Looking for the best Desjardins Credit Cards in Canada? The right choice depends on your spending, annual fees and the benefits you will actually use.
Compare the 10 cards in our selection below. Interested in a card? Click Read review to read our full analysis.
- Annual fee
- $120
- Our valuation
- $500Milesopedia first-year estimate First-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 50,000 points
Milesopedia first-year estimateFirst-year valueWelcome bonus$500Total$500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Ends Nov 1, 2026
on Scotiabank's website
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $130 | |||
| $100 | |||
| $395 | |||
| $0 | |||
| $0 | |||
| $0 | |||
| $110 | |||
| $25 | |||
| $0 | |||
| $0 |
The Desjardins Odyssey World Elite Mastercard is a credit card that offers BONUSDOLLARS.
With this card, you can earn:
- 3% in BONUSDOLLARS for your purchases in the Grocery category (up to $10,000 in annual purchases – beyond that, the earn rate decreases to 1%)
- 3% in BONUSDOLLARS for your purchases in the Restaurant category (up to $6,000 in annual purchases – beyond that, the earn rate decreases to 1%)
- 2% in BONUSDOLLARS for your purchases in the Entertainment, Travel, and Public Transportation categories
- 1% in BONUSDOLLARS for your other purchases
In addition, this card offers several purchase insurances:
- 90 days purchase insurance
- One year extended warranty
- Mobile Device Insurance
As well as comprehensive travel insurance.
The Desjardins World Elite Mastercard is a cash back credit card.
With this card, you can earn:
- 4% cash back on grocery purchases (up to $10,000 in annual purchases – thereafter, the earn rate decreases to 1%)
- 3% cash back on restaurant purchases (up to $6,000 in annual purchases – thereafter, the earn rate decreases to 1%)
- 3% cash back on purchases in the Entertainment and Public Transit categories
- 1% cash back on your other purchases
In addition, this card offers several purchase insurance coverages:
- 90 days purchase insurance
- One year extended warranty
- Mobile Device Insurance
The Desjardins Odyssey Visa Infinite Privilege Card is a credit card offering BONUSDOLLARS.
With this card, you can earn:
- 4% in BONUSDOLLARS for your purchases in the Restaurant, Entertainment, Public Transit categories
- 3% in BONUSDOLLARS for your purchases in the Travel category (up to $25,000 in purchases per year – beyond that, the accumulation rate decreases to 1.5%)
- 3% in BONUSDOLLARS for your purchases in the Grocery category
- 1.5% in BONUSDOLLARS for your other purchases
In addition, this card offers several insurance coverages for your purchases:
- 180-day purchase insurance
- Two-year extended warranty
- Mobile Device Insurance
As well as comprehensive travel insurance.
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
The Desjardins Cash Back Mastercard is a credit card with no annual fee.
With this card, you can earn:
- 2% cash back on your Restaurant and Automatic Payment purchases (up to $3,600 in purchases per year – beyond that, the earning rate decreases to 0.5%)
- 2% cash back on purchases in the Entertainment and Public Transit categories
- 0.5% cash back on all other purchases
In addition, this card offers several purchase insurance benefits:
- 90 days purchase insurance
- One year extended warranty
- Mobile Device Insurance
The Desjardins Bonus Visa* Credit Card is a credit card with no annual fee.
With this card, you can earn:
- 2% in BONUSDOLLARS on purchases in the Restaurant and Automatic Withdrawal categories (up to $3,600 in purchases per year – beyond that, the earning rate decreases to 0.5%)
- 2% in BONUSDOLLARS on purchases in the Entertainment and Public Transportation categories
- 0.5% in BONUSDOLLARS on all other purchases
In addition, this card offers several purchase insurance benefits:
- 90 days purchase insurance
- One year extended warranty
- Mobile Device Insurance
The Desjardins Odyssey Gold Visa Card is a credit card that earns BONUSDOLLARS.
