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 20.90%

Cash Advance Rates 21.90%

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

This section sets out the maximum coverage amounts or periods. Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.

Other Insurance

Extended Warranty

1 year

Purchase Protection

90 day(s)

Mobile Device Insurance

$1,000

1 year

Price Protection

Our review

The Desjardins Visa Cash Back Card 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: