Desjardins Bonus Visa* Credit Card

Desjardins Bonus Visa* Credit Card

Get up to 2% in BONUSDOLLARS rewards for your purchases

Welcome Bonus

None

Best For

Value
Year 1

$203

Years 2 and +

$203

Annual Fee

$0

Interest rates
Purchase Rates

19.9 %

Cash Advance Rates

19.9 %

Balance Transfer Rates

Your Monthly Spending

Offer

Offer
  • 2% in BONUSDOLLARS rewards on restaurants
  • 2% in BONIDOLLARS rewards for entertainment
  • 2% in BONUSDOLLARS rewards for public transport
  • 2% in BONUSDOLLARS rewards for pre-authorized payments
  • 0.5% in BONIDOLLARS rewards for other purchases

Fees & Conditions

Personal Income $0
Household Income $0
First Additional Card $0
Foreign Transaction Fee 2.5%
Purchase Rates 19.9%
Cash Advance Rates 19.9%

Value

Year 1
Years 2 and +
Welcome bonus
0 $
Annual credit
Travel benefits
VIP lounges
First-Year Offer Value
Accumulated rewards
Annual fee
Net value
Value

Reward points value

We have established a valuation of the reward point in cents for each loyalty program. More information on the points valuation page.

First-year value

For all credit cards offers, we estimate the value of the welcome offer (bonus, annual fee rebate) in the first year, plus the value of the rewards earned based on your purchases entered in the calculator for the six categories:

  • Grocery
  • Gas/Transit
  • Meals
  • Travel
  • Bills
  • Other purchases

First-Year Net Value = Welcome Bonus Value + Benefits (Annual Credit, VIP lounges, etc.) + Earned Rewards First-Year Annual Fee

Value of subsequent years

For the value of subsequent years, we consider the earned rewards based on your purchases indicated in the calculator and any benefits offered.

Subsequent years’ net value = Earned Rewards + Benefits (Annual Credit, VIP lounges, etc.) Annual fee

VIP lounges:

For credit cards with complimentary airport lounge access, this benefit is calculated as follows:

  • 1 access = $35
  • Unlimited access = $350 (the value of 10 annual visits)

Earnings

All Spending 0.5 point
Drugstores 0.5 point
Groceries 0.5 point
Convenience Stores 0.5 point
Gas 0.5 point
Telecom/Internet 0.5 point
Local Transport 2 points
Streaming services 0.5 point
Dining and Food delivery 2 points
Online transactions 0.5 point
Recurring Payments 2 points
Office Supplies 0.5 point
Travel 0.5 point
Entertainment 2 points

Insurance

Delayed Baggage Amount $500
Lost/Stolen Baggage Insurance Amount $500
Trip Cancellation Insurance Amount Per Person $500
Trip Interruption Insurance Amount Per Person $1,000
Travel medical insurance up to 64 years old - Amount $5,000,000
Travel medical insurance up to 64 years old - Duration 3 day(s)
Travel medical insurance 65+
Purchase Protection
Purchase Protection - Duration 90 day(s)
Mobile Device Insurance
Travel Medical Insurance
Extended Warranty
Extended Warranty - Duration 1 year

Alternative Cards

BEST OFFERS
NBC mycredit Mastercard
Welcome Bonus: None
Annual Fee: $0
Purchase Rates: 20.99%
Cash Advance Rates: 22.49%
Balance Transfer Rates: 22.49%
Welcome Bonus: None
Annual Fee: $0
Purchase Rates: 20.99%
Cash Advance Rates: 22.49%
Balance Transfer Rates: 22.49%
BMO CashBack® Mastercard®* Terms & Conditions
Welcome Bonus: Up to 100 $ cash back
Year 1

$358

Years 2 and +

$258

Annual Fee: $0
Purchase Rates: 19.99%
Cash Advance Rates: 22.99%
Balance Transfer Rates: 22.99%
Welcome Bonus: Up to 100 $ cash back
Year 1

$358

Years 2 and +

$258

Annual Fee: $0
Purchase Rates: 19.99%
Cash Advance Rates: 22.99%
Balance Transfer Rates: 22.99%
CIBC Dividend® Visa* Card
Welcome Bonus: Up to 100 $ cash back
Year 1

$375

Years 2 and +

$275

Annual Fee: $0
Purchase Rates: 20.99%
Cash Advance Rates: 22.99% | Quebec: 21.99%
Balance Transfer Rates: 22.99%
Welcome Bonus: Up to 100 $ cash back
Year 1

$375

Years 2 and +

$275

Annual Fee: $0
Purchase Rates: 20.99%
Cash Advance Rates: 22.99% | Quebec: 21.99%
Balance Transfer Rates: 22.99%
Tangerine Money-Back Credit Card
Welcome Bonus: Up to 150 $ cash back Ends Dec 31, 2021
Year 1

$220

Years 2 and +

$120

Annual Fee: $0
Purchase Rates: 19.95%
Cash Advance Rates: 19.95%
Balance Transfer Rates: 19.95%
Welcome Bonus: Up to 150 $ cash back Ends Dec 31, 2021
Year 1

$220

Years 2 and +

$120

Annual Fee: $0
Purchase Rates: 19.95%
Cash Advance Rates: 19.95%
Balance Transfer Rates: 19.95%
SimplyCash™ from American Express
Welcome Bonus: Up to 200 $ cash back
Year 1

$500

Years 2 and +

$300

Annual Fee: $0
Purchase Rates: 19.99%
Cash Advance Rates: 21.99%
Balance Transfer Rates: 21.99%
Welcome Bonus: Up to 200 $ cash back
Year 1

$500

Years 2 and +

$300

Annual Fee: $0
Purchase Rates: 19.99%
Cash Advance Rates: 21.99%
Balance Transfer Rates: 21.99%
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