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Credit card

Visa Business card

Low-interest credit card for small businesses and microbusinesses

Not a member yet? Use this application form.

Interest rate

Prime rate 1 + 8.5%

Cash back

Up to 1% of your purchases 2

Annual fee

Promotional offer: No annual fee for 1 year 3

Then $60 per card, or $40 per card if 5 cards or more 

Promotional offer

Visa Business card: No annual fee for 1 year

For a limited time, sign up for the Visa Business card and pay no annual fee for the first year. 3 Applies for the primary card and any additional cards.

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 $500,000 in annual purchases with your card. 2

Benefits of the Visa* Business card

Flexibility

Online account management

Manage your Visa Business card 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 for your card
  • Change your address and phone number
  • Add, cancel or replace a card
  • Apply for a second credit limit (Accord D Business financing) or an increase of this limit

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. 6

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.

Learn more about Accord D Business financing

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®.

Hertz
  • Up to 25% off the base rate 7
  • No fee for underage drivers 8
  • No fee for additional drivers 9
  • 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 8

Contact Hertz at 1-800-654-3131  Toll-free phone number for Hertz customer service. This link will launch your default phone software. .

Learn more about the Hertz discount External link.
Thrifty and Dollar
  • Up to 10% off the base rate 7
  • No fee for underage drivers 8
  • No fee for additional drivers 9

Contact Thrifty at 1-800-847-4389 Toll-free phone number for Thrifty customer service. This link will launch your default phone software..

Visit the Thrifty site External link.

Contact Dollar at 1-800-800-4000 Toll-free phone number for Dollar customer service. This link will launch your default phone software..

Visit the Dollar site External link.

Mobile device and purchase protection

Mobile device insurance

Get up to $1,000 to cover the loss, theft, accidental damage or mechanical failure of mobile devices purchased with this card. 10

2 ways to get this coverage
  • Use your credit card to pay for your mobile device.
  • Use your credit card to pay any upfront costs and all monthly wireless bill payments if funding the cost through a wireless plan.
Information and claims

Canada and the US:
1-888-409-4442 Phone number for mobile device insurance information and claims in Canada or the US. This link opens your phone app.

Other countries (collect call):
613-634-4993 Phone number for mobile device insurance information and claims. This link opens your phone app.

Make a claim for mobile device insurance. External link.
Learn more about this coverage

The Product Summary outlines your insurance coverage. Review the Certificate of Insurance for your card to learn about all the terms and conditions of your coverage and how you can benefit.

See the Product Summary (PDF, 182 KB)
See the Certificate of Insurance (PDF, 156 KB)

Purchase protection and extended warranty

Purchase protection and the extended warranty provide better protection for eligible items you purchase with your credit card. 10

Purchase protection

Purchase protection covers eligible items purchased with your card in the event of loss or damage for 90 days from the purchase date. 10

Read the Certificate of Insurance to learn all about this coverage.

Extended warranty

An extended warranty automatically doubles the original manufacturer's warranty for up to 1 additional year on most items purchased with your card. 10

Read the Certificate of Insurance to learn all about this coverage.

Information and claims

Canada and the US:
1-888-409-4442 Phone number to get information about purchase protection and extended warranty or to make a claim in Canada or the US. This link opens your phone app.

Other countries (collect call):
613-634-4993 Phone number to get information about purchase protection and extended warranty or to make a claim. This link opens your phone app.

Make a claim for purchase protection or extended warranty. External link. External link.
Learn more about purchase protection and the extended warranty

The Product Summary outlines your insurance coverage. Review the Certificate of Insurance for your card to learn about all the terms and conditions of your coverage and how you can benefit.

See the Product Summary (PDF, 182 KB)
See the Certificate of Insurance (PDF, 156 KB)

Additional features and options

  • No annual fee for additional cards for Desjardins members.
  • 21 days to pay off your balance without incurring interest, except on cash advances.
  • 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).
  • Visa SavingsEdge* program External link.: Sign up for free to automatically turn your business purchases into savings with discounts of up to 25% at participating merchants. 11
  • 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.

Fraud protection

Apply for the Visa Business card

Online

Not a member yet? Use this application form.

More financing options

Visa Business card

Low-interest credit card for small businesses and microbusinesses
Learn more about Visa Business card

Visa Business Advantage

Card for small and medium-sized businesses
Learn more about Visa Business Advantage card
See all our business credit cards

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. 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 $500,000 for Visa Business 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 $4,880. 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. Limited-time offer. This annual fee waiver offer may change or be revoked at any time at Desjardins's discretion. After the first year, an annual fee of $60 per card (or $40 per card if the business has 5 or more cards) applies. 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. Subject to credit approval by the Fédération des caisses Desjardins du Québec. Credit limit of up to $100,000 for Accord D Business financing or the Business Freedom Solutions Line of Credit, or a combination of the two. 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. Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant ®. Assurant ® is a registered trademark of Assurant Inc. Details of your insurance coverage, including definitions, benefits, limitations, and exclusions, are in the Certificate of Insurance provided with your card.
Cashback provided as a statement credit on a future statement. Transaction must be processed through Visa.