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If you want to rack up points, tap into everyday benefits or lock in a deal on low-interest financing, then you might like to compare the cards on offer from Desjardins. Learn more about Desjardins credit cards and find out how choose the card that’s the right fit for you.
Desjardins credit cards
Desjardins offers three main types of cards: fee-free, low-interest and travel rewards. Some of the credit cards offer both a Visa and Mastercard option, but you might need to look for something else if you’re in the market for an American Express.
Cash Back Visa or Mastercard
You can earn bonus dollars whenever you use this card, and redeem the money you save for gift rewards, event tickets and travel packages. This card also offers no annual fee, extended warranty coverage and purchase protection, 3-day travel insurance and mobile device insurance at no extra cost.
No annual fee. Get a return on rewards with no annual fee.
Flexible points. Redeem your bonus dollars for events, gifts or travel.
Insurance options. Take advantage of free purchase protection, warranty coverage, travel insurance and mobile device insurance.
No cashback. Bonus dollars can only be used to tap into Desjardins rewards.
High interest rate. This is not the best option if you don’t think you’ll be able to pay your balance in full.
Odyssey World Elite Mastercard
This card offers the complete package for frequent flyers, with bonus dollars and comprehensive travel insurance. You’ll also get free passes every year to kick back and relax in the Desjardins Odyssey Lounge at the Montreal Airport.
This card also comes with many non-travel related benefits, including mobile device insurance, purchase protection, extended warranty coverage on purchases and zero liability in the event of fraud. Just be prepared to pay a higher-than-average annual fee in return for all the extras.
Extended travel insurance. You’ll get 60-day insurance when you travel worldwide.
Fraud protection. This card offers zero liability insurance for fraudulent activities on your account.
High fee. The fee for this card is higher than the fee on offer for similar cards.
Income requirements. You’ll need to be able to prove a minimum annual income of $80,000 to qualify (or household income of $100,000).
Desjardins credit cards rewards program
Desjardins credit cards offer returns in the form of bonus dollars, which can be used to purchase merchandise, event tickets and travel packages.
How to redeem points
You can redeem bonus points by signing into your online AccèsD account. Simply click on your card, select options and specify how many bonus dollars you want to use. To redeem points for merchandise, you can register for an account at www.bonusdollars.ca. For travel, you’ll need to spend the money on your trip in advance, and then you can apply your bonus dollars to your statement to cover the cost.
Typical card benefits and features of a Desjardins credit card
If you’re looking for an added bonus, you might like to check out the common features offered across all of Desjardins’ cards.
Purchase Protection. Get coverage to protect against loss or damage for 90 days from your purchase date.
Extended Warranty. Double your manufacturer’s warranty for up to one year on purchases made with your card.
Mobile pay. Pay and go with Apple or Google Pay.
Fraud protection. With Zero Liability, you won’t have to pay for fraudulent transactions made on your account.
Financing options. Take advantage of low interest rates, cash advances and preauthorized payments when you need them.
How to apply for a credit card with Desjardins
It’s easy to apply for a credit card with Desjardins through its website. Before you apply, make sure you meet the minimum eligibility requirements and prepare some basic information.
Eligibility criteria
You must be at least 18 years old (and 19 in some provinces).
Be a Canadian resident.
Meet minimum income eligibility requirements.
Required documents
Full name and date of birth.
Street address and phone number.
Valid email address.
Total annual income.
How does Desjardins keep my credit card information safe?
Desjardins protects cards with special microchip technology. You can also register for fraud alerts via text or email, and add a security code to your account.
Compare other credit cards
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Bottom line
Desjardins offers a decent selection of no-fee, cashback, low-interest and travel cards. Most cards offer a 1% return on bonus dollars and come with diverse benefits and reasonable fees. Compare cards on offer to find out which one might be the best fit for you.
Frequently asked questions
You can exchange your bonus dollars for gifts, merchandise, event tickets, and travel discounts, among other things.
It depends on the card. Some cards are fee-free but offer limited rewards, while others come with a higher fee and additional benefits.
You can phone in or check your statement to find out how many rewards you have. It’s also possible to log in to AccèsD to get a recent summary of your points balance.
Claire Horwood was a writer at Finder, specializing in credit cards, loans and other financial products. She has a Bachelor of Arts in Gender Studies from the University of Victoria, and an Associate’s Degree in Science from Camosun College. Much of Claire’s coursework has focused on writing and statistics, with a healthy dose of social and cultural analysis mixed in for good measure. In her spare time, Claire enjoys rock climbing, travelling and drinking inordinate amounts of coffee. See full bio
Access a wide variety of benefits and get a low interest rate with this travel-oriented Desjardins Odyssey Visa Infinite Privilege credit card.
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