Best Desjardins Credit Cards | May 2026

Q: What are the best Desjardins cash back credit cards?

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. These Desjardins credit cards offer up to 2% cash back and have no annual fees.

The best Desjardins credit cards – May 2026

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 each Desjardins credit card, you will find an alternative credit card in Canada offering a welcome bonus.

Desjardins Travel Rewards credit cards

Desjardins Odyssey^® World Elite^® Mastercard

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.

National Bank World Elite Mastercard

With Milesopedia, enjoy an exclusive offer to get up to 50,000 points with the National Bank World Elite Mastercard. This offer is exclusively available through the Milesopedia network and allows you to quickly earn points by following these steps:

10,000 reward points upon enrollment in your credit card payment protection, for a minimum of 3 months of membership.
10,000 points when you make $5,000 in net purchases within the first 3 months.
20,000 points when you reach $20,000 in purchases within the first 12 months.
10,000 points when you combine your credit card with the opening of your first current account within 7 days of your credit card application.

The National Bank World Elite Mastercard is the best Mastercard credit card offered by NBC.

With this card, you earn up to 5 points per dollar on your purchases:

5 points per dollar for groceries and restaurants
2 points per dollar on gas and electric recharge purchases
2 points per dollar on recurring bills
2 points per dollar on À la carte Travel
1 point per dollar for all other purchases

And since it’s an NBC mycredit Mastercard, 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:

Airport parking
Baggage fees
Seat selection
Access to Airport Lounges
Flight upgrades

What’s more, you can enjoy access to DragonPass airport lounges and unlimited access to the National Bank Lounge at Montreal-Trudeau.

Finally, Milesopedia has named the National Bank World Elite Mastercard as the Best Travel Credit Card in 2023, 2024, 2025, and 2026.

Scotiabank Passport™ Visa Infinite +* Card

With this welcome offer for the Scotiabank Visa Infinite ^+* Passport^MC Card, you get up to 60,000 Scene+ points as a welcome bonus (a value of $600):

40,000 points after $2,000 in purchases within the first three months
10,000 points after $10,000 in purchases within the first six months
10,000 points after $40,000 in purchases in the first year

Then, each year, if you make at least $40,000 in purchases on the card, you’ll earn an annual bonus of at least 10,000 points, which represents a $100 value.

With the Scotiabank Visa Infinite +* Passport^MD Card, you earn 3 points per dollar spent at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà par IGA, Voilà by Safeway, Chalo! grocery stores. FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.

You also earn 2 points per dollar spent, including on foreign purchases, in the following categories:

Grocery shopping
Restaurants
Entertainment centers
Transit

The Scotiabank Visa Infinite +* Passport^MD Card is an excellent Visa credit card for these types of purchases.

These points can be used for any travel purchase at a rate of 1,000 points = $10 (flights, hotels, all-inclusive packages, and even Airbnb). You can also redeem your points as cash back with Scene+, for example, at your grocery store checkout at the same rate of 1,000 points = $10.

The Scotiabank Visa Infinite +* Passport^MD Card also offers:

No fees for foreign currency transactions
6 access to VIP airport lounges
Excellent insurance for your travels and purchases
Concierge service
Travel with confidence with 10 GB of free GigSky global mobile data for 15 days, plus access to GigSky Travel Essentials for essential apps on the go.
Cardholders also receive a free 1 GB/15-day GigSky global mobile data package annually, plus a 20% discount on future GigSky purchases.

We have named this credit card the Best Credit Card with No Foreign Transaction Fees in 2024, 2025, and 2026.

Desjardins Odyssey Visa Infinite Privilege Card

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.

BMO eclipse Visa Infinite Privilege* Card

The BMO eclipse Visa Infinite Privilege* Card is a premium metal card! By applying for this card, you can earn up to 200,000 BMO Rewards points:

80,000 points after $6,000 in purchases within the first 110 days of account opening
40,000 points after $40,000 in purchases within the first 180 days of account opening
80,000 points after $75,000 in purchases within the first 365 days of account opening

Additionally, you benefit from a 0% welcome interest rate on balance transfers for 12 months, as well as a 2% balance transfer fee.

Plus, you’ll receivea $200 anniversary credit to use as you wish!

As well as a membership to the Visa Airport Companion program with six complimentary visits per year to airport lounges.

With this Card, you can earn 5 BMO Rewards points per dollar spent on:

Groceries
Gas
Drugstores
Travel
restaurants and bars
Food delivery

And 1 BMO Rewards point per dollar spent everywhere else.

You can use BMO Rewards points for all travel purchases made through the agency or website of your choice (plane tickets, hotels, rental cars, all-inclusive packages, Airbnb, etc.) or for rewards and gift cards on the BMO Rewards platform.

Finally, enjoy six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card.

Tangerine Money-Back Credit Card

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 purchase categories that interest you (groceries, gas, home furnishings, renovations, recurring bills, pharmacy, etc.) to earn 2% cash back ! And there’s 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 :

90 days purchase insurance
One year extended warranty

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.

Desjardins Cash Back Credit Cards

BMO CashBack^® Mastercard^®* World Elite^MD*

BMO CashBack^® World Elite^®* Mastercard^®* is one of Canada’s best cash back Mastercard credit cards.