With this card, you can earn:
- 2% in BONUSDOLLARS on your purchases in the Restaurant, Travel, and Pre-authorized payment categories (up to $6,000 in purchases per year—beyond that, the earn rate drops to 0.65%)
- 2% in BONUSDOLLARS on your purchases in the Entertainment and Public transit categories
- 0.65% in BONUSDOLLARS on your other purchases
In addition, this card offers several purchase insurances:
- 90 days purchase insurance
- One year extended warranty
- Mobile Device Insurance
As well as comprehensive travel insurance.
The Desjardins Business Advantage Visa Card is aimed at businesses with high purchase volumes that want tighter control over their spending while earning a rebate on their annual volume.
What the card gives you:
- Up to 1% of your purchases in cash back, on annual purchases between $12,000 and $750,000, for a maximum rebate of $7,380 per 12-month period
- A $25 annual fee per card, and no fee for additional cards for Desjardins members
- Additional cards for your employees and consolidated payments through a master account
- A 21-day grace period to pay your balance without finance charges, except on cash advances
- Desjardins Business account management
The purchase interest rate is the prime rate + 8.5%. The prime rate is variable and the annual rate is set by the Fédération des caisses Desjardins du Québec based on your company’s situation, following a review of the file. A 2.5% conversion fee applies to foreign currency transactions. This card does not offer a welcome bonus.
The Desjardins Flexi Visa Card is a low-interest card with no annual fee. It is designed for people who sometimes carry a balance and want to reduce the interest they pay, while avoiding an annual fee.
With a low interest rate on purchases, it is a simple, economical card for managing your everyday expenses.
The annual interest rate is 10.9% on purchases and 12.9% on cash advances. A 2.5% foreign transaction fee applies to purchases made in a foreign currency.
The Desjardins Business Visa Card helps you keep business spending separate from your personal finances, while earning cash back on your annual purchase volume.
Promotional offer: no annual fee for 1 year.
What the card gives you:
- Up to 1% of your purchases in cash back through the Business Savings Program, on annual purchases between $12,000 and $500,000, for a maximum rebate of $4,880 per 12-month period
- No annual fee for the first year, then $60 per card, or $40 per card if you hold 5 cards or more
- Additional cards for your employees and consolidated payments through a master account
- A 21-day grace period to pay your balance without finance charges, except on cash advances
- Desjardins Business account management
The purchase interest rate is the prime rate + 8.5%. The prime rate is variable and the annual rate is set by the Fédération des caisses Desjardins du Québec based on your company’s situation, following a review of the file. A 2.5% conversion fee applies to foreign currency transactions.
- Annual fee
- $0 $60No annual fee the first year
- Our valuation
- $60Milesopedia first-year estimate First-year valueAnnual fee rebated$60Total$60Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- First Year Annual Fee Rebate
No annual fee the first year
Milesopedia first-year estimateFirst-year valueAnnual fee rebated$60Total$60Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$60 annual fee rebated
on Desjardins's website
Compare the terms specific to this selection
For Desjardins, compare fees, eligible transactions and the benefits you need. Where rewards points are offered, check redemption options, transfer possibilities and program conditions.
Assess costs beyond the welcome offer
When choosing a credit card in this category, distinguish temporary incentives from ongoing terms. Compare annual fees, transaction charges and benefit requirements.
Use the table for an initial comparison. Read the review of the card that interests you, then the issuer’s terms before applying.
Frequently asked questions — Desjardins
How do I compare cards in Desjardins?
Compare each offer using the same budget and spending needs. Then review detailed terms to check limits, exclusions and the benefits you can actually use.
How should I choose from the Desjardins selection?
Start with your spending and priorities, then compare fees and benefits relevant to your situation. The ranking helps identify options; the best choice can differ from person to person.
Can terms change after publication?
Yes. Offers, fees and eligibility requirements can change. Before applying, check the issuer’s terms linked from the application button, including dates and exclusions.
