You’ve earned BONUSDOLLARS with your Desjardins credit card but don’t know how to use them effectively? This comprehensive guide explains everything you need to know about the Desjardins BONUSDOLLARS program, from the different ways you can use them to the credit cards that let you earn more.
How can you use your Desjardins BONUSDOLLARS?
BONUSDOLLARS is essentially a cash-back program. For every 1 BONUSDOLLAR earned, you’ll get 1 dollar to redeem on bonidollars.ca in the category:
Restaurant,
Entertainment
Travel
Transportation
You can even use your credit card to make a donation to a non-profit organization.
The minimum to redeem is 20 BONUSDOLLARS. In the catalogue, gift cards come in $25, $50 or $100 denominations (according to Desjardins, checked October 26, 2026).
Desjardins groups redemptions into 3 categories: gift cards, financial products and services, and reimbursement of eligible purchases (restaurant, entertainment, travel, alternative transportation and donations). Some options are more advantageous than others.
How do I redeem my BONUSDOLLARS for gift certificates in the catalog?
The BONUSDOLLARS gift card catalogue offers access to multiple rewards to suit every consumer profile with over 40 partner brands.
According to Desjardins (checked October 26, 2026), the catalogue offers digital and physical gift cards worth $25, $50 or $100, grouped by category on bonidollars.ca. Here are the brands we had noted (the selection changes regularly):
Arts, culture and entertainment: Indigo, Cineplex, DeSerres, Disney, Archambault
Electronics and technology: Apple, Canadian Tire, The Source, Best Buy, Tanguay
Home & Garden: Canadian Tire, The Home Depot, Rona, HomeSense, Winners, Tanguay, BBQ Quebec
Fashion and accessories: Luluelemon, Decathlon, Ardene, Harry Rosen, Reitmans, Roots, La Vie En Rose, Browns, Golf Town, Sport Chek
Food and beverages: The Keg Steakhouse + Bar, LCBO, Cora, SAQ, Uber Eats, Metro
Health and wellness: Sephora, Club Piscine, Strom Spa
Sports and fitness: Canadian Tire, Décathlon, Lululemon, Sporting Life, Sail, Golf Town, Sport Chek
Travel and leisure: Esso, Uber, Petro Canada, WaySPa, Disney, Air Canada, Ôrigine hotel artisans
Retailers: including all these brands as well as Renaud-Bray, Cooki-it, Anne-Marie Chagnon, Costco, La Cordée
You’ll have to look for the gift card you like best. However, we invite you to compare the value of the products with what you might find on the market. Prices are not necessarily that far from the market (unlike other loyalty programs that sell their toasters for up to twice as much)!
BONUSDOLLARS in exchange for tickets to shows, movies, theaters, attractions and museums
Here, it is a cashback. You must have bought your tickets through traditional distributors (example: Evenko). Once the expense appears on your Desjardins credit card account, you can use your BONUSDOLLARS.
You have the option to use your BONUSDOLLARS in whole or in part.
Here is the procedure:
Online from a computer
Go to AccèsD
Choose the card associated with the BONUSDOLLARS to exchange
In the right-hand menu, click on BONUSDOLLARS
Click on Exchange BONUSDOLLARS
Select the Eligible Transactions category
In the mobile application
Log on to the Desjardins Mobile Services application
Select the credit card of your choice under My Accounts or Favorites
Press Information
Choose BONUSDOLLARS
Press Exchange BONUSDOLLARS
Select the Eligible Transactions category
Please note: this discount must be made within 60 days of purchase. In addition, the minimum discount is 20 BONUSDOLLARS.
This is a good use case for your BONUSDOLLARS: you won’t pay more for your reward since you buy the entertainment tickets yourself!
BONUSDOLLARS in exchange for financial products and services
You can also use your BONUSDOLLARS in exchange for financial products and services offered by Desjardins:
Insurance: savings life insurance and loan insurance, auto and home insurance, travel insurance and accident insurance (Accirance)
Savings: RRSP, RESP or TFSA opened at a caisse or in AccèsD (term savings, market-linked guaranteed investments, Desjardins Funds) or held with Desjardins Securities or Desjardins Online Brokerage, and Capital régional et coopératif Desjardins shares (Quebec only)
Financing: auto loan, personal loan and mortgage
How to redeem BONUSDOLLARS for financial products and services
You have the option to use your BONUSDOLLARS in whole or in part.
