star® Status
  • Up to 20% off a Prestige Collection rental (United States and Europe)
  • Reduced rate for the loss damage waiver 9
Thrifty and Dollar
  • Up to 10% off the base rate 8
  • No fee for underage drivers 9
  • No fee for additional drivers 10

Assistance services

Travel assistance

Rely on Desjardins Travel Assistance if the unexpected arises while you're travelling. Our 24/7 service can provide you with information and assistance for medical, legal and other emergencies, both before and during your trip.

Use this service to:

  • Replace airline tickets or lost or stolen cards
  • Find legal or medical help
  • Get the services of an interpreter or translator

Business concierge

Call the Desjardins Business Concierge service to get help planning business trips and special events such as meetings and conferences.

This exclusive service can assist you with your business event and travel needs, such as:

  • Tickets to entertainment and events
  • Reservations (restaurants, hotels, golf courses, flower delivery and more)
  • Information about local customs

Legal assistance

Free legal assistance is included with your Visa Business Advantage card. This service allows you to consult experienced lawyers about certain legal issues related to your business. 11

You can learn about your rights and obligations on a wide range of business-related topics:

  • Property and real estate
  • Contracts, sales and hidden defects
  • Shareholder agreements
  • Bankruptcy and insolvency
  • Small claims
  • Consumer protection
  • Labour standards and relations
  • Estate planning

You can open a file at any time, day or night. 12

Additional features and options

  • 21 days to pay off your balance without incurring interest, except on cash advances.
  • Card controls to limit and block certain transactions for specific cardholders based on credit limit, number of daily transactions and their amounts, and certain merchant categories and currencies.
  • Optional credit balance insurance to help you pay off your credit card, line of credit or Accord D Business financing if something happens to you (accident or illness).
  • Earn up to 25% in savings at participating merchants with the Visa SavingsEdge* program External link.. 13
  • Visa Account Updater service to help you avoid declined payments due to expired card information. When you get a new card, this service automatically sends your updated card number and expiration date to merchants you have a pre-authorized payment agreement with. Check with these merchants to see if they offer this service.
  • Visa Spend Clarity for Enterprise gives you access to reports and analytic tools for $15 per card. This service helps you manage your business's spending by integrating data into your accounting and enterprise resource planning (ERP) systems.

Fraud protection

Apply for the Visa Business Advantage

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Card with no currency conversion fees for transactions in US dollars14
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Useful information

* Trademark of Visa International Service Association and used under licence. Hertz ® is a registered trademark of 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. Subject to credit approval by the Fédération des caisses Desjardins du Québec. Annual prime rate of the Fédération des caisses Desjardins du Québec (Desjardins prime rate). For each 12-month period following the date the account was opened, when annual company purchases reach $12,000 and up to $750,000 for Visa Business Advantage credit cards, a credit equivalent to 1% of these purchases will be deposited in the company account once a year, the day after the anniversary of the account opening. The maximum cash back per period is $7,380. Cash advances, cheques, interest charges, returned goods, administration, enrollment and renewal fees, fees for optional services, all other fees not related to purchases and cash advances by equal installments are excluded. To be eligible for cash back, your card account must be active on the date scheduled for payment of the cash back. AccèsD Affaires is our secure online platform. Registration is optional. Monthly fees may apply. Centralized payments is the default option. Contact us if you want to change your payment option. Some conditions may apply. The information on this page is not an insurance policy. In the event of discrepancy between this page and the policy, the policy always prevails. The policy is issued by Desjardins Financial Security. The terms and conditions of the coverages described are set out in the attached insurance contracts. Some conditions and exclusions apply. The information on this page is not an insurance policy. In the event of discrepancy between this page and the policy, the policy always prevails. The policy is issued by American Bankers Insurance Company of Florida (ABIC). The terms and conditions of the coverages described are set out in the attached insurance contracts. Some conditions and exclusions apply. Discount applies only to base rate (time and distance travelled). All taxes, tax reimbursement, surcharges and optional service charges, such as refueling, as well as all other charges, are not included. Offer subject to change or termination at any time without notice. Conditions and restrictions apply.
Waived underage fee and reduced loss damage waiver benefits available at participating locations in Canada and the US only. An underage driver is a driver aged 21 to 24. Additional driver must meet standard age, driver and credit qualifications. Some exceptions apply. Excludes all criminal, penal or tax-related matters and any matters not covered by Quebec or Canadian legislation. Callback from a lawyer within 48 hours of the file being opened. Lawyers are available Monday to Friday from 9 AM to 8 PM and Saturday from 9 AM to 5 PM, except for statutory holidays. Discounts will be given in the form of credits and will appear on statements issued 8 to 10 weeks after the purchase date. All conditions and restrictions applicable to the Visa SavingsEdge program are established by Visa Canada Corporation ("Visa"). Visa, not Desjardins, oversees the program. Transactions in currencies other than US dollars will be converted into US dollars. The following fee will apply: 2.5% of the transaction amount, after it has been converted into US dollars. For example, if a Canadian dollar transaction is converted into US$100, you would be charged US$2.50. We apply the exchange rate in effect on the transaction date. This rate is set by the credit card payment network.