Best Desjardins Credit Cards in Canada - October 2026

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.

Our selection — Desjardins
Credit card	Annual fee	Welcome offer
Desjardins Odyssey^® World Elite^® Mastercard Apply NowCompareRead review	Annual fee$130	Welcome offer No current welcome offer	Apply NowCompareRead review
Desjardins Odyssey Visa Infinite Privilege Card Apply NowCompareRead review	Annual fee$395	Welcome offer No current welcome offer	Apply NowCompareRead review
Desjardins Cash Back World Elite Mastercard Apply NowCompareRead review	Annual fee$100	Welcome offer No current welcome offer	Apply NowCompareRead review
Desjardins Odyssey^® Gold Visa Card Apply NowCompareRead review	Annual fee$110	Welcome offer No current welcome offer	Apply NowCompareRead review
Desjardins Cash Back Visa Apply NowCompareRead review	Annual fee$0	Welcome offer No current welcome offer	Apply NowCompareRead review
Desjardins Bonus Visa* Credit Card Apply NowCompareRead review	Annual fee$0	Welcome offer No current welcome offer	Apply NowCompareRead review
Desjardins Cash Back Mastercard Apply NowCompareRead review	Annual fee$0	Welcome offer No current welcome offer	Apply NowCompareRead review
Desjardins Flexi Visa Card Apply NowCompareRead review	Annual fee$0	Welcome offer No current welcome offer	Apply NowCompareRead review
Desjardins Visa Business Card Apply NowCompareRead review	Annual feeFirst Year Annual Fee Rebate$60 $0First Year Annual Fee Rebate	Welcome offer$60 annual fee rebated First Year Annual Fee Rebate $60 annual fee rebated	Apply NowCompareRead review
Desjardins Visa Business Advantage Card Apply NowCompareRead review	Annual fee$25	Welcome offer No current welcome offer	Apply NowCompareRead review

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.

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Desjardins Odyssey^® World Elite^® Mastercard

Desjardins BONUSDOLLARS Desjardins

Annual fee: $130
Welcome offer: No current welcome offer

Annual fee

Primary card$130

Additional card$40

Annual income required

Individual$80,000

Household$150,000

Conversion fees

2.5%

Earning rate

3xGroceries
3xRestaurants
2xEntertainment
2xTravel
2xTransit
1xAll spending

Value

1st Year Value$452

2nd Year Value$632

Card benefits

Airport lounge access$320

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 60 days

Travel medical (55-64)Up to $5,000,000 / 31 days

Travel medical (65+)Up to $5,000,000 / 15 days

Trip CancellationUp to $2,500

Trip InterruptionIncluded

Delayed BaggageUp to $500

Lost BaggageUp to $1,000

Travel AccidentUp to $1,000,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+2 years

Mobile DeviceUp to $1,500 / 1 years

Auto Rental CollisionUp to $85,000 / 48 days

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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.

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Desjardins Odyssey Visa Infinite Privilege Card

Desjardins BONUSDOLLARS Desjardins

Annual fee: $395
Welcome offer: No current welcome offer

Annual fee

Primary card$395

Additional card$95

Annual income required

Individual$150,000

Household$200,000

Conversion fees

2.5%

Earning rate

4xEntertainment
4xRestaurants
3xGroceries
3xTravel
1.5xAll spending

Value

1st Year Value$328

2nd Year Value$549

Card benefits

Concierge service24/7

Airport lounge access$400

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 60 days

Travel medical (55-64)Up to $5,000,000 / 31 days

Travel medical (65+)Up to $5,000,000 / 15 days

Trip CancellationUp to $2,500

Trip InterruptionIncluded

Delayed BaggageUp to $1,000

Lost BaggageUp to $2,500

Travel AccidentUp to $1,000,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+2 years

Mobile DeviceUp to $1,500 / 1 years

Auto Rental CollisionUp to $85,000 / 48 days

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Desjardins Cash Back World Elite Mastercard

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

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Desjardins Cash Back World Elite Mastercard

Desjardins Cash Back

Annual fee: $100
Welcome offer: No current welcome offer

Annual fee

Primary card$100

Additional card$30

Annual income required

Individual$80,000

Household$150,000

Conversion fees

2.5%

Earning rate

4xGroceries
3xRestaurants
3xTransit
3xEntertainment
1xAll spending

Value

1st Year Value$572

2nd Year Value$322

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 3 days

Travel medical (55-64)Up to $5,000,000 / 3 days

Travel medical (65+)Up to $5,000,000 / 3 days

Trip CancellationUp to $500

Trip InterruptionUp to $1,000

Delayed BaggageUp to $500

Lost BaggageUp to $500

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+2 years

Mobile DeviceUp to $1,500 / 1 years

Auto Rental CollisionUp to $85,000 / 48 days

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Desjardins Odyssey^® Gold Visa Card

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.

