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.
Desjardins Travel Rewards credit cards
Desjardins Odyssey World Elite Mastercard
The Desjardins Odyssey® World Elite® Mastercard is a BONUSDOLLARS credit card.
With this card you can get:
- 3% in BONUSDOLLARS on your grocery purchases
- 2% in BONUSDOLLARS on your restaurant, entertainment and public transportation purchases
- 1.5% in BONIDOLLARS on your other purchases
In addition, this card offers several insurances for your purchases:
- 90 days purchase insurance
- One year extended warranty
- Mobile Device Insurance
As well as comprehensive travel insurance.
Alternative card: National Bank World Elite Mastercard
The National Bank’s World Elite Mastercard® is the Best National Bank Mastercard credit card.
With this exclusive welcome offer for Milesopedia readers, you can get up to 70,000 points, and the first year’s annual fee is waived for the primary cardholder.
Here’s how:
- 30,000 points after $5,000 in Card purchases within the first 3 months of account opening
- 30,000 points if $12,000 or more in net purchases are charged to the credit card within 12 months of account opening
- 10,000 points if you sign up for Credit Card Payment Protection for a minimum of 3 months
With this card, you earn up to 5 points per dollar on your purchases:
- 5 points per dollar on grocery and restaurant purchases
- 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 on all other purchases
And since it’s a National Bank 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:
- Airport parking
- Baggage fees
- Seat selection
- Access to airport lounges
- Flight upgrades
In addition, you can enjoy access to DragonPass airport lounges and free Wi-Fi with Boingo. And unlimited access to the National Bank Lounge at Montreal-Trudeau.
Finally, Milesopedia voted the National Bank’s World Elite Mastercard® as the Best Travel Credit Card and Best Credit Card for Insurance in 2023.
This promotion is intended for individuals who do not have a National Bank Mastercard credit card and have not held a National Bank credit card within the last 24 months.
Desjardins Odyssey® Gold Visa* Card
The Desjardins Odyssey Gold Visa card is a credit card that offers BONUSDOLLARS.
With this card you can get:
- 2% in BONUSDOLLARS for your restaurant, entertainment, public transportation and direct debit purchases
- 1% in BONUSDOLLARS on your other purchases
In addition, this card offers several insurances for your purchases:
- 90 days purchase insurance
- One year extended warranty
- Mobile Device Insurance
As well as comprehensive travel insurance.
Alternative card: Scotiabank Passport Visa Infinite Card
With the Scotiabank Passport™ Visa Infinite* Card, you earn 30,000 points on just $1,000 in purchases, a value of $300. And each year, if you make at least $40,000 in Card purchases, you’ll earn 10,000 additional points ($100 value).
In addition, there is no annual fee for the first year.
With the Scotiabank Passport™ Visa Infinite* Card, you earn 3X Scene+ points on every $1 you spend 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.
Also, you earn 2 points per dollar for:
- grocery purchases
- dining purchases
- Entertainment
- Transportation
The Scotiabank Passport™ Visa Infinite* Card is an excellent Visa credit card for these types of purchases.
You can redeem your points for any travel purchases (flights, hotels, all-inclusive and even Airbnb). You can also use your points as cash back rewards with Scene+.
The Scotiabank Passport™ Visa Infinite* Card also offers:
- no foreign transaction fee
- 6 complimentary passes to airport VIP lounges
- Premium insurance for your travels or purchases
- Concierge services
Desjardins Odyssey® Visa Infinite Privilege* Card
The Desjardins Odyssey Visa Infinite Privilege Card is a BONUSDOLLARS credit card.
With this card you can get:
- 4% in BONUSDOLLARS on your restaurant, entertainment and public transportation purchases
- 3% in BONUSDOLLARS on your grocery and travel purchases
- 1.75% in BONIDOLLARS on your other purchases
In addition, this card offers several insurances for your purchases:
- 180-day purchase insurance
- Two year extended warranty
- Mobile Device Insurance
As well as comprehensive travel insurance.
Alternative card: BMO eclipse Visa Infinite Privilege* card
The BMO eclipse Visa Infinite Privilege Card* is a premium metal card! With this card , you can earn up to 90,000 BMO Rewards points:
- 50,000 points when you spend $6,000 in the first 3 months
- 40,000 points twelve months after the Credit Card account open date after you spend a minimum of $100,000 within the first twelve months
Plus, you’ll get a $200 annual lifestyle credit – per calendar year – to spend however you want. 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:
- Groceries
- Gas
- Drugstores
- travel purchases
- Dining
- Food delivery
And 1 BMO Rewards point for every $1 spent on everything else.
