Desjardins Cash Back World Elite Mastercard

Desjardins Cash Back World Elite Mastercard
Apply Now
Conditions apply

Desjardins Cash Back World Elite Mastercard

Welcome Bonus

No Welcome Offer

Best For

Value
Year 1

$322

Years 2 and +

$322

Annual Fee

$100

Interest rates
Purchase Rates

19.9 %

Cash Advance Rates

19.9 %

Balance Transfer Rates

Your Monthly Spending

Offer

Offer
  • 4% cash back on grocery purchases
  • 3% cash back on restaurant purchases
  • 3% cash back on entertainment purchases
  • 3% cash back on public transportation purchases
  • 1% cash back on all other purchases

Fees & Conditions

Personal Income $80,000
Household Income $150,000
Annual Fee $100
First Additional Card $30
Foreign Transaction Fee 2.5%
Purchase Rates 19.9%
Cash Advance Rates 19.9%

Value

Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Accumulated rewards
Annual fee
Net value

Advantages

Costco

Earnings

Per dollar of purchases

All Spending 1 %
Groceries 4 %
Gas 1 %
Dining and Food delivery 3 %
Convenience Stores 1 %
Drugstores 1 %
Local Transport 3 %
Travel 1 %
Entertainment 3 %
Recurring Payments 1 %
Telecom/Internet 1 %
Streaming services 1 %
Online transactions 1 %
Office Supplies 1 %

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
$65,000
48 day(s)
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

Alternative Cards

Up to $250 cash back
Best of July 2022
  • 4% cash back on groceries and gas
  • Purchase Insurance
  • Visa Infinite Benefits
Apply Now
Conditions apply

Get a first-year annual fee rebate for you and up to three Authorized Users† and 10% cash back for the first 4 statements on net purchases of up to $2,500.†

After that, get 4% cash back on eligible gas and grocery purchases.†

  • 2% cash back on eligible transportation, dining purchases and recurring payments†
  • 1% 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 and use your CIBC Dividend® Visa Infinite* 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 $120
  • Additional card $30
Annual Income Required
  • Individual $60,000
  • Household $100,000
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
  • Groceries4points
  • Gas4points
  • Dining and Food delivery2points
Value
  • Year 1 $881
  • Year 2+ $391
Best For
Transfer Partners
  • Cashback

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Crédit pour des voyages

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
10 day(s)
Travel medical insurance up to 64 years old
$5,000,000
10 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
Up to $290 cash back†
Ends Sep 5, 2022
  • 3% cash back on groceries and gas
  • Premium Insurance
  • Visa Infinite Benefits
Apply Now
Conditions apply

Apply online by September 5, 2022 and earn 10% Cash Back on all Purchases for the first 3 months up to a total spend of $2,000. After your first $2,000 in Purchases, Gas Purchases, Grocery Purchases and Pre-Authorized Payments will continue to earn 6% up to a total spend of $3,500 for the first 3 months. Plus, no Annual Fee for the first year for the Primary and Additional Cardholders. To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.

  • Earn 3% in Cash Back Dollars on eligible grocery Purchases and gas Purchases, and on regularly recurring bill payments set up on your account
  • Earn 1% Cash Back Dollars on all other Purchases made with your Card
  • Earn Cash Back Dollars on every eligible purchase.
  • Redeem your Cash Back Dollars to help pay down your Account balance whenever you please – the choice is yours!
  • Your Cash Back Dollars never expire as long as your account is open and in good standing
  • Emergency Road Services with Deluxe TD Auto Club Membership, valued at $79.00, is included with the product.
Legal

Terms and conditions apply.

Annual Fee
  • Primary card $120
  • Additional card $50
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 20.99 %
  • Balance Transfer Rates 20.99 %
Earning Rate
  • Groceries3points
  • Gas3points
  • Recurring Payments3points
Value
  • Year 1 $890
  • Year 2+ $360
Best For
Transfer Partners
  • Cashback

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Crédit pour des voyages

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$2,000,000
10 day(s)
Travel medical insurance up to 64 years old
$2,000,000
10 day(s)
Travel medical insurance 65+
$2,000,000
4 day(s)
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
  • 5% cash back on groceries
  • 3% cash back on gas
  • Accepted at Costco
Apply Now
Conditions apply
  • Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year*
  • Earn more cash back on the categories that mean the most:
    • 5% on groceries*
    • 4% on transit including ride sharing, taxis and public transportation*
    • 3% on gas and electric vehicle charging*
    • 2% on recurring bill payments like your monthly phone bill or favourite streaming service*
    • 1% unlimited cashback on all other purchases*
  • Get the highest cash back earn rate on groceries in Canada.*
  • Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
  • Access over 1 million Wi-Fi hotspots around the world – all at no added cost, and no added fees or roaming charges*
  • Complimentary membership in Mastercard Airport Experiences provided by LoungeKey*.
  • Complimentary Roadside Assistance Program*
  • Extended Warranty Plus*
  • Purchase Protection Plus*
  • BMO CashBack World Elite Travel and Medical Protection*
  • Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
Legal

