Discover the top Desjardins credit cards that offer exceptional rewards, low interest rates, and tailored benefits. Whether you’re looking for travel perks or cash back options, our comprehensive guide will help you choose the perfect card to suit your financial needs.
Before applying for a credit card online, take a look at the best credit card offers from Desjardins and don’t hesitate to consult our credit card comparator.
Here is a table summarizing the different offers. For more details, read on or click on the name of a card. For every Desjardins credit card, you’ll find an alternative credit card in Canada offering a welcome bonus.
The Desjardins Odyssey® World Elite® Mastercard is a BONUSDOLLARS credit card.
With this card you can get:
In addition, this card offers several insurances for your purchases:
As well as comprehensive travel insurance.
National Bank World Elite Mastercard is the best Mastercard credit card on NBC. With the current welcome offer, receive up to 40,000 bonus points distributed as follows:
With this card, you earn up to 5 points per dollar on your purchases:
And since it’s a Mastercard credit card, you can use it at Costco.
With this card, you have access to a $150 annual travel credit that you can use in any of these categories:
In addition, you can enjoy access to DragonPass airport lounges and unlimited access to the National Bank lounge at Montreal-Trudeau.
Finally, in 2023 and 2024, Milesopedia voted National Bank World Elite Mastercard as the Best Credit Card for Travel and the Best Credit Card for Insurance.
The Desjardins Odyssey Gold Visa card is a credit card that offers BONUSDOLLARS.
With this welcome offer for the Scotiabank Passport™ Visa Infinite* Card, you earn up to 35,000 Scene+ points as a welcome bonus (a $350 value) :
Then, each year, if you make at least $40,000 in purchases on the card, you’ll earn an annual bonus of 10,000 points, a $100 value.
With the Scotiabank Passport™ Visa Infinite* Card, you earn 3 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
You’ll also earn 2 points for every dollar you spend, including on foreign transactions, in the following categories:
The Scotiabank Passport™ Visa Infinite* Card is an excellent Visa credit card for this type of purchase.
You can redeem your points for any travel purchase at the rate of 1,000 points = $10 (flights, hotels, all-inclusive properties and even Airbnb). You can also use your points as cash back with Scene+, such as at your grocery store checkout at the same rate of 1,000 points = $10.
The Scotiabank Passport™ Visa Infinite* Card also offers:
We voted this credit card the Best No-FX Fee Credit Card of 2024.
The Desjardins Odyssey Visa Infinite Privilege Card is a BONUSDOLLARS credit card.
The BMO eclipse Visa Infinite Privilege* Card is a premium metal card! With this card, you can earn up to 120,000 BMO Rewards points:
Plus, you’ll receivea $200 anniversary credit to use as you wish!
As well as a Visa Airport Companion membership with 6 complimentary airport lounge visits per year.
With this Card, you earn 5 BMO Rewards points per dollar of purchases for:
And 1 BMO Rewards point for every $1 spent on everything else.
You can use BMO Rewards points for all travel purchases made through the agency or website of your choice (flights, hotels, car rentals, all-inclusive resorts, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.
The Desjardins Bonus Visa* Credit Card is a credit card with no annual fee.
The Tangerine Money-Back Credit Card has no annual fee and offers cash back.
With this limited-time welcome offer, you can earn an additional 10% cash back (up to $100) when you spend up to $1,000 on everyday purchases during the first 2 months.
You can choose two to three categories that interest you (groceries, gas, furniture, home improvement, recurring bills, pharmacy, etc.) to earn 2% cash back! And there is no annual cash back limit. It is one of the best credit cards for renovations.
In addition, the Tangerine Mastercard offers several insurance coverages for your purchases :
Finally, during the first 30 days you hold the card, transfer credit card balances and pay only 1.95% interest on these balances for the first 6 months.
The Desjardins World Elite Mastercard is a cash back credit card.
BMO CashBack® World Elite®* Mastercard®* is one of Canada’s best cash back Mastercard credit cards.
For a limited time, you will earn up to 10% cash back on select purchases for the first 3 months (that’s up to $260 cash back). Besides, the annual fee is waived in the first year!
With BMO CashBack® World Elite®* Mastercard®*, you get between 2% and 5% cash back on many categories of purchases:
Everywhere else, you’ll earn 1% cash back, including at Costco.
Finally, it is one of the only credit cards in its category to offer an extended warranty of 2 additional years.
The Desjardins Cash Back Mastercard is a credit card with no annual fee.
MBNA Smart Cash Platinum Plus® Mastercard® is one of the best no-annual-fee cash-back credit cards in Canada.
