Desjardins Cash Back Visa Card

Desjardins Cash Back Visa Card

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

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

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
2 Milesopedia Rating