Here is the procedure:
Online from a computer
Go to AccèsD
Choose the card associated with the BONUSDOLLARS to exchange
In the right-hand menu, click on BONUSDOLLARS
Click on Exchange BONUSDOLLARS
Choose the Financial products and services category
In the mobile application
Log on to the Desjardins Mobile Services application
Select the credit card of your choice under My Accounts or Favorites
Press Information
Choose BONUSDOLLARS
Press Exchange BONUSDOLLARS
Select the Financial products and services category
According to Desjardins, BONUSDOLLARS cannot be used to get cash, pay the card's annual fee, or repay Accord D financing or an instalment payment. They cannot pay the card balance either, except with the Odyssey Visa Infinite Privilege card.
This is a good use case for your BONUSDOLLARS: you can pay part or all of your insurance premiums, invest in a savings product or make a principal repayment on Desjardins financing (according to Desjardins, checked October 26, 2026).
In short, Desjardins financial products and services offer a wide range of redemption options. It’s a good way to use your BONUSDOLLARS if you don’t have any trips planned!
By paying for your trip with your Desjardins credit card, you are covered by travel insurance.
One of the big advantages of your BONUSDOLLARS is that you can apply them to any travel expense. If you don’t like restricted travel miles or points, then BONUSDOLLARS are for you.
As for entertainment expenses, here you can use all or part of your BONUSDOLLARS to pay for your trip.
The travel expenses for which you can redeem your BONUSDOLLARS are varied:
Hotel, B&B…
Plane, train, bus
And even against public transport tickets (commuter train, metro, bus).
How to exchange BONUSDOLLARS for a trip
To use your BONUSDOLLARS for a travel expense, you must :
Online from a computer
Go to AccèsD
Choose the card associated with the BONUSDOLLARS to exchange
In the right-hand menu, click on BONUSDOLLARS
Click on Exchange BONUSDOLLARS
Select the Eligible Transactions category
In the mobile application
Log on to the Desjardins Mobile Services application
Select the credit card of your choice under My Accounts or Favorites
Press Information
Choose BONUSDOLLARS
Press Exchange BONUSDOLLARS
Select the Eligible Transactions category
Please note: this discount must be made within 60 days of purchase. In addition, the minimum discount is 20 BONUSDOLLARS.
BONUSDOLLARS, a good deal or not?
The BONUSDOLLARS program has the merit of being simple, but it isn’t very rewarding. Its credit cards don’t offer a welcome bonus, unlike most credit cards in Canada.
Most people who want to earn even more cash back or points turn to cards with flexible points or rebates. For example:
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$250Annual fee rebated$120Total$370Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
The CIBC Dividend® Visa Infinite* Card is one of Canada’s best Visa cash back credit cards.
With this offer, get up to $350 in value:
A 10% cash back welcome bonus of up to $200 on net purchases up to $2,000 (first 4 statements)
A $50 cash back when setting up a pre-authorized payment (first 4 months)
A first year annual fee rebate (worth $120)
With this CIBC cash back credit card, you earn:
4% cash back on eligible gas, electric vehicle charging, and grocery purchases†
2% cash back on eligible transportation and dining purchases and on eligible recurring bill payments†
1% cash back on all other purchases†
For example, if you spend $1,000 per month on groceries and/or gas and/or electric vehicle charging, you’ll earn $40 cash back per month or $480 cash back per year with this card for this category of purchases!
This CIBC cash back credit card offers many insurance coverages:
Auto Rental Collision/Loss Damage Insurance
$500,000 Common Carrier Accident Insurance
Out-of-Province Emergency Travel Medical Insurance
Purchase Security and Extended Protection Insurance
Legal
This is a digital-exclusive offer.† To be eligible for this offer: 1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and 2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you. † This offer is reserved for you. Please do not forward it to anyone else.
