Compare Desjardins credit cards

Earn rewards dollars when you shop in-person or online with your fee-free, low-interest or travel rewards credit card.

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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 moreDesjardins credit cards and find out how choose the card that’s the right fit for you.

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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.

Modulo Visa

This card comes with a low interest rate and you can still earn bonus dollars on any amount you spend. This feature makes this card stand out since most low-interest cards don’t offer any perks or rewards. When you pay less in interest every month, you’ll typically end up saving more than you would accumulate in rewards. You’ll also pay a smaller annual fee than with most other Desjardins cards.

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.

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 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.

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.

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