{"id":79901,"date":"2020-07-21T00:01:37","date_gmt":"2020-07-21T04:01:37","guid":{"rendered":"https:\/\/milesopedia.com\/?p=79901"},"modified":"2025-12-01T04:11:13","modified_gmt":"2025-12-01T09:11:13","slug":"frais-interchange","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/guides\/frais-interchange\/","title":{"rendered":"Les frais d&#8217;interchange et vos cartes de cr\u00e9dit"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_custom_heading text=&#8221;Que sont les frais d\u2019interchange?&#8221; el_id=&#8221;que_sont_les_frais_d_interchange_&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]Voici <a target=\"_blank\" href=\"https:\/\/www.mastercard.ca\/fr-ca\/a-propos-de-mastercard\/ce-que-nous-faisons\/interchange.html\">la d\u00e9finition donn\u00e9e par Mastercard<\/a> au sujet des frais d&#8217;interchange:<\/p>\n<blockquote>\n<p>L\u2019interchange consiste en de petits frais que paie la banque du commer\u00e7ant (l\u2019acqu\u00e9reur) \u00e0 la banque du titulaire de carte (l\u2019\u00e9metteur) servant \u00e0 compenser l\u2019\u00e9metteur pour la valeur et les avantages que les commer\u00e7ants retirent lorsqu\u2019ils acceptent les paiements \u00e9lectroniques. L\u2019interchange permet aux banques qui \u00e9mettent les paiements \u00e9lectroniques d\u2019offrir des services de qualit\u00e9 aux commer\u00e7ants, aux gouvernements et aux consommateurs. L\u2019interchange aide \u00e0 maximiser la qualit\u00e9 des services fournis \u00e0 toutes les parties int\u00e9ress\u00e9es.<\/p>\n<pre>Mastercard Canada<\/pre>\n<\/blockquote>\n<p>[\/vc_column_text][vc_column_text el_class=&#8221;checkmarks&#8221;]Vous pouvez \u00e9galement <a href=\"https:\/\/www.visa.ca\/fr_CA\/support\/small-business\/interchange.html\">consulter le site de Visa pour comprendre comment fonctionne l&#8217;interchange<\/a>.[\/vc_column_text][vc_custom_heading text=&#8221;Des frais permettant les r\u00e9compenses offertes par les cartes de cr\u00e9dit&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;des_frais_permettant_les_r_compenses_offertes_par_les_cartes_de_cr_dit&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Traduit tr\u00e8s sommairement en fran\u00e7ais: ce sont <strong>des frais factur\u00e9s aux commer\u00e7ants<\/strong> par les r\u00e9seaux de cartes de cr\u00e9dit (American Express, Mastercard, Visa) <strong>pour accepter les paiements par carte de cr\u00e9dit<\/strong>.<\/p>\n<p>Ces frais factur\u00e9s aux commer\u00e7ants se situent entre 0.5 et 5&nbsp;% en fonction du type de commerces, du volume d&#8217;affaires g\u00e9n\u00e9r\u00e9, <strong>et du moyen de paiement utilis\u00e9 par le client.<\/strong><\/p>\n<p>Bien entendu,<strong> les commer\u00e7ants int\u00e8grent ces frais dans le prix<\/strong> des marchandises ou services qu&#8217;ils proposent: vous ne verrez donc pas ces frais sur votre ticket de caisse.<\/p>\n<p>Ainsi, <strong>vous allez payer le m\u00eame prix<\/strong> un produit ou un service:<\/p>\n<ul>\n<li>en argent comptant,<\/li>\n<li>par ch\u00e8que<\/li>\n<li>avec une carte d\u00e9bit<\/li>\n<li>avec une carte de cr\u00e9dit<\/li>\n<\/ul>\n<p>D&#8217;o\u00f9 l&#8217;utilit\u00e9 de <strong>tout le temps payer avec une carte de cr\u00e9dit<\/strong> afin d&#8217;obtenir des r\u00e9compenses (remises en argent, points, milles), qui n&#8217;est qu&#8217;un juste retour des frais factur\u00e9s et int\u00e9gr\u00e9s dans le prix du produit ou service que vous achetez!<\/p>\n<p>Ceux qui paient en argent comptant, ch\u00e8que ou d\u00e9bit n&#8217;obtiennent aucun retour ou <a href=\"https:\/\/milesopedia.com\/guides\/tutoriels\/comment-fonctionne-les-points\/\">points<\/a> (et auront donc vraiment pay\u00e9 ces frais d&#8217;interchange).