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Credit cards

Our credit cards offer a variety of benefits designed to fit your needs and lifestyle. Discover what they are and choose the card that's right for you.

What type of credit card are you looking for?

Select at least 1 filter to see the credit cards that match your preferences.

Filtres

Find the best credit card for you

Compare credit cards

Compare credit cards

Answer questions to find out which card is right for you

Answer questions to find out which card is right for you

Treat yourself with the BONUS­DOLLARS Rewards Program

Earn BONUSDOLLARS® by paying for your purchases with an eligible credit card. Then redeem them for meals at a restaurant, trips, financial products, gift cards and more!

Do you often travel to the US or live there part of the year?

You might be interested in the U.S. Visa credit card. You can make US dollar transactions without having to worry about conversion fees.

Manage your credit card account online

Use AccèsD to manage your credit card account anytime, anywhere.

  • View your statement
  • Pay your credit card bill
  • Lock or replace a card
  • See your BONUSDOLLARS or cash back balance

Download the Desjardins mobile services app

Lost or stolen card?

Before calling us, you can log in to AccèsD and use the Lock card feature to temporarily lock your card and prevent fraudulent transactions.

Fraud protection

FAQ

How do I make a payment on my Desjardins credit card?

You can make a payment on your credit card online or on the phone.

On AccèsD

  1. Log in to AccèsD.
  2. Under Cards, loans and credit or under Accounts in the Quick access section of the mobile app, select the credit card in question.
  3. When you log in using a web browser, select Pay card. If you use the app, select Pay.
  4. Follow the instructions.

By phone

How do I activate my new Desjardins credit card?

To activate your card, make a purchase or take out a cash advance at a payment terminal. Use the same personal identification number (  pin) as your old card.

To activate your new card without using a payment terminal (online purchase, contactless payment or preauthorized payment) or if you're using a Desjardins credit card for the first time, call us at 514-397-1580  Phone number of the card services customer service for the Montreal area. This link will launch your default phone software. or at 1-888-389-7823  Phone number to activate your credit card in Canada or the US. This link will launch your default phone software..

How do I change the address for my Desjardins credit card account?

You can change your address for your credit card account online or by phone.

On AccèsD

You need to use your web browser to update your address online. This feature isn't available in the mobile app.

  1. Log in to AccèsD.
  2. Under Cards, loans and credit, select the credit card in question.
  3. Select Manage card, then Manage account.
  4. Under Account management, select Change your address.
  5. Make a change of address for your credit card account.

If you change the address for your credit card account on AccèsD, the address for your account at the caisse or credit union won't be changed. To update the address for your account, go to your caisse or credit union, or call us at 1-800-224-7737.

By phone

How can I increase my credit limit?

To increase this limit, you have to apply for a credit limit increase on AccèsD.

On AccèsD

You need to use your web browser to apply online. This feature will soon be available in the app.

  1. Log in to AccèsD.
  2. Under Cards, loans and credit, select the credit card in question.
  3. Select Manage card, then Manage account.
  4. Under Account management, select Increase credit limit.
  5. Follow the instructions.

By phone

How can I cancel my credit card?

You can cancel your credit card if you don't want to use it anymore. However, cancelling your credit card doesn't erase:

  • The balance due
  • Any outstanding payments on an Accord D financing plan
  • Any payments left on the pay in installments option
  • Transactions authorized before the cancellation
  • Pre-authorized payment arrangements (memberships, bill payments, etc.)

To close your credit card account, call us at 514-397-4415  Phone number of the card services customer service for the Montreal area. This link will launch your default phone software. or at 1-800-363-3380  Phone number of the card services customer service for Canada and the US. This link will launch your default phone software. Keep in mind that you'll have to pay off your balance in full even if you cancel your card.

How do I dispute a credit card charge?

Disputing a charge is a process that allows you to request a refund on an unauthorized transaction or on one where the terms and conditions established with the merchant weren't fulfilled. Before disputing a charge, make sure it's not a preauthorization at a gas station or a transaction that's authorized but not posted.

Follow these steps to dispute a charge:

  1. Make a good-faith effort to resolve the issue with the merchant.
  2. Contact Desjardins customer service to open your file.
  3. Wait for the dispute settlement.

Learn more about disputing a credit card charge

If you suspect a fraud, contact us immediately at 1-800-224-7737  This link will launch your default phone software..

Learn more about refunds in the event of fraud

Contact us

By phone

Monday to Friday: 7 AM to 11 PM (Eastern Time)
Saturday and Sunday: 8:30 AM to 8 PM (Eastern Time)

The annual fee and fixed annual interest rate are subject to change with 30 days' notice. * Trademark of Visa International Service Association and used under licence. Mastercard ® and World Elite ® are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Odyssey ® is a registered trademark of the Fédération des caisses Desjardins du Québec. BONUSDOLLARS ® is a registered trademark of the Fédération des caisses Desjardins du Québec. If you don't pay the minimum payment by the due date, your annual interest rate will increase to 19.9% until we receive your payment. You have 25 days from the date the monthly statement is issued to pay the full balance on your account without interest, except on cash advances. The minimum payment is 5% of the following: your outstanding balance, interest on purchases and monthly installments that were not paid by the due date for the previous period, regular purchases and cash advances from the current statement period, plus interest on cash advances. This amount will also include any other amounts due under your credit card contract. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 10.9% and your average daily outstanding balance is $100, you'd be charged $0.90 in interest. If it's $500, you'd be charged $4.48 in interest, and if it's $1,000 you'd be charged $8.96 in interest. You have 21 days from the date the monthly statement is issued to pay the full balance on your account without interest, except on cash advances. The minimum payment is 5% of the following: your outstanding balance, interest on purchases, monthly installments that were not paid by the due date for the previous period, regular purchases and cash advances from the current statement period, plus interest on cash advances. This amount will also include any other amounts due under your credit card contract. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 19.9% and your average daily outstanding balance is $100, you'd be charged $1.64 in interest. If it's $500, you'd be charged $8.18 in interest, and if it's $1,000 you'd be charged $16.36 in interest. Cash back is calculated as a percentage of the purchases made with the card. Merchandise returns, cash advances, equal payment cash advances, RRSP cash advances, promotional and regular cheques, in-store Accord D financing, interest charges, purchases of foreign currency, electronic funds transfers, money orders and any type of purchase made in a casino do not earn cash back. BONUSDOLLARS are calculated as a percentage of the purchases made with the card. Merchandise returns, cash advances, equal payment cash advances, RRSP cash advances, promotional and regular cheques, in-store Accord D financing, interest charges, purchases of foreign currency, electronic funds transfers, money orders and any type of purchase made in a casino do not earn BONUSDOLLARS. You have 21 days from the date the monthly statement is issued to pay the full balance on your account without interest, except on cash advances. The minimum payment is 5% of the following: your outstanding balance, interest on purchases and monthly installments that were not paid by the due date for the previous period, regular purchases and cash advances from the current statement period, plus interest on cash advances. This amount will also include any other amounts due under your credit card contract. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 10.9% and your average daily outstanding balance is $100, you'd be charged $0.90 in interest. If it's $500, you'd be charged $4.48 in interest, and if it's $1,000 you'd be charged $8.96 in interest.