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information *Terms and conditions apply †Statement based on a comparison of the non-promotional grocery rewards earn rate on Canadian cash back credit cards as of June 1, 2022

Annual Fee
  • Primary card $120
  • Additional card $50
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 23.99 %
  • Balance Transfer Rates 23.99 %
Earning Rate
  • Groceries5points
  • Local Transport4points
  • Gas3points
Value
  • Year 1 $920
  • Year 2+ $420
Best For
Transfer Partners
  • Cashback

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Crédit pour des voyages

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$2,000,000
8 day(s)
Travel medical insurance up to 64 years old
$2,000,000
8 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$200
Lost/Stolen Baggage Insurance
$750
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
Up to $400 cash back
Best of July 2022
  • 2% cash back on all purchases
  • Purchase Insurance
  • American Express Online Promotional Offers
Apply Now
Conditions apply
  • New SimplyCash™ Preferred Card from American Express Cardmembers can earn 10% cash back on all eligible purchases (up to $400 cash back) for the first 4 months of Cardmembership
  • Earn 2.0% cash back when your Welcome Rate ends
  • No limit to the amount of cash back you can earn after your Welcome Rate ends
  • Access to memorable experiences with American Express Invites
  • Extensive insurance coverage and 24/7 Customer Service
Legal

American Express is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information, click on the Apply now link. Terms and conditions apply.

Annual Fee
  • Primary card $99
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 21.99 %
  • Balance Transfer Rates 21.99 %
Earning Rate
  • All Spending2points
  • Groceries2points
  • Gas2points
Value
  • Year 1 $781
  • Year 2+ $381
Best For
Transfer Partners
  • Cashback

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Crédit pour des voyages

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
15 day(s)
Travel medical insurance up to 64 years old
$5,000,000
15 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$100,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$85,000
48 day(s)
Hotel/Motel Burglary Insurance
$500
35,000 Points
Ends Aug 31, 2022
Best of July 2022
  • Premium Insurance
  • Up to $250 Annual Credit
  • Accepted at Costco
Apply Now
Conditions apply
  • Exclusive Offer: Earn 35,000 points after $3,000 in Card purchases
  • First-year annual fee waiver for the main cardholder and for the first authorized user added to the account
  • Up to 2 points per dollar spent
  • Get a refund of up to $250 per year on seat selection, airport parking and baggage fees
  • Enjoy up to 60 days’ coverage with our travel, trip cancellation/interruption, baggage loss and car rental insurance
  • Trade you reward points without restrictions: gift cards, branded articles and travel rebates.
  • Experience the ultimate in comfort at the National Bank VIP Lounge at Montreal-Trudeau International Airport
Legal

Promotion valid from February 14, 2022 to August 31, 2022 for the National Bank Platinum and World EliteTM MastercardTM credit cards. To take advantage of this offer, you must sign up for an eligible National Bank credit card by August 31, 2022. This promotion is only valid through our partner Les services milesopedia Inc. 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.

Savings on annual fees for the first year:

The annual fees for the card will be refunded for the first year for the main cardholder and for the first authorized user added to the account. To receive the annual fee refund for the first authorized user, they must be added on the account opening application. Annual fees will appear as a charge and credit on the 4th statement, at the latest, after your account is opened.

The primary cardholder is responsible for all charges to the account, including those incurred by authorized users.

Bonus rewards points:

The 35,000 rewards points 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:

Platinum and or World EliteTMMastercardTMcredit cards: get 35,000 rewards points if $3,000 in net purchases are charged to the credit card account within the first three months following account opening.

The account must be in good standing at the time the annual fees are refunded and bonus rewards points are applied.

The net purchases charged to your card are calculated over a period of three months, starting at account opening. For example, if the account is opened October 15,2021 the account holder will have until January 15, 2022 to charge the required amount of purchases to the account and obtain the bonus rewards points. For example, if the account is opened June 15, 2022, the account holder will have until September 15, 2022 to charge the required amount of purchases to the account and obtain the bonus rewards points.

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 35,000 rewards points 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 $150
  • Additional card $50
Annual Income Required
  • Individual $80,000
  • Household $150,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.49 %
  • Balance Transfer Rates 22.49 %
Earning Rate
  • All Spending1.5points
  • Groceries1.5points
  • Gas1.5points
Value
  • Year 1 $1439
  • Year 2+ $824
Best For
Transfer Partners
  • BNC Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Crédit pour des voyages

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
60 day(s)
Travel medical insurance up to 64 years old
$5,000,000
31 day(s)
Travel medical insurance 65+
$5,000,000
15 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
3 Milesopedia Rating