<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"162097\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_single_image image=&#8221;79912&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221;][vc_custom_heading text=&#8221;Une n\u00e9gociation entre commer\u00e7ants et r\u00e9seaux de cartes de cr\u00e9dit&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;une_n_gociation_entre_commer_ants_et_r_seaux_de_cartes_de_cr_dit&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>En r\u00e8gle g\u00e9n\u00e9rale, les frais d&#8217;interchange seront plus \u00e9lev\u00e9s en fonction du type de carte que le client utilise:<\/p>\n<ul>\n<li>une banque aura donc int\u00e9r\u00eat \u00e0 ce que son client ait une carte haut de gamme afin d&#8217;obtenir un frais d&#8217;interchange plus \u00e9lev\u00e9 sur chaque transaction effectu\u00e9e<\/li>\n<li>alors qu&#8217;un commer\u00e7ant aura plut\u00f4t \u00e0 c\u0153ur de voir son client payer autrement qu&#8217;avec une carte de cr\u00e9dit, ou du moins avec une carte de cr\u00e9dit &#8220;de base&#8221;<\/li>\n<\/ul>\n<p>Ainsi, r\u00e9guli\u00e8rement, les associations de commer\u00e7ants exercent une certaine pression sur les banques et r\u00e9seaux &#8211; bien souvent via le l\u00e9gislateur &#8211; <strong>afin de n\u00e9gocier \u00e0 la baisse ces frais d&#8217;interchange<\/strong>.<\/p>\n<p>Dans certains pays, les l\u00e9gislateurs sont intervenus afin de compl\u00e8tement r\u00e9guler ces frais, les abaissant au strict minimum (souvent en-dessous de 0.5&nbsp;%).<\/p>\n<p>Le revers de la m\u00e9daille: <strong>les \u00e9metteurs de cartes de cr\u00e9dit n&#8217;ont alors plus aucune marge de man\u0153uvre pour proposer des r\u00e9compenses \u00e0 leurs clients<\/strong>. Ce qui am\u00e8ne \u00e0 la d\u00e9valuation des programmes ou m\u00eame \u00e0 la disparition quasi-compl\u00e8te des syst\u00e8mes de points &amp; milles via les cartes de cr\u00e9dit (comme c&#8217;est le cas dans une bonne partie de l&#8217;Europe ou en Australie par exemple).<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;79914&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221;]<div class=\"wpb_content_element wpb_miles_element\"><\/div>[vc_custom_heading text=&#8221;L\u2019exigence d&#8217;un revenu minimum pour certaines cartes de cr\u00e9dit&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;l_exigence_d_un_revenu_minimum_pour_certaines_cartes_de_cr_dit&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Pourquoi certaines cartes de cr\u00e9dit exigent un niveau de revenu de 60&nbsp;000&nbsp;$, 80&nbsp;000&nbsp;$ voire 200&nbsp;000&nbsp;$?<\/p>\n<p>C&#8217;est une contrepartie accord\u00e9e par les r\u00e9seaux comme Visa ou Mastercard aux commer\u00e7ants: ces cartes de cr\u00e9dit chargent des frais d&#8217;interchange plus \u00e9lev\u00e9s car leurs clients, du fait de <a href=\"https:\/\/milesopedia.com\/guides\/revenus-demande-carte-credit\/\">leurs revenus<\/a>, <strong>sont statistiquement amen\u00e9s \u00e0 d\u00e9penser davantage dans les commerces<\/strong>.<\/p>\n<p>Le probl\u00e8me: les \u00e9metteurs (les banques) ont la responsabilit\u00e9 de s&#8217;assurer que leurs clients <strong>respectent ces exigences de revenus<\/strong>. Certains le font, d&#8217;autres un peu moins.<\/p>\n<p>Et c&#8217;est ce dont se plaignent les commer\u00e7ants: voir des \u00e9metteurs pousser pour l&#8217;adoption de produits plus haut de gamme, chargeant plus de frais d&#8217;interchange!<\/p>\n<p>Certains clients Tangerine ont par exemple \u00e9taient invit\u00e9s r\u00e9cemment \u00e0 faire un changement de produit de <a class=\"thirstylink\" title=\"la Carte Remises Tangerine Mastercard\" href=\"https:\/\/milesopedia.com\/go\/tangerine-mastercard\/\">la Carte Remises Tangerine Mastercard<\/a> vers une carte de la gamme World Mastercard,\u00a0<a class=\"thirstylink\" title=\"la carte World Mastercard Tangerine\" href=\"https:\/\/milesopedia.com\/go\/tangerine-world-mastercard\/\">la Carte World Mastercard Remises Tangerine<\/a>&#8230; chargeant davantage de frais d&#8217;interchange pour les commer\u00e7ants!