This offer is reserved for you. Please do not forward it to anyone else. CIBC may approve your application, but you are not eligible to receive this Offer if you have opened, transferred or cancelled another Dividend card within the last 12 months.†
† Terms and conditions apply. Click on Apply Now to learn more.
Annual fee
Primary card$120
Additional card$50
Annual income required
Individual$60,000
Household$100,000
Conversion fees
2.5%
Earning rate
4xGas
4xGroceries
2xRestaurants
2xBills & recurring payments
2xTransit
1xAll spending
Value
1st Year Value$994
2nd Year Value$391
Card benefits
Concierge service24/7
Travel insurance
Travel medical (under 55)Up to $5,000,000 / 10 days
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$255Total$255Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$255
Welcome offerGet 1,250 points after $750 in purchases per month for 12 months
Apply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
The American Express Cobalt® Card is a versatile American Express card, whether you want points for travel or cash back.
American Express Cobalt® Card welcome offer
The welcome bonus is paid out monthly over your first 12 months. You earn 1,250 Membership Rewards points for each monthly billing period in which you charge $750 in net purchases to your card, in any category (1X, 2X, 3X or 5X). That adds up to 15,000 Membership Rewards points over the year, a welcome offer valued at $255.
Earning the full bonus means $9,000 in net purchases spread across 12 monthly billing periods. This offer rewards steady monthly spending rather than one large purchase.
You can use these points as statement credits on everyday or travel purchases, at the same rate either way: 1,000 points = $10.
You can also transfer them to Aeroplan, Avios (British Airways and Qatar Airways), Flying Blue, Marriott Bonvoy or Hilton Honors. With the full welcome bonus, that is a choice between:
15,000 Aeroplan points
15,000 Avios points
15,000 Flying Blue Miles
18,000 Marriott Bonvoy points
American Express Cobalt® Card benefits
Here is what the card gives you, starting with the benefits cardholders use most.
5X points on eligible eats and drinks in Canada: groceries, restaurants and bars, and home food delivery. A spend cap applies.
3X points on eligible streaming subscriptions in Canada.
2X points on eligible gas, public transit and ride sharing purchases in Canada.
1 additional point on eligible hotel and car rental bookings made through American Express Travel Online.
1X point per dollar on everything else, with no category restrictions.
Points that hold the same value either way: 1,000 points = $10 as a statement credit, or a 1:1 transfer to several airline and hotel loyalty programs.
No minimum income requirement, as with every American Express Canada card.
Additional cards at no extra cost: the first and every other supplementary card is $0.
The Hotel Collection: a room upgrade when available, 12pm check-in and late check-out when available, and up to $100 USD in hotel credit on amenities charged to the room for a stay of two or more consecutive nights, booked through American Express Travel.
Front Of The Line® presale and reserved tickets for concerts and theatre performances, plus offers and events curated for cardmembers through Amex Experiences.
A soft credit check before you apply: you can see whether you will be approved with no impact to your credit score. This applies to American Express personal card applications.
The 5X categories and where they apply
The 5X rate is the reason most people carry this card. In Canada it covers three kinds of merchants:
Groceries: Metro, IGA, Sobeys, Super C, Safeway, Whole Foods.
Restaurants and bars: sit-down meals, takeout and drinks.
Home food delivery.
Convenience stores (Couche-Tard, 7-Eleven): not part of 5X, 1 point per dollar.
The 2X rate covers gas stations such as Esso, Shell and Petro-Canada, along with public transit and ride sharing.
With the American Express Cobalt® Card, you earn between 1 and 5 points per dollar:
Category
Points per dollar
Grocery (Metro, IGA, Sobeys, Super C, etc.)
5
Home food delivery
5
Restaurants and bars
5
Convenience stores
1
Streaming services
3
Service station
2
Transport
2
Travel
1
Other
1
That works out to a 1 to 5% return on those purchases. For example, if you spend $1,000 per month across groceries, restaurants and food delivery, you earn $50 back per month, or $600 per year from that category alone. Transfer the points to a program such as Aeroplan instead and the return can be higher.