Desjardins Bonus Visa* Credit Card
The Desjardins Bonus Visa* Credit Card is a credit card with no annual fee.
With this card you can get:
- 2% in BONUSDOLLARS for your restaurant, entertainment, public transportation and direct debit purchases
- 0.5% in BONIDOLLARS on your other purchases
In addition, this card offers several insurances for your purchases:
- 90 days purchase insurance
- One year extended warranty
- Mobile Device Insurance
Alternative card: Tangerine Money-Back Credit Card
The Tangerine Money-Back Credit Card has no annual fee and offers cash back.
Through May 2, 2023, you can earn an additional 10% 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 :
- 90 days purchase insurance
- One year extended warranty
Finally, during your first 30 days, transfer balances and pay only 1.95% interest on the transferred balance for the first 6 months.
Desjardins Cash Back Credit Cards
Desjardins Cash Back World Elite Mastercard
The Desjardins World Elite Mastercard is a cash back credit card.
With this card you can get:
- 4% cash back on your grocery purchases
- 3% cash back on your restaurant, entertainment and public transportation purchases
- 1% cash back on your other purchases
In addition, this card offers several insurances for your purchases:
- 90 days purchase insurance
- One year extended warranty
- Mobile Device Insurance
Alternative card: BMO CashBack World Elite Mastercard
The BMO® CashBack® World Elite®* Mastercard®* is one of the best cash back Mastercard credit card in Canada.
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 the BMO® CashBack® World Elite®* Mastercard®*, you earn between 2% and 5% cash back on many spending categories:
- 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.
Finally, it is one of the only credit cards in its category to offer an extended warranty of 2 additional years.
Desjardins Cash Back Mastercard
The Desjardins Cash Back Mastercard is a credit card with no annual fee.
With this card you can get:
- 2% cash back on restaurant, entertainment, public transportation purchases and your pre-authorized payments
- 0.5% cash back on your other purchases
In addition, this card offers several insurances for your purchases:
- 90 days purchase insurance
- One year extended warranty
- Mobile Device Insurance
Alternative card: MBNA Smart Cash Platinum Plus® Mastercard®
The MBNA Smart Cash Platinum Plus® Mastercard® is one of the best cash back credit cards with no annual fee in Canada.
With this card, you can get 2% on:
- gas purchases
- grocery purchases
Until the total gas and grocery purchases in the applicable month reaches $500. And 0.5% everywhere else.
For a limited time, you can earn 5% cash back for the first six months, a $150 value. This is the best no-fee MBNA credit card with cash back.
Desjardins Cash Back Visa
The Desjardins Visa Cash Back Card is a credit card with no annual fee.
With this card you can get:
- 2% cash back on restaurant, entertainment, public transportation purchases and your pre-authorized payments
- 0.5% cash back on your other purchases
In addition, this card offers several insurances for your purchases:
- 90 days purchase insurance
- One year extended warranty
- Mobile Device Insurance
Alternative card: Scotia Momentum® No-Fee VISA* Card
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 :
- 1% Cash back on all eligible gas station, grocery store, drug store purchases and recurring payments.
- 0.5% on all other purchases
This is a great no-fee Visa credit card to earn cash back.
Plus, you can enjoy an introductory rate of 0.99% on balance transfers for the first six months.
Frequently Asked Questions on Desjardins Credit Cards
Here are some 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. This Desjardins credit card offers up to 2% cash back and has no annual fee.
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 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.
BONUSDOLLARS or cash back?
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.
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. In addition, these are credit cards with no annual fee.
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 low-interest credit card: the Desjardins Flexi Visa card.
With the Desjardins Flexi Visa card, you get a 10.9% interest rate 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 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).
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 many advantages reserved for Visa Infinite credit cardholders:
- Visa Infinite Luxury Hotel Collection
- Visa Infinite Concierge
- Visa Infinite Insurance
- 6 complimentary accesses to VIP airport lounges
Which credit bureau is verified by Desjardins?
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 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.
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 do I increase my Desjardins credit card limit?
If you wish to increase the limit of your Desjardins credit card, you can follow the steps below:
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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.
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Find your credit card: In your online account, locate your Desjardins credit card in the “My accounts” section.
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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.
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Submit your application: Once you have provided all the required details, submit your application by clicking on the “Submit” button.
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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 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.