With this card, you can get 2% on:
Up to a monthly purchase limit of $500, and 0.5% cash back everywhere else.
For a limited time, you can earn 5% cash back for the first 6 months, a value of $150. It’s the best no-annual-fee MBNA credit card with cash back.
The Desjardins Visa Cash Back Card is a credit card with no annual fee.
The Scotia Momentum® No-Fee Visa* Card is a great cash-back credit card in Canada. Currently, you can earn 5% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).
With the Scotia Momentum® No-Fee Visa* Card, you get :
This is a great no-fee Visa credit card to earn cash back.
Plus, you can get a 0% introductory rate on balance transfers for the first six months. A 2% fee applies to cash advances.
Here are some frequently asked questions in the Milesopedia community about Desjardins’ credit cards and Desjardins’ financial products in Canada.
Here are the three Desjardins cash back credit cards:
You could sign up for the Desjardins World Elite Mastercard, which is one of the best Desjardins cash back credit cards. With this Desjardins credit card, you’ll get a welcome bonus and earn up to 4% cash back on your purchases.
If you don’t have the minimum income requirement, you may want to consider the Desjardins Cash Back Mastercard, which is one of the best Desjardins Cash Back Mastercard credit cards with no annual fee. Alternatively, you could apply for the Desjardins Visa Cash Back Card. This Desjardins credit card offers up to 2% cash back and has no annual fee.
You could apply for the Desjardins Odyssey World Elite Mastercard, which is the best Desjardins BONUSDOLLARS credit card. With this Desjardins BONUSDOLLARS credit card, you can earn up to 3% in BONUSDOLLARS for every dollar spent.
If you don’t have the minimum income requirement, you could apply for the Desjardins Odyssey Gold Visa card, which offers up to 2% BONUSDOLLARS on your purchases.
In a way, it is the same thing. With one of the Desjardins credit cards, you earn BONUSDOLLARS, Desjardins’ cash back program, which you can redeem in various ways.
You can choose between two Desjardins credit cards for students: the Desjardins Visa Cash Back Card or the Desjardins Mastercard Cash Back Card.
With these Desjardins credit cards, you can earn cash back and build your credit history. In addition, these are credit cards with no annual fee.
You can choose between two Desjardins credit cards with no annual fee: the Desjardins Visa Cash Back Card or the Desjardins Cash Back MasterCard.
Desjardins offers a low-interest credit card: the Desjardins Flexi Visa card.
With the Desjardins Flexi Visa card, you get a 10.9% interest rate on purchases.
Desjardins no longer offers the Visa Prepaid credit card.
Desjardins offers several cards for travel in North America and around the world. First, the Desjardins Odyssey World Elite Mastercard, which is the best Desjardins BONUSDOLLARS credit card. With this Desjardins BONUSDOLLARS credit card, you can earn up to 3% in BONUSDOLLARS for every dollar spent.
There is also the Desjardins Odyssey Visa Infinite Privilege Card, which is designed for high-income earners.
With these two Desjardins credit cards, you get travel insurance and free visits to the Desjardins Odyssey Lounge at Montreal-Trudeau International Airport.
These credit cards are perfect for travel and offer you premium insurance for your travels in North America or around the world and your daily purchases (extended warranty).
Yes, you can apply for a card online with Desjardins. Click on the Apply now button next to each Desjardins credit card on the Desjardins website.
Yes, Desjardins has a Visa Infinite Privilege credit card: the Desjardins Odyssey Visa Infinite Privilege Card.
With this Visa Infinite Privilege credit card, you benefit from many advantages reserved for Visa Infinite credit cardholders:
Desjardins partners with Transunion to check your credit report.
Desjardins gives you access to your monthly statements in the AccèsD section under Statements et Documents. They can be sent to you in paper format by mail upon request.
Desjardins gives you access to cash advances at the ATM on your credit card, if you have paid your bills on time in the last year or if you are within your credit limit.
You can contact Desjardins at 514 397 4415. However, if your request is for a lost or stolen card, call Desjardins at 1 800 363-3380.
To find out which card is best for you, we recommend using the Milesopedia credit card comparison tool where you can select according to your preferences and lifestyle.
If you wish to increase the limit of your Desjardins credit card, you can follow the steps below:
It is important to note that approval of a credit limit increase request will depend on several factors, such as your credit history, your credit score and your ability to repay your debt. If your application is denied, you can ask Desjardins for an explanation or work on improving your credit profile before submitting a new application.
Choose a Desjardins credit card available on this page, then visit the Desjardins website to apply for a Desjardins credit card.
See the list of the best low-interest credit cards in Canada.
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