You can also stack these categories with the hundreds of stores that offer 5x points.
American Express Cobalt® Card insurance coverage
The card comes with a broad insurance package. The amounts below are the coverage limits; conditions, age limits and exclusions are set out in the certificate of insurance linked in the Insurance section above.
Travel insurance
Emergency medical: up to $5,000,000 for the first 15 days of a trip.
Travel accident: accidental death and dismemberment of up to $250,000 for you, your spouse and dependent children under age 23 when travelling on a common carrier (plane, train, bus or ship) and the tickets are charged to your card. Supplementary cardholders and their families are covered too.
Flight delay: up to $500 for necessary hotel, meal and sundry expenses bought within 48 hours when you are delayed or denied boarding for four hours or more and no other transportation is available. This $500 is an aggregate limit per occurrence, shared with missed connection and delayed baggage coverage.
Delayed baggage: up to $500 for essential clothing and sundries bought within four days when your outbound luggage is delayed six hours or more. This $500 is an aggregate limit per occurrence, shared with missed connection and flight delay coverage.
Lost or stolen baggage: up to $500 per occurrence for all insured persons combined, for checked or carry-on baggage and personal effects in transit, when the airline tickets are charged to your card. Within that limit, jewellery is capped at $300 per occurrence and golf clubs, including golf bags, at $250 per occurrence.
Hotel and motel burglary: up to $500 against the loss of most personal items if your hotel or motel is burglarized, when the stay is charged to your card.
Rental car insurance
Theft and damage coverage is included for a rental car with an MSRP, for its model year, of up to $85,000 excluding all taxes, for rentals of up to 48 days. To use it, decline the Loss Damage Waiver (LDW) or any similar option from the rental company and charge the full rental to your card. There is no cost for this coverage, and it replaces the daily insurance the rental company charges, usually $16 to $23 per day.
Mobile device insurance
Your device is covered for up to $1,000 per occurrence when it is charged to the card, for up to two years from the date of purchase. The payout is based on the depreciated value of the device, which falls by 2% of the purchase price for every completed month, less a 10% deductible. Theft and accidental damage coverage starts on the 91st day after purchase, because the first 90 days are covered by purchase protection.
Purchase protection and extended warranty
Eligible items charged to your card are insured against accidental physical damage or theft for 90 days from the purchase date, up to $1,000 per occurrence for all items combined. The card also extends the original manufacturer’s warranty by up to one additional year on eligible items, with indemnification limited to $10,000 per insured item and $25,000 per Cardmember per policy year for all items combined.
American Express Cobalt® Card fees
Card fee: $15.99 per month, which equals $191.88 per year, for residents outside Quebec. Quebec residents are billed $191.88 per year.
Additional cards: $0.
Purchase interest rate: 21.99%.
Cash advance interest rate: 21.99%.
Foreign transaction fee: 2.5%.
Minimum income required: none.
Because the fee is billed monthly rather than in one annual charge, you can stop and restart the cost in step with how much you are actually using the card.
Legal
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.
Annual fee
Primary card$191.88
Additional card$0
Annual income required
Individual$0
Household$0
Conversion fees
2.5%
Earning rate
5xRestaurants
5xGroceries
3xStreaming
2xTransit
2xGas
1xAll spending
Value
1st Year Value$1,675
2nd Year Value$799
Transfer partners
AeroplanAirline
British Airways ClubAirline
Cathay Asia MilesAirline
Etihad GuestAirline
Flying BlueAirline
Hilton HonorsHotel
Marriott BonvoyHotel
Travel insurance
Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Delayed BaggageUp to $500
Lost BaggageUp to $500
Flight DelayUp to $500
Hotel BurglaryUp to $500
Travel AccidentUp to $250,000
Purchase protection
Purchase ProtectionUp to $1,000 / 90 days
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental Collision (primary)Up to $85,000 / 48 days
Desjardins credit cards
Desjardins offers eight personal credit cards: four are linked to the rewards program and earn BONUSDOLLARS. Of the other four, the three Cash Back cards earn cash back, and the fourth is the Desjardins Flexi Visa card.
