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Credit card

U.S. Visa

Credit card with no conversion fees on US dollar transactions

Eligibility: must have a Desjardins credit card

Interest rate

19.4%

Annual fee

US$301

Travel insurance

For trips up to 3 days

Why get the U.S. Visa* card

You can make US dollar transactions without having to worry about exchange rate fluctuations. This card is a great choice if you:

  • Often travel to the United States
  • Live part of the year in the United States
  • Have a US dollar account

Ready to apply?

Benefits of the U.S. Visa card

Travel

Travel insurance for trips up to 3 days

Get free travel insurance for you and your family2 for trips of up to 3 days.

What's included
  • Emergency healthcare coverage: up to $5 million per person.3
  • 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

Auto rental collision and loss damage insurance

This insurance covers you for up to 48 consecutive days in the event your rental car is damaged or stolen when you pay for the total cost of the rental with your card.4

Financing and cash advances

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

Fraud protection

FAQ

How do I make a payment on my U.S. Visa card?

Online

1. Log in to Desjardins My US Card.

2. Select the Payment tab.

3. Follow the instructions.

Once you've made a payment, you'll see DW (direct withdrawal) next to the transaction on your statement.

Keep in mind that you need to have registered a US dollar account at a Canadian institution. You can't use a Desjardins Bank account (Florida) for online payments.

By mail

Send the detachable part of your Desjardins U.S. Visa card statement along with a US dollar cheque to the following address:

Desjardins Card Services
450 Boul. De Maisonneuve O.
Payment services, 2nd floor
Montreal QC  H3A 0H2

You can send a cheque from a Canadian or American bank. But cheques from a Canadian dollar account aren't accepted.

At a caisse or credit union

  • Desjardins members: You can make a payment from your US dollar account or pay with cash in US dollars at the counter.
  • Non-members: You can only pay with cash in US dollars at the counter.

You can also make payments with certified cheques.

Do I have to make online payments from a US dollar account?

Yes, you have to make online payments from a US dollar account at a Canadian financial institution. Keep in mind you can't use a Desjardins Bank account (Florida) for online payments.

You can make payments in Canadian dollars at a caisse or credit union, but you'll be charged currency conversion fees.

How do I change the personal information on my U.S. Visa credit card account?

Call us at 1-855-898-8472 Phone number of the card services customer service for Canada. This link will launch your default phone software.  to:

  • Change your contact information
  • Increase your credit limit
  • Get online statements
How do I change my personal identification number (PIN) or get a new one?

When you call us

1. Enter your credit card number.

2. Enter the primary cardholder's date of birth.

3. Enter the CVV: the 3-digit security number on the back of your credit card.

4. If there are several cardholders on the account, the automated system will ask you to enter your first name. This makes sure the new PIN is assigned to the right card.

5. Choose a new PIN. It must include 4 digits and contain no repetitions (for example, 1212) or sequences of more than 3 digits (for example, 1234).

For security reasons, you can only change the PIN once per 24-hour period.

Good to know: You'll need your PIN to get cash advances.

How do I add a cardholder to my U.S. Visa card account?
Can I set up a pre-authorized payment so that my credit card is paid automatically each month?

No, you can't set up pre-authorized payments on your U.S. Visa card.

Can I use my Desjardins U.S. Visa card outside the US?

Yes, you can use your U.S. Visa card outside the US. But cash advances or purchases made in a currency other than the US dollar will be payable in US dollars.

The amount will be charged in the foreign currency, then converted into US dollars at the exchange rate determined by the Federation des caisses Desjardins du Québec. A 2.5% currency conversion fee will be added to your U.S. Visa account on the day the currency is converted.

Are certain transactions not allowed?

You can't use a U.S. Visa card to:

  • Get a telegraph money order
  • Make online casino transactions
  • Buy currency in non-financial institutions

Apply for the U.S. Visa card

Online

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. * Trademark of Visa International Service Association and used under licence. 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 standard 30-day billing cycle: If the regular annual interest rate is 19.4% and your average daily outstanding balance is $100, you'd be charged $1.59 in interest. If it's $500, you'd be charged $7.67 in interest, and if it's $1,000 you'd be charged $15.95 in interest.
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. 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.