Desjardins Cash Back Mastercard | Milesopedia
Milesopedia

Desjardins Cash Back Mastercard

Desjardins Cash Back Mastercard
Welcome Bonus
No Welcome Offer
Annual Fee
$0
  • No annual fee
  • Accepted at Costco
Interest rates
Purchase Rates
19.9 %
Cash Advance Rates
19.9 %
Balance Transfer Rates

Offer

  • Earn 2% cash back on restaurant, entertainment, transit and pre-authorized debit purchases
  • Get 0.5% cash back on other purchases

Fees & Conditions

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

Value

Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Rewards Earned
Annual fee
Net value

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

Insurance Name
Included
Amount
Duration
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

Other Insurance

Insurance Name
Included
Amount
Duration
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 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
Milesopedia Links

Alternative Cards

Welcome Offer: Get 5% cash back for the first 4 statements on net purchases ofup to $2,000 (up to $100 cash back).†

After that, get 2% cash back on eligible grocery purchases and up to 1% on everyday purchases like books, movies, food and more†!

  • 1% cash back on eligible gas, EV charging, transportation, dining purchases and recurring payments†
  • 0.5% cash back on all other purchases†
  • Get cash back on demand – redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking®

Save on gas with CIBC and Journie Rewards

Link your CIBC Dividend® Visa* Card with Journie Rewards to automatically save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†

This is a digital-exclusive offer.† To be eligible for this offer, you must apply for a new eligible card using the “Apply Now” link available on this webpage.†

Legal

†Conditions Apply

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual
  • Household $15,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries2%
  • Gas1%
  • Dining and Food delivery1%
Value
  • Year 1 $338
  • Year 2+ $238
Best For
Transfer Partners
  • Cashback

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$100,000
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • No annual fee
  • Purchase Insurance
  • Accepted at Costco
Best credit card for newcomers in 2023
  • Exclusive Welcome Offer: Get $75 Cash Back
  • 1% cashback on purchases in restaurants and eligible recurring pre-authorized payments
  • 0.5% cashback on other eligible purchases
  • Mobile protection: Get insured against theft or damage for up to 2 years following the purchase of your mobile device
Legal

Promotion valid from March 1st, 2023 to 30 june, 2023 for the National Bank® mycredit® Mastercard® credit card.

To take advantage of this offer, you must apply for the National Bank® Mastercard® credit card before June 30, 2023. This promotion is only valid through our strategic partners. As a result, you can only apply by clicking on the link in one of the promotional emails sent by this partner, on one of the promotional banners on their website, or on one of their webpages.

$75 Cash Back Offer:
You will receive a $75 cashback if $1,500 in net purchases is charged to the credit card account within the first three months following account opening. The account must be in good standing at the time cashback is applied.

The $75 cashback given under this promotion will be credited to the credit card account in a single payment no later than the 5th statement following the account opening.

The net purchases charged to the card are calculated over a period of three months, starting at account opening. For example, if the account is opened February 15, 2023, the account holder will have until May 15, 2023 to charge the required amount of purchases to the account and obtain the $75 cashback.

Net purchases refer to the amount in purchases charged to the account less returns and refunds. Annual fees, balance transfers, cash advances (including transactions that can be converted directly to cash, such as money orders, traveller’s cheques and gambling transactions), interest charges and any other fees and adjustments are not considered purchases and are therefore not included in the calculation.

Eligibility and terms and conditions
– 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.
– There is a limit of $75 cashback per eligible credit card account during the promotional period, regardless of the number of credit cards associated with the account.
– It cannot be combined with any other National Bank credit card promotion.
– Employees of National Bank and its subsidiaries and entities are not eligible for this promotion.
– The promotion may be modified, extended or cancelled, without prior notice, at any time.

 

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.49 %
  • Balance Transfer Rates 22.49 %
Earning Rate
  • Dining and Food delivery1%
  • Recurring Payments1%
  • Telecom/Internet1%
Value
  • Year 1 $223
  • Year 2+ $148
Best For
Transfer Partners
  • Cashback

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
Best no-fee cash back credit card in 2023
  • Apply for a Tangerine Money-Back Credit Card by July 5, 2023 and earn an extra 10% back (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.*
  • Get a low promotional interest rate of 1.95% on balance transfers for 6 months
  • Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
  • Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
  • No limit on the amount of Money-Back Rewards you can earn. Change your 2% Money-Back Categories to suit your spending.
  • Purchase protection and Extended Warranty
Legal

Terms and conditions apply.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.95 %
  • Cash Advance Rates 19.95 %
  • Balance Transfer Rates 19.95 %
Earning Rate
  • All Spending0.5%
  • Groceries0.5%
  • Gas0.5%
Value
  • Year 1 $220
  • Year 2+ $120
Best For
Transfer Partners
  • Cashback

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
2 Milesopedia Rating