In our opinion, these 2 Desjardins credit cards offering BONUSDOLLARS deserve your attention:
Desjardins Bonus Visa* Credit Card
This card earns up to 2% in BONUSDOLLARS at restaurants and on pre-authorized payments (on the first $3,600 in purchases per year), 2% on entertainment and alternative transportation, and 0.5% on all other purchases, with no annual fee.
It also offers several insurances:
Emergency Health Care coverage for up to 3 days out of province
Insurance on mobile devices up to $1000 in case of loss, theft, accidental damage or mechanical failure.
Trip Cancellation and Interruption Protection
Luggage protection
Desjardins Odyssey World Elite Mastercard
It’s a top-of-the-line card in the Desjardins BONUSDOLLARS rewards program, with an annual fee of $130. In addition to a concierge service, you can earn up to 3% in BONUSDOLLARS on your purchases.
It also offers several insurances:
Emergency health care coverage for up to 60 consecutive days for persons 75 years of age and under, outside the province (limited to $5 million per person)
Intergenerational Travel Coverage
Trip Cancellation and Interruption Protection
Luggage protection
Insurance on mobile devices up to $1,000 in case of loss, theft, accidental damage or mechanical failure
Our valuationMilesopedia first-year estimateFirst-year valueAnnual fee rebated$150Total$150Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
With Milesopedia, take advantage of an exclusive offer: your first-year annual fees are refunded with the National Bank World Elite Mastercard. This offer is exclusively available on the Milesopedia network, from June 30 to November 4, 2026.
Refund of the first-year annual fee (a $150 value) for the primary cardholder. This fee is charged to your new card account, then refunded as a credit on your statement within five months of opening your account, provided it remains open and in good standing.
The National Bank World Elite Mastercard is the best Mastercard credit card offered by NBC.
With this card, you earn up to 5 points per dollar on your purchases:
5 points per dollar for groceries and restaurants
2 points per dollar on gas and electric recharge purchases
2 points per dollar on recurring bills
2 points per dollar on À la carte Travel
1 point per dollar for all other purchases
And since it’s a Mastercard, you can use it at Costco.
With this card, you have access to a $150 annual travel credit that you can use in any of these categories:
Airport parking
Baggage fees
Seat selection
Access to airport lounges
Airline ticket upgrades
What’s more, you can enjoy access to DragonPass airport lounges and unlimited access to the National Bank Lounge at Montreal-Trudeau.
Finally, Milesopedia has named the National Bank World Elite Mastercard as the Best Travel Credit Card in 2024, 2025 and 2026.
Legal
® Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. National Bank is an authorized user.
® The À LA CARTE REWARDS logo is a registered trademark of National Bank of Canada.
® NATIONAL BANK OF CANADA LOUNGE is a registered trademark of National Bank of Canada.
® À LA CARTE REWARDS PLAN is a registered trademark of National Bank of Canada.
® Apple Pay is a registered trademark of Apple Inc., registered in the U.S. and other countries. Apple Inc. is not a sponsor of or participant in National Bank Mobile Banking Solutions.
® Google Pay is a registered trademark of Google LLC. Use of this trademark is subject to Google Inc. Permissions.
TM À LA CARTE TRAVEL is a trademark of National Bank of Canada. The À la carte Travel agency is owned by Transat Distribution Canada Inc. and holds a Quebec permit (No. 753141).
TM À LA CARTE REWARDS is a trademark of National Bank of Canada.
® THE TOTAL, THE CONNECTED and NATIONAL BANK are registered trademarks of National Bank of Canada.
* Mastercard® World Elite®
The National Bank® World Elite® Mastercard® credit card was voted best Mastercard credit card by Milesopedia in 2026, 2025 and 2024.
The National Bank® World Elite® Mastercard® credit card was voted best travel credit card by Milesopedia in 2026, 2025 and 2024.
Every year, Milesopedia reviews credit card offers from major financial institutions and establishes its Ranking based on over 150 criteria such as fees, welcome offer, minimum income required, number of points per category, account credits, insurance, airport lounge access, etc.
