What's on this Page
Card Details
Based on $2,000 spending
First Year Value
$413.18
$413.18 in years after
Annual Rewards
$513.18
First Year Bonus
$0
Annual Fee
$100
First Year Value
$413.18
Interest Rates
Purchase: 20.90%
Cash Advance: 21.90%
Balance Transfer: 21.90%
Annual Fee
$100
Annual Income
Personal: $80,000
Household: $150,000
Credit Score Estimate
Welcome Bonus
N/A
Card & Reward Type
Card Type: Credit
Reward Type: Cash Back
Our Rating
2.9/5
Institution
Desjardins
Rewards
- 4% cash back on grocery purchases (up to $400 cash back annually)
- 3% cash back on restaurant purchases (up to $180 cash back annually)
- 3% cash back on entertainment and alternative transportation purchases
- 1% cash back on all other purchases
Insurance & Benefits
Insurance
Coverage
Extended Warranty
1 year
Purchase Protection
90 days
Mobile Device Insurance
$1,000
Trip Cancellation
$500 for trips up to 3 days
Trip Interruption
$1,000 for trips up to 3 days
Emergency Out of province Medical
$5M for trips up to 3 daysEmergency Medical Over 65
$5M for trips up to 3 days
Baggage Delay
$500 for trips up to 3 days
Lost or Stolen Baggage
$500 for trips up to 3 days.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.