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Desjardins Cash Back Visa

Desjardins Cash Back Visa

DesjardinsCash Back
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on Desjardins's website

Annual Fee
$0
Welcome Bonus
—
Bonus Value
—
Estimated value
1st Year Value
$285

Pros & Cons

Pros

  • +Purchase protection included
  • +Travel medical insurance included
  • +No annual fee

Cons

  • –Foreign Transaction Fee (2.5%)

Our Review

The Desjardins Visa Cash Back Card is a credit card with no annual fee.

With this card, you can earn:

  • 2% cash back on your purchases in the Restaurant and Pre-authorized Debit categories (up to $3,600 in annual purchases – beyond that, the accumulation rate decreases to 0.5%)
  • 2% cash back on purchases in the Entertainment and Public Transit categories
  • 0.5% cash back on your other purchases

In addition, this card offers several purchase insurances:

  • 90 days purchase insurance
  • One year extended warranty
  • Mobile Device Insurance

Rewards

All Spending

0.5x

Cash Back pts per dollar

Recurring

2x

Restaurants

2x

Transit

2x

Entertainment

2x

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

Groceries0.50%
$700/month
Gas & EV0.50%
$200/month
Transit2.00%
$100/month
Restaurants2.00%
$300/month
Pharmacy0.50%
$50/month
Travel0.50%
$150/month
Bills & recurring payments2.00%
$250/month
Telecom0.50%
$150/month
Entertainment & streaming2.00%
$100/month
Office supplies0.50%
$0/month
All other spending0.50%
$500/month

Cashback earned

$285

$/yr

Estimated Value

$285

After Fees

+$285

1st Year Value

$285

incl. welcome bonus

Annual rewards breakdown

Groceries$8,400/yr × 0.50%$42
Gas & EV$2,400/yr × 0.50%$12
Transit$1,200/yr × 2.00%$24
Restaurants$3,600/yr × 2.00%$72
Pharmacy$600/yr × 0.50%$3
Travel$1,800/yr × 0.50%$9
Bills & recurring payments$3,000/yr × 2.00%$60
Telecom$1,800/yr × 0.50%$9
Entertainment & streaming$1,200/yr × 2.00%$24
All other spending$6,000/yr × 0.50%$30
Total annual spend$30,000
Monthly spend$2,500
Average earn rate on spend per year0.95%
Total cashback earned$285

Travel Insurance

✓

Travel Medical

Up to $5,000,000 / 3 days

✓

Trip Cancellation

Up to $500

✓

Trip Interruption

Up to $1,000

✓

Delayed Baggage

Up to $500

✓

Lost Baggage

Up to $500

Purchase Protection

✓

Purchase Protection

Included

✓

Extended Warranty

+1 year(s)

✓

Mobile Device

Up to $1,000

Interest Rates

  • Purchase Rate
    20.9%
  • Cash Advance
    21.9%
  • Foreign Transaction Fee
    2.5%

Terms & Conditions

Card Features

  • 2% cash back on your purchases in the Restaurant and Pre-authorized Debit categories (up to $3,600 in annual purchases – beyond that, the accumulation rate decreases to 0.5%)
  • 2% cash back on purchases in the Entertainment and Public Transit categories
  • 0.5% cash back on your other purchases

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Protégez-vous may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Desjardins. All trademarks are property of their respective owners.