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Desjardins Odyssey^® Gold Visa Card

Desjardins BONUSDOLLARS Desjardins

Annual fee: $110
Welcome offer: No current welcome offer

Annual fee

Primary card$110

Additional card$30

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

2xBills & recurring payments
2xTravel
2xRestaurants
2xTransit
2xEntertainment
1xOnline purchases
1xOffice
1xConvenience
1xPharmacy
1xGroceries
1xGas & EV
1xStreaming
1xTelecom
0.65xAll spending

Value

1st Year Value$277

2nd Year Value$185

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 60 days

Travel medical (55-64)Up to $5,000,000 / 31 days

Travel medical (65+)Up to $5,000,000 / 15 days

Trip CancellationUp to $2,500

Trip InterruptionIncluded

Delayed BaggageUp to $500

Lost BaggageUp to $1,000

Travel AccidentUp to $1,000,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 1 years

Auto Rental CollisionUp to $85,000 / 48 days

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Desjardins Cash Back Visa

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

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Desjardins Cash Back Visa

Desjardins Cash Back

Annual fee: $0
Welcome offer: No current welcome offer

Annual fee

Primary card$0

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

2xBills & recurring payments
2xRestaurants
2xTransit
2xEntertainment
0.5xAll spending

Value

1st Year Value$285

2nd Year Value$203

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 3 days

Travel medical (55-64)Up to $5,000,000 / 3 days

Travel medical (65+)Up to $5,000,000 / 3 days

Trip CancellationUp to $500

Trip InterruptionUp to $1,000

Delayed BaggageUp to $500

Lost BaggageUp to $500

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 1 years

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Desjardins Bonus Visa* Credit Card

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

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Desjardins Bonus Visa* Credit Card

Desjardins BONUSDOLLARS Desjardins

Annual fee: $0
Welcome offer: No current welcome offer

Annual fee

Primary card$0

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

2xBills & recurring payments
2xTransit
2xEntertainment
2xRestaurants
0.5xAll spending

Value

1st Year Value$285

2nd Year Value$203

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 3 days

Travel medical (55-64)Up to $5,000,000 / 3 days

Travel medical (65+)Up to $5,000,000

Trip CancellationUp to $500

Trip InterruptionUp to $1,000

Delayed BaggageUp to $500

Lost BaggageUp to $500

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 1 years

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Desjardins Cash Back Mastercard

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

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Desjardins Cash Back Mastercard

Desjardins Cash Back

Annual fee: $0
Welcome offer: No current welcome offer

Annual fee

Primary card$0

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

2xRestaurants
2xBills & recurring payments
2xTransit
2xEntertainment
0.5xAll spending

Value

1st Year Value$285

2nd Year Value$203

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 3 days

Travel medical (55-64)Up to $5,000,000 / 3 days

Travel medical (65+)Up to $5,000,000 / 3 days

Trip CancellationUp to $500

Trip InterruptionUp to $1,000

Delayed BaggageUp to $500

Lost BaggageUp to $500

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 1 years

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Desjardins Flexi Visa Card

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.

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Desjardins Flexi Visa Card

Desjardins

Annual fee: $0
Welcome offer: No current welcome offer

Annual fee

Primary card$0

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

0xAll spending

Value

2nd Year Value$0

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 3 days

Travel medical (55-64)Up to $5,000,000 / 3 days

Travel medical (65+)Up to $5,000,000 / 3 days

Trip CancellationUp to $500

Trip InterruptionUp to $1,000

Delayed BaggageUp to $500

Lost BaggageUp to $500

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000 / 1 years

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Desjardins Visa Business Card

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.

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Desjardins Visa Business Card

Business Desjardins First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $60
Our valuationMilesopedia 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.: $60
Welcome offer$60 annual fee rebated: First Year Annual Fee Rebate

Annual fee

Primary card$60

Conversion fees

2.5%

Earning rate

1xAll spending

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000

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Desjardins Visa Business Advantage Card

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

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Desjardins Visa Business Advantage Card

Business Desjardins

Annual fee: $25
Welcome offer: No current welcome offer

Annual fee

Primary card$25

Conversion fees

2.5%

Earning rate

1xAll spending

Travel insurance

Delayed BaggageIncluded

Lost BaggageIncluded

Flight DelayIncluded

Travel AccidentUp to $100,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000

Auto Rental CollisionUp to $85,000 / 48 days

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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

Desjardins Odyssey® World Elite® Mastercard

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Card benefits

Travel insurance

Purchase protection

Desjardins Odyssey Visa Infinite Privilege Card

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Card benefits

Travel insurance

Purchase protection

Desjardins Cash Back World Elite Mastercard

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Travel insurance

Purchase protection

Desjardins Odyssey® Gold Visa Card

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Travel insurance

Purchase protection

Desjardins Cash Back Visa

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Travel insurance

Purchase protection

Desjardins Bonus Visa* Credit Card

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Travel insurance

Purchase protection

Desjardins Cash Back Mastercard

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Travel insurance

Purchase protection

Desjardins Flexi Visa Card

Annual fee

Annual income required

Conversion fees

Earning rate

Value

Travel insurance

Purchase protection

Desjardins Visa Business Card

Annual fee

Conversion fees

Earning rate

Purchase protection

Desjardins Visa Business Advantage Card

Annual fee

Conversion fees

Earning rate

Travel insurance

Purchase protection

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Desjardins Odyssey^® World Elite^® Mastercard

Desjardins Odyssey^® Gold Visa Card