BONUSDOLLARS Rewards Program
Earn BONUSDOLLARS® by making purchases with an eligible credit card. Then, redeem them for meals at a restaurant, concert tickets, gift cards and more.
Earn BONUSDOLLARS
You earn BONUSDOLLARS by paying with your credit card. The number of BONUSDOLLARS you earn is equivalent to a percentage of your purchase. This percentage varies depending on which card you use and the purchase category.
Percentage of your purchases in BONUSDOLLARS
| Bonus Visa* |
Odyssey® Gold Visa* |
Odyssey® World Elite® Mastercard® |
Odyssey® Visa Infinite Privilege* |
|
|---|---|---|---|---|
| Groceries | 0.5% | 1% | 3% | 3% |
| Travel | 0.5% | 1% | 1.5% | 3% |
| Restaurants | 2% | 2% | 2% | 4% |
| Entertainment | 2% | 2% | 2% | 4% |
| Alternative transportation | 2% | 2% | 2% | 4% |
| Pre-authorized payments | 2% | 2% | 1.5% | 1.75% |
| All other purchases | 0.5% | 1% | 1.5% | 1.75% |
Example of how BONUSDOLLARS are calculated
If you have an Odyssey Gold Visa and spend $145 on restaurants, you earn 2.9 BONUSDOLLARS (2% of your purchase, meaning $145 x 2%).
- Groceries (supermarkets, convenience stores, fine food stores, etc.)
- Travel (plane tickets, accommodations, etc.)
- Restaurants (including fast food restaurants)
- Entertainment (shows, movies, attractions, etc.)
- Alternative transportation (buses, commuter trains, taxis, metro or subway, electric vehicles, etc.)
- Pre-authorized payments (for example, monthly subscriptions)
- All other purchases
The percentage you get depends on where you make your purchase—not what you buy. Visa and Mastercard assign each merchant a category code, and that's what determines the purchase category and the percentage.1
Tips on how to earn more BONUSDOLLARS
Use your credit card to pay for everyday expenses, such as groceries and gas. Just make sure you can pay off your monthly balance.
Set up pre-authorized payments on your card, with your service providers: subscriptions, insurance, phone, etc.
Add your spouse as joint account owner to consolidate your purchases on a single card.
Good to know
Some transactions don't earn you BONUSDOLLARS.
- Cash advances
- Accord D financing
- Installment payments
- Payment of interest
- Purchase of foreign currencies
- Electronic fund transfers
- Money orders
- Purchases made at a casino
Redeem your BONUSDOLLARS
You can redeem your BONUSDOLLARS to pay off certain purchases made with your card, invest in savings products, pay your insurance premium or get a gift card from the BONUSDOLLARS catalogue.
1 BONUSDOLLARS earned = $1 you can redeem
For example, a balance of 250 BONUSDOLLARS equals $250 you can redeem. You must redeem a minimum of 20 BONUSDOLLARS.
Pay off certain credit card purchases
You can use your BONUSDOLLARS balance to pay off certain credit card purchases if you do so within 60 days of your purchase, even if you've already paid off your account balance.2 Purchases must fall under one of the following categories
Eligible categories
Restaurants
Treat yourself by ordering in from your favourite restaurant knowing that you can pay it off later using your BONUSDOLLARS balance.
Entertainment
Want to go to a concert or visit a museum? Pay for the tickets with your credit card, and use your BONUSDOLLARS balance to pay off your purchase afterwards.
Travel
Pay part or all of your travel-related expenses with your credit card, and then redeem your BONUSDOLLARS at a later time to pay for your purchase.
No restrictions on destination, period, type of accommodation (bed and breakfast, inn, hotel, etc.) or mode of transportation (plane, train, bus, etc.).
Alternative transportation
Pay for charging your electric vehicle or for public transportation (commuter train, bus, metro or subway, and taxis) with your card, and then redeem your BONUSDOLLARS.
Donation to an organization
Support your favourite cause by making a donation with your card to a non-profit organization. Then, use your BONUSDOLLARS balance to cover the amount.
Choose rewards or gift cards in the BONUSDOLLARS catalogue
Choose from a wide range of rewards or gift cards from your favourite brands to treat yourself or someone else.
Redeem them for Desjardins financial products or services
Pay part or all of your insurance premiums, invest in savings products or make a capital payment on a loan with your BONUSDOLLARS.
Insurance
- Savings-life insurance and loan insurance
- Home and auto insurance
- Travel Insurance and Accirance (accident insurance)
Savings
- Savings products obtained at a caisse or credit union, or on AccèsD: term deposits, market-linked guaranteed investments, Desjardins Funds, including RRSPs, RESPs and TFSAs
- RRSPs, RESPs or TFSAs obtained through Desjardins Securities or Desjardins Online Brokerage
- Capital régional et coopératif Desjardins (in Quebec only)
Financing
- Car loans
- Personal loans
- Mortgages
Service fees
- Desjardins Securities or Desjardins Online Brokerage user fees
Desjardins Private Wealth Management
- Specialized financial planning services
- Portfolio management
- Trust services
What you can't get
You can't redeem your BONUSDOLLARS:
- To get cash back
- To make payments on an installment plan
- To pay your card's annual fees
- To pay your card's balance, unless it's for the Odyssey Visa Infinite Privilege
How to redeem your BONUSDOLLARS
On AccèsD
- Log in to AccèsD.
- Choose the card with BONUSDOLLARS you want to use.
- At the top of the page, select BONUSDOLLARS.
- Select Redeem BONUSDOLLARS.
- Select a category: Eligible transactions, Financial products and services or Rewards and gift cards.
- Follow the steps to redeem your BONUSDOLLARS.
By phone
For gift cards
Monday to Friday: 8:30 AM to 9 PM (Eastern Time)
Saturday and Sunday: 8 AM to 5 PM (Eastern Time)
For other products or questions about BONUSDOLLARS
Monday to Friday: 7 AM to 11 PM (Eastern Time)
Saturday and Sunday: 8:30 AM to 8 PM (Eastern Time)
At the caisse or credit union
FAQ
The full cash back balance can be transferred and converted to BONUSDOLLARS. You get 1 BONUSDOLLAR for each cash back dollar. For example, if you have $20 in cash back, you get 20 BONUSDOLLARS.
Your cash back balance can also be used as credit on credit cards that don't offer the BONUSDOLLARS Rewards Program.
You can use your BONUSDOLLARS to pay all or part of your balance only if you have the Odyssey Visa Infinite Privilege card. This is the only card with the rewards program to offer the option.
However, you can use your BONUSDOLLARS to pay for certain credit card purchases that fall under these categories: travel, alternative transportation, entertainment, restaurants and donations. When you redeem your BONUSDOLLARS on AccèsD, select Eligible transactions.
Log in to AccèsD and select your credit card. Your BONUSDOLLARS balance is at the top of the page. Select it to see more details.
You can also get your balance by calling 1 800 363-3380.
If you return an item, we'll deduct the BONUSDOLLARS you earned for that purchase from your BONUSDOLLARS balance. The number of BONUSDOLLARS deducted depends on the amount reimbursed and the percentage assigned to the merchant category.
Yes. Once you receive your gift card, you can send the gift card to an address or email other than yours, depending on the type of card chosen.
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)