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Credit card

Bonus Visa

No annual fee credit card with rewards

Interest rate

19.9%

Annual fee

None1

Rewards program

Up to 2% of your purchases in BONUS­DOLLARS2

Travel insurance

For trips up to 3 days

Get up to 2% of your purchases in rewards

The percentage you get depends on the purchase category.2

Restaurants

2%
of your purchases

Entertainment

2%
of your purchases

Alternative transportation

2%
of your purchases

Pre-authorized payments

2%
of your purchases

Other purchases

0.5%
of your purchases

Example

If you spend $200 a month on restaurants, you earn 4 BONUSDOLLARS® every month ($200 x 2% of your purchases). That's a total of 48 BONUSDOLLARS a year for that category. You can then redeem your BONUSDOLLARS for gift cards or other products and services.

1 BONUSDOLLARS earned = $1 you can redeem

Ready to apply?

Benefits of the Bonus Visa*

Travel

Travel insurance for trips up to 3 days

Get free travel insurance for you and your family3 for trips of up to 3 days.

What's included
  • Emergency healthcare coverage: up to $5 million per person.4
  • Trip cancellation coverage: up to $500 per person if the trip is cancelled before departure and up to $1,000 per person if the trip is cancelled after departure. You need to pay for your ticket with your credit card to get this coverage.
  • Baggage coverage: up to $500 per person if your baggage is lost or damaged by a common carrier, delayed for more than 6 hours or stolen.
  • Travel assistance: 24/7, anywhere in the world.
Help in case of emergency when travelling
Going away for more than 3 days?

You'll need to extend your insurance so you're covered for the whole trip.

Learn more about this insurance

The summary includes key information on your travel insurance. The insurance policy includes all conditions and exclusions to do with your travel insurance. Pay close attention to the exclusion for injuries or unstable medical conditions.

Car rental

Discounts at Hertz®, Thrifty® and Dollar®

Get up to 15% off and several other advantages when you use your Desjardins credit card to rent a car at Hertz, Thrifty, and Dollar.

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.8

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
Learn more about this coverage

The product summary describes your insurance coverage. Review the insurance certificate for your card to learn about all the terms and conditions of your coverage and how you can benefit.

Purchase protection and extended warranty

Purchase protection and extended warranty provide better protection for the eligible items you purchase with your credit card.8

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.8

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.8

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

Information and claims
Learn more about purchase protection and the extended warranty

The product summary describes your insurance coverage. Review the insurance certificate for your card to learn about all the terms and conditions of your coverage and how you can benefit.

Financing and cash advances

  • Pay for purchases of $200 or more in smaller equal installments at participating merchants.
  • Pay for a project or make a large purchase with Accord D financing.
  • Get cash advances of up to $5,000 a day9 at 19.9% interest.

Good to know

When you take out a cash advance, you're charged interest right away. In contrast, when you make purchases with your credit card, you have an interest-free grace period of 21 days from the date the statement is issued.

Additional features and options

  • No annual fee for additional cards
  • 21-day grace period to pay off your balance without incurring interest, except on cash advances1
  • Overdraft transfer so you can cover transactions that exceed your account balance using an automatic cash advance from your credit card
  • Credit Balance Insurance to help you pay off your credit card if you become critically ill or disabled
  • Mobile payment so you can pay with your Android or Apple device

Fraud protection

Apply for the Bonus Visa

Online

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Flexi Visa*

No annual fee10 credit card with a low interest rate
Learn more about Flexi Visa

Useful information

The annual fee and fixed annual interest rate are subject to change with 30 days' notice. Emergency Health Care, Baggage and Trip Cancellation coverages are underwritten by Desjardins Financial Security Life Assurance Company. An insurance policy specifying all terms and conditions will be provided upon enrolment for the card. If you'll be taking a longer trip, you must take out extended coverage with the same insurer to get your free days of coverage. Some conditions and restrictions apply. BONUSDOLLARS ® is a registered trademark of the Fédération des caisses Desjardins du Québec. * 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. Mastercard ® and World Elite ® are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.
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. 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. Coverage applies to cardholders, their spouse and dependent children. This coverage is offered by Desjardins Financial Security and applies to people ages 75 and under. 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.
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.
Subject to credit approval. Maximum amount depends on your credit limit. Cash advance interest starts to accrue on the transaction date. 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.