Certain restrictions apply. For more information, see the Rewards Plan section or the Plan Rules applicable to point accumulation.
Grace period: No interest is charged on purchases made during the month if the cardholder pays the full balance of their account within twenty-one (21) days of the statement date. This grace period does not apply to cash advances and balance transfers. Minimum payment: if your account balance is less than $10, you must pay the balance in full. If you reside in the province of Quebec, your minimum payment is 5% of your account balance plus any overdue amount, or $10, whichever is greater. If you reside outside Quebec, your minimum payment is 2.5% of the credit card account balance plus any overdue amount, or $10, whichever is greater. Account statement: an account statement is sent monthly.
Table of examples of credit fees calculated over a 30-day period
Annual interest rate
$500
$3,000
22.49%
$9.24
$55.45
20.99%
$8.63
$51.76
13.2%
$5.53
$33.16
9.2%
$3.78
$22.68
*Variable interest rate in effect as of September 1, 2021.
Balance transfers and cash advances are subject to National Bank credit approval. Each amount transferred cannot be less than $250.
Exclusive to World Elite Mastercard cardholders. Presentation of the physical credit card and boarding pass is required to access the lounge. The National Bank® Lounge is accessible to customers traveling on international flights only (excluding flights to Canada and the United States). You benefit from free and unlimited access with one guest and two children aged 12 and under. Until October 4, 2026 (date subject to change), customers can enter the National Bank Lounge three hours before their flight departure time. From October 5, 2026 (date subject to change), access will be authorized for a maximum duration of 2 hours (3 hours for customers who hold a Private Banking 1859® World Elite® Mastercard® credit card). National Bank customers who are not World Elite ® Mastercard ® cardholders can also access the current lounge based on current rates and benefit from a 25 % discount on these rates : 63,24 $ taxes included for adults (excluding discount) $40.24 taxes included for children aged 2 to 12 (excluding discount) free for children under 2 (excluding discount) The entry fee is subject to change without notice and is the responsibility of the lounge operator.
Subject to providing the required supporting documents in the manner and within the prescribed timeframe. Certain conditions may apply. Only the primary cardholder of a National Bank World Elite Mastercard (Cardholder) whose account is in good standing can request a « Travel Fee Reimbursement ». « Account in good standing » means an account linked to the credit card that does not violate the Credit Card Agreement in any way and on which no restrictions apply. For example, and without limitation, the associated annual fees must have been paid in full. The maximum reimbursement of $150 can be requested from January 1 to December 31 of each year. Eligible expenses are: airport parking baggage fees seat selection airport lounge access worldwide airline ticket upgrades A reimbursement request must be made within 60 days of the purchase date. Travel expenses must be charged to the National Bank World Elite Mastercard credit card account. The maximum reimbursement of $150 is applicable per account. Please allow up to 7 business days for the reimbursement to be processed from the date your request is submitted. National Bank reserves the right to request additional supporting documents for validation purposes (e.g., invoices). You must keep all receipts and supporting documents for a period of 12 months from the date you made your reimbursement request. An unused reimbursement in one year cannot be carried over to the next year. You can make your request online at rewards.nbc.ca or by calling 1-800-341-8083 (toll-free) for an agent to assist you with your travel fee reimbursement request.
Point accumulation on grocery and restaurant spending depends on the total gross monthly amount charged to the credit card account, across all categories. Earn 5 points per dollar spent on eligible grocery and restaurant purchases. The 5 points per dollar accumulation is valid for the first $2,500 of gross monthly purchases charged to the account. Beyond this amount, eligible grocery and restaurant spending will earn 2 points per dollar. The calculation of the gross monthly purchase amount is based on monthly billing. A grocery purchase means a purchase made at a merchant whose primary business is selling food, such as a grocery store, delicatessen, supermarket, fruit store, or specialty food store. Meal kit subscriptions and meal delivery services are eligible. Therefore, this definition excludes, among others, retail stores and big-box stores whose primary business is selling non-food items. Some merchants may sell products or services identical or similar to those of eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made from other merchants only earn base reward points. A restaurant purchase means a purchase made at a restaurant, including quick-service restaurants, bars, discotheques, nightclubs, and taverns. To view the full list of Mastercard codes associated with eligible merchants, download the À la carte Rewards Plan® terms and conditions document.
