Desjardins Cash Back Mastercard

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

Groceries

GAS / TRANSPORT

DINING

TRAVEL

BILLS

OTHER

Year 1

Year 2+

Welcome Bonus

0 $

Annual Credit

Travel benefits

VIP Lounges

First year offer value

Rewards Earned

Annual fee

Net value

How we value points and benefits.

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

CIBC Dividend^® Visa* Card

Up to $100 cash back

First year value : $338

No annual fee

Apply Now Terms apply

Learn More

Offer
Card Details
Rewards
Advantages

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)

Milesopedia Links

CIBC's Best Credit Cards
The Best Cash Back Credit Cards in Canada
The Best Cash Back Credit Cards in Canada
The best no annual fee credit card offers

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

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NBC mycredit Mastercard

$75 cash back

Ends Jun 30, 2023

First year value : $223

No annual fee
Purchase Insurance
Accepted at Costco

Apply Now Terms apply

Learn More

Offer
Card Details
Rewards
Advantages

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 %

Milesopedia Links

Best NBC Credit Cards - National Bank of Canada
The Best Cash Back Credit Cards in Canada

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

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Tangerine Money-Back Credit Card

Up to $100 cash back

Ends Jul 5, 2023

First year value : $220

No annual fee
Accepted at Costco

Apply Now Terms apply

Learn More

Offer
Card Details
Rewards
Advantages

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 %

Milesopedia Links

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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

{"main":{"value":"150","welcome_bonus":"Up to $100 cash back","estimated_value":160,"mc_welcome_bonus_amount":"100","minimum_spending":"$1,000","minimum_spending_timeframe_months":"2 month(s)","best_for":[{"term_id":785,"name":"Grocery stores","slug":"grocery","term_group":0,"term_taxonomy_id":785,"taxonomy":"mc_best_for","description":"","parent":0,"count":64,"filter":"raw","term_order":"0"},{"term_id":792,"name":"Recurring payments","slug":"recurring-payments","term_group":0,"term_taxonomy_id":792,"taxonomy":"mc_best_for","description":"","parent":0,"count":27,"filter":"raw","term_order":"0"},{"term_id":787,"name":"Drugstores","slug":"drugstores","term_group":0,"term_taxonomy_id":787,"taxonomy":"mc_best_for","description":"","parent":0,"count":16,"filter":"raw","term_order":"0"},{"term_id":38931,"name":"Balance transfer","slug":"balance-transfer","term_group":0,"term_taxonomy_id":38931,"taxonomy":"mc_best_for","description":"","parent":0,"count":12,"filter":"raw","term_order":"0"}],"annual_fee":"0.00","first_year_fee":false,"loyalty_slug":"cashback","card_slug":"tangerine-money-back-credit-card"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":694,"name":"Cash Back","slug":"cash-back","term_group":0,"term_taxonomy_id":694,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":77,"filter":"raw","term_order":"0"},{"term_id":46408,"name":"Balance Transfer","slug":"balance-transfer","term_group":0,"term_taxonomy_id":46408,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":13,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":4250,"name":"Cashback","slug":"cashback","term_group":0,"term_taxonomy_id":4250,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":52,"filter":"raw","term_order":"0"},"rewards_groceries":"0.5","rewards_gas_stations":"0.5","rewards_restaurants":"0.5","rewards_travel":"0.5","rewards_recurring_payments":"0.5","rewards_allspending":"0.5","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$0","mc_foreign_fee":"2.5%","mc_purchase_rates":"19.95%","mc_cash_advance_rates":"19.95%","mc_balance_transfer_rates":"19.95%","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":false,"mc_trip_cancellation_insurance":false,"mc_trip_interruption_insurance":false,"mc_medical_travel_insurance":false,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":false,"mc_lost_baggage_insurance":false,"mc_auto_rental_loss":false,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":false,"mc_purchase_protection":true,"mc_extended_warranty":true}}

2 Milesopedia Rating