Interest rate
Interest rate 10.9%1
Interest rate 19.9%
Interest rate 19.9%
Annual fee
Annual fee None2
Annual fee $1303
Annual fee None3
Rewards program
Rewards program Not offered
Rewards program Percentage of your purchases in BONUSDOLLARS4
- Groceries: 3%
- Restaurants: 2%
- Entertainment: 2%
- Alternative transportation: 2%
- Other purchases: 1.5%
Rewards program Not offered
Cash back
Cash back Not offered
Cash back Not offered
Cash back Percentage of cash back on your purchases5
- Restaurants: 2%
- Entertainment: 2%
- Alternative transportation: 2%
- Pre-authorized payments: 2%
- Other purchases: 0.5%
Eligibility
Eligibility N/A
Eligibility Minimum annual income of $80,000 (personal) or $150,000 (household)6
Eligibility N/A
Additional card
Additional card No annual fee
Additional card No annual fee for Desjardins members, $40 a year for non-members7
Additional card No annual fee
Travel insurance
Travel insurance For trips up to 3 days
Travel insurance Comprehensive, up to 60 days
Travel insurance For trips up to 3 days
Lounge access at Montréal-Trudeau Airport
Lounge access at Montréal-Trudeau Airport Not offered
Lounge access at Montréal-Trudeau Airport 8 free passes a year to the Desjardins Odyssey Lounge (after that, 50% off the entrance fee)
Lounge access at Montréal-Trudeau Airport Not offered
Travel perks
Travel perks Not offered
Travel perks Access to airport lounges, exclusive experiences around the world and cash back when you travel (World Elite Mastercard cards only)
Travel perks Not offered
Car rental discounts
Car rental discounts Up to 15% off your Hertz® car rental and up to 10% off at Thrifty® and Dollar®
Car rental discounts Up to 25% off your Hertz® car rental and up to 10% off at Thrifty® and Dollar®
Car rental discounts Up to 15% off your Hertz® car rental and up to 10% off at Thrifty® and Dollar®
Auto rental insurance
Auto rental insurance Not offered
Auto rental insurance Collision and loss damage insurance for 48 consecutive days
Auto rental insurance Not offered
Mobile device insurance
Mobile device insurance Up to $1,000 of coverage in the event of loss, theft, damage or breakdown
Mobile device insurance Up to $1,500 of coverage in the event of loss, theft, damage or breakdown
Mobile device insurance Up to $1,000 of coverage in the event of loss, theft, damage or breakdown
Purchase protection
Purchase protection Covers eligible items in the event of loss or damage for 90 days from the purchase date
Purchase protection Covers eligible items in the event of loss or damage for 120 days from the purchase date
Purchase protection Covers eligible items in the event of loss or damage for 90 days from the purchase date
Extended warranty
Extended warranty Doubles the manufacturer's warranty for up to 1 additional year on most items bought with your card
Extended warranty Doubles the manufacturer's warranty for up to 2 additional years on most items bought with your card
Extended warranty Doubles the manufacturer's warranty for up to 1 additional year on most items bought with your card
Cash advances
Cash advances Up to $5,000 a day, within credit limit – your card's interest rate applies
Cash advances Up to $5,000 a day, within credit limit – your card's interest rate applies
Cash advances Up to $2,500 a day, within credit limit – your card's interest rate applies
Pay in installments
Pay in installments Option to pay for purchases of $200 or more in equal, interest-free monthly installments8 at participating merchants
Pay in installments Not offered
Pay in installments Option to pay for purchases of $200 or more in equal, interest-free monthly installments8 at participating merchants
Grace period
Grace period 25 days to pay off your balance without incurring interest, except on cash advances
Grace period 21 days to pay off your balance without incurring interest, except on cash advances
Grace period 21 days to pay off your balance without incurring interest, except on cash advances