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Credit card

Visa Corporate

Card to help manage travel expenses for medium and large businesses

Estimated annual spending: Above $750,000 1

Interest rates

Purchases: Prime rate 2 + 5%

Cash advances: Prime rate 2 + 5%

Annual fee

$20 per card

Card controls

Spend controls and credit limits

Benefits of the Visa Corporate card

The Visa* Corporate card is great for medium and large businesses with significant travel and entertainment expenses.

  • Better control over spending and credit limits
  • Waiver of liability of up to $100,000 per card for certain unauthorized transactions made by employee cardholders
  • Integration of data into accounting and enterprise resource planning (ERP) systems
  • Reduced travel expenses for employees
  • Improved liquidity with up to 51 days of cash flow

Flexibility

Online account management

Manage your Visa Corporate card account online on AccèsD Affaires with the Business Account Management service. 3

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. 4

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.

Insurance

Corporate Insurance Program

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

  • Stolen, damaged or late baggage insurance 5

    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 5

  • Common carrier accident insurance 5

    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 6

    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.

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

Additional features and options

  • 21 days to pay off your balance without incurring interest, except on cash advances.
  • 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 free basic management reports. This service helps you manage your business's spending by integrating data into your accounting and enterprise resource planning (ERP) systems.

Fraud protection

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* Trademark of Visa International Service Association and used under licence. 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). 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.