Choose your settings
Choose your language

Credit card

Visa US Business

Eligibility: Must have a Canadian Desjardins business credit card 1

Already have our Visa US Business card? Log in to your account

Interest rates

Purchases: 19.4%

Cash advances: 19.4%

Annual fee

US$30 per card

Currency conversion fee

None 2

Why choose our US dollar card?

The Visa* US Business card lets you:

  • Pay bills from American suppliers in US dollars
  • Pay for your employees' travel expenses in the US
  • Avoid currency conversion fees 2

Benefits of the Visa US Business card

Insurance

Corporate Insurance Program

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

  • Stolen, damaged or late baggage insurance 3

    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 3

  • Common carrier accident insurance 3

    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 4

    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

Flexibility

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.

Additional features and options

  • 21 days to pay off your balance without incurring interest, except on cash advances.. 6
  • Online account management with Desjardins My US Card.
  • 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.
  • You cannot use the Visa US Business card in Cuba due to US economic sanctions on the country.

Fraud protection

Apply for the Visa US Business

By phone

Or we can call you when it's convenient.

More financing options

Visa Business card

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

Visa Business Freedom Solutions

3-in-1 financing package for small businesses and self-employed workers
Learn more about Visa Business Freedom Solutions

Useful information

* Trademark of Visa International Service Association and used under licence. Subject to credit approval by the Fédération des caisses Desjardins du Québec. 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. 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. Centralized payments is the default option. Contact us if you want to change your payment option. Some conditions may apply. You have 21 days from the date your monthly statement is issued to pay the full balance on your account without incurring interest (except on cash advances). The minimum payment due is 5% of the total statement balance. This means the balance shown on your account statement for the previous period, any interest or monthly installments that were not paid on the due date for that period, your regular purchases, any cash advances from the current statement period, plus the interest charged on those cash advances. This amount will also include any other amounts due under your credit card contract. Examples of applicable interest charges: If the regular annual interest rate is 19.40% and your average daily outstanding balance is $100, you'd be charged $1.59 in interest. If your balance was $500, you'd be charged $7.67 in interest, and if it was $1,000, you'd be charged $15.95 in interest.