Desjardins Cash Back World Elite® Mastercard®
Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Total Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
$0
Card Details
Annual Rewards
$505.44
First Year Bonus
$0
Annual Fee
$100
First Year Value
$405.44
Interest Rates
Cash Advance: 21.90%
Purchase: 20.90%
Annual Fee
$100
Annual Income
Personal: $80,000
Household: $150,000
Credit Score
Very Good
Welcome Bonus
N/A
Card Type
Cash Back
Our Rating
3.5/5
Institution
Desjardins
Rewards
- 4% cash back on grocery purchases
- 3% cash back on entertainment, restaurant and alternative transportation purchases
- 1% cash back on all other purchases
Desjardins Cash Back World Elite® Mastercard® Cash Back Calculator
Based on average spending
Rewards Ranking
Rewards Breakdown
Groceries
$165.12
All other categories with bonus points
$212.4
All other purchases
$127.92
Annual Fee
- $100
Net Annual Rewards
$405.44
(after fees)
Rewards Summary
Net Annual Rewards
$405.44
(after fees)
First Year Bonus
$0
First Year Value
$405.44
Insurance & Benefits
Insurance
Coverage
Extended Warranty
1 year
Purchase Protection
90 days
Mobile Device Insurance
$1,000
Trip Cancellation
$500
Trip Interruption
$1,000
Emergency Out of province Medical
3 daysEmergency Medical Over 65
3 days
Baggage Delay
$500
Lost or Stolen Baggage
$500.svg)
Car Rental Damage & Theft
Yes
Benefits
Details
Airport Lounge - Dragon Pass
Pass only
Boingo Wi-Fi hotspot
over 1 million Boingo Wifi hotspots worldwide
Car Rental Discount
25% off base rate off Hertz car rentalCar Rental Discount
10% off base rate off Thrifty or Dollar rental
Pros & Cons
Pros
- High earn rates make it a strong option for those looking to maximize rewards on their spending.
- Slightly lower annual fee compared to other cards in its category, providing good value for its benefits.
- Comes with attractive perks from being a World Elite Mastercard, such as travel and purchase protection benefits. Membership to 1,300 airport lounges across the globe through DragonPass (no free passes)
Cons
- Limited physical branch access, with branches only in Quebec and Ontario, which may be inconvenient for those living elsewhere.
- Lacks a welcome bonus, which may be a drawback compared to other cards offering substantial introductory offers.