Card Details
Based on $2,000 spending
First Year Value
$208.13
$208.13 in years after
Annual Rewards
$318.13
Desjardins BONUSDOLLARS® Rewards
First Year Bonus
$0
Desjardins BONUSDOLLARS® Rewards
Annual Fee
$110
First Year Value
$208.13
Interest Rates
Cash Advance: 21.90%
Purchase: 20.90%
Balance Transfer: 21.90%
Annual Fee
$110
Annual Income
Personal: $80,000
Household: $150,000
Credit Score Estimate
Welcome Bonus
N/A
Our Rating
3.25/5
Institution
Desjardins
Rewards
- 2% cash back on restaurant, entertainment, transit and pre-authorized 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
Trip Interruption
no limits
Emergency Out of province Medical
60 days
Emergency Medical Over 65
15 days
Baggage Delay
$1,000
Lost or Stolen Baggage
$1,000
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Car Rental Damage & Theft
Yes
Benefits
Details
Car Rental Discount
25% off base rate off Hertz car rental, no young drivers or additional driver surcharge
Car Rental Discount
10% off base rate off Thrifty or Dollar rental, no young or additional drivers surcharge
Pros & Cons
Pros
- Comprehensive Insurance Coverage: Includes extensive travel insurance, including coverage for those over 65, making it ideal for travelers.
- Decent Rewards: Earns 2% back on popular categories like restaurants, entertainment, transit, and pre-authorized payments.
- Mobile Device Insurance: Offers protection for your smartphone or tablet, a feature not always available with other cards.
- Discounts on Car Rentals: Enjoy up to 25% off at popular car rental services, enhancing travel savings.
Cons
- High Annual Fee: The $110 annual fee might seem steep, especially given the modest rewards rate.
- No Welcome Bonus: Unlike many competitors, this card does not offer a welcome bonus, reducing its initial appeal.
- Limited Branch Access: Physical branches are only available in Quebec and Ontario, which may be inconvenient for those needing in-person support outside these provinces.