Card Details
Based on $2,000 spending
First Year Value
$331.19
$331.19 in years after
Annual Rewards
$461.19
Desjardins BONUSDOLLARS® Rewards
First Year Bonus
$0
Desjardins BONUSDOLLARS® Rewards
Annual Fee
$130
First Year Value
$331.19
Interest Rates
Cash Advance: 21.90%
Purchase: 20.90%
Balance Transfer: 21.90%
Annual Fee
$130
Annual Income
Personal: $80,000
Household: $150,000
Credit Score Estimate
Welcome Bonus
N/A
Our Rating
3.5/5
Institution
Desjardins
Rewards
- 3% cash back on grocery purchases
- 2% cash back on restaurant, entertainment, and public transit
- 1.5% cash back on all other purchases
Insurance & Benefits
Insurance
Coverage
Extended Warranty
1 year
Purchase Protection
90 days
Mobile Device Insurance
$1,500
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
Airport Lounge - Desjardins Odyssey
8 free passes per year
Car Rental Discount
25% off base rate off Hertz car rental
Car Rental Discount
10% off base rate off Thrifty or Dollar rental
Boingo Wi-Fi hotspot
over 1 million Boingo Wifi hotspots worldwide
Pros & Cons
Pros
- High Earn Rates: Earn up to 3% cash back on groceries, 2% on restaurants, entertainment, and public transportation, and 1.5% on all other purchases.
- Comprehensive Insurance: Includes 9 types of travel insurance, with coverage extending to those over 65.
- Free Lounge Access: Enjoy 8 free passes to the Desjardins Odyssey Lounge in Montreal.
- World Elite Perks: Includes additional perks like Boingo Wi-Fi, Mastercard Travel Rewards, and more.
Cons
- No Welcome Bonus: Unlike many premium cards, this one lacks a welcome bonus, reducing its initial appeal.
- High Income Requirements: Requires a minimum personal income of $80,000 or household income of $150,000.
- Limited Branch Access: Physical branches are only available in Quebec and Ontario.