These protections apply if the purchases or rental are paid for in part with the card before departure, except, if applicable, for out-of-province medical-hospital insurance for which it is not necessary to charge the purchase of an à la carte trip and for baggage delay protection where the full cost of transport must have been charged to the card. All these protections apply to the primary cardholder, their spouse and/or their dependent children when they (spouse and dependent children) travel with the cardholder. Extended warranties apply to most new items purchased with the card, in Canada or abroad, provided the manufacturer’s warranty exists and is valid in Canada. Certain conditions, limitations and restrictions apply. For more information and details regarding your insurance coverage, please consult the insurance certificate linked to your card.
Subject to credit approval by National Bank.
Certain conditions apply. Visit mastercard.ca for more information. See all credit card terms and conditions.
To earn 2 points per dollar spent, you must pay for your gas or electric charging purchases at a gas station or certain big-box stores. Some merchants may sell products or services identical or similar to those of eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made from other merchants only earn base reward points. To view the full list of Mastercard codes associated with eligible merchants, download the À la carte Rewards Plan® terms and conditions document.
Recurring bill payments are defined as payments made monthly or regularly that are automatically charged by the merchant to your National Bank World Elite Mastercard. Not all merchants offer recurring payments, and not all recurring payments are considered recurring bill payments. Therefore, some payments may not qualify for accelerated reward points.
To earn 2 points per dollar spent, you must pay for your eligible purchases through the À la carte TravelTM agency section of our À la carte RewardsTM site.
For example, if you spend $400 monthly on groceries, $200 on gas, $100 on recurring bills and $150 on other purchases, the $850 spent will generate 2,750 points, broken down as follows: 2,000 points for grocery spending (since the total gross monthly amount is $850, which is less than $2,500), 400 points for gas spending, 200 points for recurring bills and 150 points for other purchases.
Insurance up to $1,000 in case of breakage, loss or theft of mobile devices for a maximum period of 2 years following the date of purchase. Subject to purchasing the device with the National Bank World Elite Mastercard or a phone service subscription paid by recurring payments from your National Bank Platinum Mastercard starting September 1, 2022. For all conditions, please consult the insurance certificate linked to your card.
Annual fee
Primary card$150
Additional card$50
Annual income required
Individual$80,000
Household$150,000
Conversion fees
2.5%
Earning rate
5xRestaurants
5xGroceries
2xGas
2xBills & recurring payments
1xAll spending
Value
1st Year Value$745
2nd Year Value$923
Card benefits
Airport lounge access$400
Travel creditsIncluded
Travel insurance
Travel medical (under 55)Up to $5,000,000 / 60 days
Travel medical (55-64)Up to $5,000,000 / 31 days
Travel medical (65+)Up to $5,000,000 / 15 days
Trip CancellationUp to $2,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $500
Lost BaggageUp to $1,000
Flight DelayUp to $500
Travel AccidentIncluded
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+2 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental CollisionUp to $65,000 / 48 days
Is it the best rewards program?
Advantages of BONUSDOLLARS
The Desjardins BONUSDOLLARS rewards program has many advantages:
Simplicity: The program is pretty simple to understand and use.
Flexibility: You can redeem your BONUSDOLLARS for a variety of rewards, as described above.
Insurance coverage: Some Desjardins credit cards offer additional benefits such as travel insurance coverage or access to VIP lounges like the Desjardins Odyssée Visa Infinite Privilege Card.
Disadvantages of BONUSDOLLARS
However, Desjardins’ BONUSDOLLARS rewards program is not the one that offers the best rewards:
Point value: The redemption value of BONUSDOLLARS may not be as high as that of other reward programs.
No welcome bonus: The program generally does not offer substantial welcome bonuses, which is a drawback. So you’re starting out several steps behind other reward cards.
Limited options: While flexible, the rewards catalogue may not be as extensive as other programs.
