Offer

2% cash back on purchases in the Restaurant and Pre-Authorized Payment categories (up to $3,600 in purchases during the year – beyond that, the earning rate drops to 0.5%)
2% cash back on purchases in the Entertainment and Public Transit categories
0.5% cash back on your other purchases

Fees & Conditions

Personal Income $0

Household Income $0

Annual Fee $0

First Additional Card $0

Foreign Transaction Fee 2.5%

Purchase Rates 20.9%

Cash Advance Rates 21.9%

Advantages

Costco

Earnings

Per dollar of purchases

All Spending 0.5 %

Groceries 0.5 %

Gas 0.5 %

Dining and Food delivery 2 %

Convenience Stores 0.5 %

Drugstores 0.5 %

Local Transport 2 %

Travel 0.5 %

Entertainment 2 %

Recurring Payments 2 %

Telecom/Internet 0.5 %

Streaming services 0.5 %

Online transactions 0.5 %

Office Supplies 0.5 %

Insurance

Travel Insurance

Travel Medical Insurance

Travel medical insurance up to 54 years old

$5,000,000

3 day(s)

Travel medical insurance up to 64 years old

$5,000,000

3 day(s)

Travel medical insurance 65+

$5,000,000

3 day(s)

Trip Cancellation Insurance

$500

Trip Interruption Insurance

$1,000

Common Carrier Travel Accident Insurance

Flight Delay Insurance

Delayed Baggage Insurance

$500

Lost/Stolen Baggage Insurance

$500

Auto Rental Loss/Insurance

Hotel/Motel Burglary Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

Extended Warranty

1 year

Purchase Protection

90 day(s)

Mobile Device Insurance

$1,000

1 year

Price Protection

Our review

The Desjardins Cash Back Mastercard is a credit card with no annual fee.

With this card you can get:

2% cash back on purchases in the Restaurant and Pre-Authorized Payment categories (up to $3,600 in purchases during the year – beyond that, the earning rate drops 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 insurances for your purchases: