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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.
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:
You can even use your credit card to make a donation to a non-profit organization.
The minimum to redeem is 20 BONUSDOLLARS; however, on the site, available gift cards start at 25 BONUSDOLLARS at the time of our visit.
You can redeem your BONUSDOLLARS in 4 ways, some of which are more advantageous than others.
The BONUSDOLLARS gift card catalogue offers access to multiple rewards to suit every consumer profile with over 40 partner brands.
These gift card rewards range from 25 to 250 BONUSDOLLARS and are divided into 9 categories on the bonidollars.ca website:
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)!
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:
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!
You can also use your BONUSDOLLARS in exchange for financial products and services offered by Desjardins:
This option cannot be used to pay a credit card balance or its annual fee, repay Accord D financing or make installment payments.
In short, you’ll understand that you can do almost anything with your BONUSDOLLARS on Desjardins financial products and services. It’s a good way to use your BONUSDOLLARS if you don’t have any trips planned!
To see the terms and conditions, it’s this way.
This is the best use you could make of your BONUSDOLLARS, especially for holders of the Desjardins Odyssey World Elite MasterCard.
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:
To use your BONUSDOLLARS for a travel expense, you must :
Le programme BONIDOLLARS a le mérite d’être simple mais peu rémunérateur. En effet, les cartes de crédit de ce programme n’apportent pas de prime de bienvenue, contrairement à la majorité des cartes de crédit au Canada.
La plupart des personnes qui veulent accumuler encore plus de remises en argent ou de points s’orientent vers des cartes avec des points ou des remises flexibles. Comme par exemple :
Évitez de laisser des points vous filez entre les doigts en utilisant notre comparateur de cartes de crédit, pour prendre une carte qui vous en donne plus.
Desjardins Bank offers eight credit cards: four are linked to the rewards program and earn BONUSDOLLARS, while the other four will give you cash back on your purchases.
There are 4 Desjardins credit cards, three of which are Visa Desjardins, that earn BONUSDOLLARS:
Attention! **Note that the accumulation on certain purchases will change from January 1, 2024. From now on, there will be a ceiling on annual expenses in these categories. Read the full article on the devaluation of BONIDOLLARS here.
In our opinion, these 2 Desjardins credit cards offering BONUSDOLLARS deserve your attention:
This card earns up to 2% in BONUSDOLLARS on all purchases, with no annual fee.
It also offers several insurances:
If you’re looking for an equivalent card that offers 1% cash back everywhere and also no annual fee, you might want to check out the MBNA Rewards PlatinumPlusMD 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.
**Note that the accumulation on certain card purchases will change from January 1, 2024. From now on, there will be a ceiling on annual expenses in these categories. Read the full article on the devaluation of BONIDOLLARS here.
Its biggest competitor is the National Bank World Elite Mastercard®, which has the great advantage of offering up to $150 in credit for various travel expenses!
And its insurance is equivalent to what Desjardins offers. Here is our comparison between the two.
The Desjardins BONUSDOLLARS rewards program has many advantages:
However, Desjardins’ BONUSDOLLARS rewards program is not the one that offers the best rewards:
In comparison, travel rewards programs are often more lucrative for frequent flyers. The following programs are preferred:
For cash back enthusiasts, Scene+ will be the most comprehensive rewards program (Travel Rewards and Cash Back). For example, theScotiabank Passport™ Visa Infinite +* Card is a great choice.
We’ve put together a detailed comparative analysis to help you find your way among the best cards. Please see our article: Comparison of Desjardins credit cards and alternatives.
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.
Savings this way:
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