Comparison with other programs
In comparison, travel rewards programs are often more lucrative for frequent flyers. The following programs are preferred:
Now that you’re a Desjardins BONUSDOLLARS expert, it’s time to maximize your rewards. Don’t forget to check your balance regularly and think about the best way to use them.
How do I redeem my BONUSDOLLARS?
To redeem your BONUSDOLLARS, log on to your Desjardins AccèsD account. Select the credit card associated with the BONUSDOLLARS you wish to redeem. Then click on the BONUSDOLLARS option and follow the instructions to choose the reward category you’re interested in.
How do I earn BONUSDOLLARS?
Earn BONUSDOLLARS is easy. Use your Desjardins credit card for everyday purchases like groceries, gas and entertainment. Every dollar you spend earns you a percentage of the amount in BONUSDOLLARS.
How to use BONUSDOLLARS
BONUSDOLLARS can be used for various rewards, including show tickets, financial products, and even donations to non-profit organizations. You may use them in whole or in part to pay for these services or products.
How do I redeem Desjardins BONUSDOLLARS?
Desjardins BONUSDOLLARS are redeemed through your AccèsD account. Once logged in, select the credit card associated with your BONUSDOLLARS and follow the steps to redeem your points for rewards or services.
How do I activate a Desjardins BONUSDOLLARS card?
Once you’ve received your BONUSDOLLARS card, visit the official Desjardins website. Follow the activation instructions, which will usually include entering your first name, last name and order number from the card.
Do BONUSDOLLARS expire?
BONUSDOLLARS have no expiry date, so you can accumulate and use them at your own pace. However, checking the terms and conditions for any update is always a good idea.
How do I pay a credit card with BONUSDOLLARS?
Only Odyssey Visa Infinite Privilege cardholders can apply their BONUSDOLLARS to their card balance (account credit). With the other cards, log in to your AccèsD account to be reimbursed for eligible purchases charged to your card (travel, restaurant, entertainment, alternative transportation, donations) within 60 days of purchase. These redemptions cannot be used to cover the card's minimum payment (according to Desjardins, checked October 26, 2026).
BONUSDOLLARS or cash back?
The choice between BONUSDOLLARS and cashback depends on your personal preferences. BONUSDOLLARS offer more flexibility in the types of rewards you can earn, while cashback is more direct.
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$469Annual fee rebated$120Total$589Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
The BMO eclipse Visa Infinite* Card is one of the best Visa Infinite rewards credit cards in Canada. Its welcome offer lets you earn up to 70,000 BMO Rewards points, for a total value of up to $1,150*.
It also includes a monthly statement credit for streaming services, an annual $50 lifestyle credit, and no annual fee for the first year (a $120 value)*.
With the BMO eclipse Visa Infinite* Card, you also get:
5x BMO Rewards points for every dollar spent on groceries, meal delivery or takeout, rideshare, public transit, and gas*
1 BMO Rewards point for every dollar spent on all other purchases*
10% more points when you add an authorized user to your account*
Mobile device insurance offering coverage up to $1,000*
The Pay with Points feature, which allows you to redeem your points on recent purchases starting at $1*
Six months of Instacart+ membership plus a monthly $10 Instacart credit with an eligible card*
Legal
*Terms and conditions apply
BMO is not responsible for updating the content of this site. For the most up-to-date information, please click on the Online Application link.
Annual fee
Primary card$120
Additional card$50
Annual income required
Individual$60,000
Household$100,000
Conversion fees
2.5%
Earning rate
5xTransit
5xGas
5xRestaurants
5xGroceries
1xAll spending
Value
1st Year Value$1,128
2nd Year Value$365
Travel insurance
Travel medical (under 55)Up to $5,000,000 / 21 days
Travel medical (55-64)Up to $5,000,000 / 21 days
Travel AccidentUp to $500,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 1 years
Auto Rental CollisionUp to $65,000 / 48 days
Our editorial integrity
Our reviews and rankings are based on an objective assessment. Advertisers do not influence our content. We may receive compensation through some links; our analysis and opinions remain independent.