Currently, for a limited time, you could receive up to $480 in cash back in the first year. In fact, you will receive $40 in cash back for each monthly period in which you make $2,000 in purchases on your card.

Plus, there is no annual fee for the first year!

Additionally, you benefit from a 0% introductory interest rate on balance transfers for 12 months, as well as a 2% balance transfer fee.

With BMO CashBack^® World Elite^®* Mastercard^®*, you get between 2% and 5% cash back on many categories of purchases:

5% on grocery purchases (on the first $500 you spend monthly)
4% on transit (on the first $300 you spend monthly)
3% on gas and electric vehicle charging (on the first $300 you spend monthly)
2% on recurring bill payments (on the first $500 you spend monthly)

Everywhere else, you’ll earn 1% cash back, including at Costco. It is also one of the only credit cards in its category to offer a 2 additional years extended warranty.

Finally, enjoy six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card.

Scotia Momentum^® No-Fee Visa* Card

The Scotiabank Momentum No Annual Fee Visa Card is an excellent cash back credit card in Canada. Right now, you can get 5% cash back on all your purchases for the first three months (up to $2,000 in total purchases).

With the Scotiabank Momentum No Annual Fee Visa Card, you get:

1% cash back on purchases at grocery stores and pharmacies, as well as on meal delivery services and subscriptions to ready-to-cook meal services
1% cash back on gas, electric vehicle charging, and public transit such as bus, taxi, and ridesharing trips
1% cash back on eligible recurring bill payments such as utilities and gym memberships
1% cash back on eligible subscriptions such as video streaming or music streaming services
0.5% cash back on all other eligible purchases

It is an excellent no annual fee Visa credit card for cash back. Also note that you can use your cash back at any time (the cash back balance must be at least $25).

In addition, you can benefit from an introductory rate of 0% on balance transfers for the first six months. A 2% fee applies to cash advances.

Frequently Asked Questions on Desjardins Credit Cards

Here are frequently asked questions in the milesopedia community about Desjardins credit cards and Desjardins financial products in Canada.

What are the best Desjardins cash back credit cards?

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. These Desjardins credit cards offer up to 2% cash back and have no annual fees.

What is the best Desjardins BONUSDOLLARS credit card?

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 will earn up to 3% in BONUSDOLLARS per dollar of purchases.

If you do not meet the minimum income requirement, you could apply for the Desjardins Odyssey Gold Visa Card, which offers up to 2% in BONUSDOLLARS on your purchases.

BONUSDOLLARS or cash back?

In a way, it is the same thing. With one of Desjardins’ credit cards, you accumulate BONUSDOLLARS, Desjardins’ cash back program, from your purchases, which you can redeem in various ways.

What is the best Desjardins credit card for students?

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. Furthermore, these are credit cards with no annual fees.

Which Desjardins credit cards have 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.

What is the best low-interest Desjardins credit card?

Desjardins offers a credit card with a low interest rate: the Desjardins Flexi Visa Card.

With the Desjardins Flexi Visa Card, you benefit from an interest rate of 10.9% on purchases.

How to get a Visa Desjardins prepaid card?

Desjardins no longer offers the Visa Prepaid credit card.

What is the best Desjardins credit card for travel?

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 will earn up to 3% in BONUSDOLLARS per dollar of purchases.

There is also the Desjardins Odyssey Visa Infinite Privilege Card, which is aimed at high-income individuals.

With these two Desjardins credit cards, you benefit from 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).

Can I apply for a Desjardins credit card online?

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.

Does Desjardins have Visa Infinite credit cards?

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 numerous advantages reserved for Visa Infinite cardholders:

Visa Infinite Luxury Hotel Collection
Visa Infinite Concierge
Visa Infinite Insurance
6 access to airport lounges

Which credit bureau does Desjardins check?

Desjardins partners with Transunion to check your credit report.

Where can I find my monthly statement?

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.

Can I make cash advances?

Desjardins provides access to cash advances at ATMs on your credit card, if you have paid your bills on time over the last year or if you respect your credit limit.

How do I contact Desjardins Mastercard customer service?

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.

What is the most advantageous card?

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.

How to increase Desjardins credit card limit?

If you wish to increase the limit of your Desjardins credit card, you can follow these steps:

Log in to your online account: You can access your Desjardins online account by visiting the Desjardins Web site and entering your user name and password.
Find your credit card: In your online account, locate your Desjardins credit card in the “My accounts” section.
Request a limit increase: Select your Desjardins credit card, then choose the “Request a limit increase” option. You can then follow the instructions to provide the details of your application.
Submit your application: Once you have provided all the required details, submit your application by clicking on the “Submit” button.
Wait for an answer: Once you have submitted your application, Desjardins will review your file and inform you of its decision. If your application is approved, you will receive a new credit limit for your card.

It is important to note that the 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.

How do I apply for a credit card with Desjardins?

Choose a Desjardins credit card available on this page, then visit the Desjardins website to apply for a Desjardins credit card.

Which Desjardins credit card has a low interest rate?

See the list of the best low-interest credit cards in Canada.