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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.


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%).

Purchase categories that earn you BONUSDOLLARS
  • 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
  • Payment of interest
  • Purchase of foreign currencies
  • Electronic fund transfers
  • Money orders
  • Purchases made at a casino


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


Treat yourself by ordering in from your favourite restaurant knowing that you can pay it off later using your BONUS­DOLLARS balance.


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.


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.

Eligible products
  • Savings-life insurance and loan insurance
  • Home and auto insurance
  • Travel Insurance and Accirance (accident insurance)
  • 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)
  • 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

  1. Log in to AccèsD.
  2. Choose the card with BONUSDOLLARS you want to use.
  3. At the top of the page, select BONUSDOLLARS.
  4. Select Redeem BONUSDOLLARS.
  5. Select a category: Eligible transactions, Financial products and services or Rewards and gift cards.
  6. 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)

1-888-552-6643 Phone number of the card services customer service for Canada and the US. This link will launch your default phone software.

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)

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.

At the caisse or credit union


I have a cash back card and want to switch to one with BONUSDOLLARS rewards. What's going to happen to my cash back balance?

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.

Can I use my BONUSDOLLARS to pay my Visa or Mastercard balance?

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.

How can I get my BONUSDOLLARS balance

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.

 Phone number of the card services call centre for Canada and the US. This link will launch your default phone software. 

What happens to my BONUSDOLLARS balance if I return an item I bought?

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.

Can I give a gift card ordered from the BONUSDOLLARS catalogue to someone else?

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)

BONUSDOLLARS ® is a registered trademark of the Fédération des caisses Desjardins du Québec. Odyssey ® is a registered trademark of the Fédération des caisses Desjardins du Québec. Mastercard ® and World Elite ® are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. * Trademark of Visa International Service Association and used under licence. To earn the rate in each category, eligible purchases must be made with merchants assigned to that category. Categories are assigned based on merchant category codes (MCC) set by the Visa and Mastercard payment networks. The payment networks assign each merchant to one MCC, even if they offer a variety of products and services. For example, gas stations, grocery stores and drug stores all sell several different products, but all purchases from these merchants—regardless of the type of product—are always categorized under the merchant's MCC. Desjardins doesn't control the merchant categories that Visa and Mastercard set. Depending on the card, earning categories may include: 1) Travel: airlines, airports, car rental companies, hotels/motels and resorts, passenger railways, cruise lines, travel agencies, timeshares, trailer parks and campgrounds, etc. (codes 3000 to 4000, 4112, 4411, 4511, 4582, 4722, 4723, 5962, 7011, 7012, 7033, 7512, 7519); 2) Alternative transportation: commuter passenger transportation (local and suburban), taxis, limousines, buses and public charging stations (codes 4111, 4131, 4121, 4789, 5552); 3) Entertainment: theatrical productions, ticket agencies, bands (concerts), orchestras, tourist attractions and exhibits, movie theatres, amusement parks, carnivals, circuses, zoos, aquariums, sporting events, etc. (codes 7922, 7929, 7991, 7832, 7996, 7998, 7941); 4) Restaurants: restaurants, including fast-food restaurants (codes 5812, 5814); 5) Groceries: grocery stores, supermarkets, butchers, frozen food retailers, fish sellers, bakeries, convenience stores and miscellaneous food stores (codes 5411, 5422, 5462, 5499). Desjardins cannot guarantee the category set for each merchant or that the merchant you purchase from has the eligible MCC. Desjardins can only award rewards or cash back on eligible purchases based on the merchant's MCC. Rewards and cash back earned are subject to certain conditions. BONUSDOLLARS can be redeemed for eligible products and services within 60 days of buying them. BONUSDOLLARS will be deducted from the accrued balance at the time of redemption. They do not earn additional BONUSDOLLARS. Minimum redemption of 20 BONUSDOLLARS.*