<\/p>\n<p>Et cette ann\u00e9e, Mastercard sortira une nouvelle gamme de produits &#8220;<strong>Muse<\/strong>&#8220;, situ\u00e9e au-dessus de World Elite, visant \u00e0 concurrencer la gamme Visa Infinite PRIVIL\u00c8GE. Vous vous doutez bien: les produits Muse factureront davantage de frais d&#8217;interchange!<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"253379\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_single_image image=&#8221;79932&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221;][vc_custom_heading text=&#8221;Et concernant American Express?&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;et_concernant_american_express_&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>American Express ne publie pas les frais factur\u00e9s aux commer\u00e7ants. Ce sont des accords r\u00e9alis\u00e9s en direct et qui varie pour chaque commerce.<\/p>\n<p>Tout ce que l&#8217;on sait est qu&#8217;American Express, dans son objectif <a href=\"https:\/\/milesopedia.com\/avis\/cartes-credit\/utilisation-american-express-tous-les-jours\/\">d&#8217;\u00eatre de plus en plus accept\u00e9 au pays<\/a>, a r\u00e9cemment <a target=\"_blank\" href=\"https:\/\/www.newswire.ca\/fr\/news-releases\/nouvelle-entente-fcei-chase--des-rabais-exclusifs-pour-les-petites-entreprises-sur-les-transactions-american-express-675804803.html\">diminu\u00e9 ses frais envers les commer\u00e7ants<\/a> et s&#8217;est lanc\u00e9e dans diff\u00e9rentes initiatives envers les petits commer\u00e7ants (<a target=\"_blank\" href=\"\/?p=47319\">comme Shop Small<\/a>).<\/p>\n<p>De m\u00eame, contrairement \u00e0 Visa ou Mastercard, American Express <strong>n&#8217;a aucune exigence de revenu<\/strong> concernant la quasi-totalit\u00e9 de ses cartes de cr\u00e9dit ou de paiement. <a href=\"https:\/\/milesopedia.com\/guides\/strategies\/cartes-de-credit-sans-revenu-minimum-demande\/\">Ce qui permet \u00e0 beaucoup de pouvoir obtenir des cartes American Express int\u00e9ressantes<\/a> pour les voyageurs comme <a class=\"thirstylink\" title=\"La Carte CobaltMC American Express\" href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-cobalt-american-express\/\">la Carte CobaltMC American Express<\/a>, <a class=\"thirstylink\" title=\"La Carte Marriott BonvoyMC American Express<sup>MD<\/sup>\" href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-marriott-bonvoy-american-express\/\">la Carte Marriott BonvoyMC American Express<sup>MD<\/sup><\/a> ou m\u00eame <a class=\"thirstylink\" title=\"La Carte de Platine<sup>MD<\/sup> d\u2019American Express\" href=\"https:\/\/milesopedia.com\/go\/amex-platine\/\">la Carte de Platine<sup>MD<\/sup> d\u2019American Express<\/a><\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;47328&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221;]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"136815\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_custom_heading text=&#8221;Et les cartes de cr\u00e9dit pour entreprise&nbsp;?&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;et_les_cartes_de_cr_dit_pour_entreprise_&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Cette r\u00e9gulation des frais d&#8217;interchange s&#8217;applique uniquement aux cartes de cr\u00e9dit pour les particuliers.<\/p>\n<p>Ainsi, les cartes de cr\u00e9dit pour entreprise ne sont pas impact\u00e9es.<\/p>\n<p>Cela signifie que <strong>les institutions financi\u00e8res vont s\u00fbrement inciter les particuliers en affaires<\/strong> (travailleurs autonomes, professionnels, petites entreprises) <strong>\u00e0 utiliser une carte de cr\u00e9dit ENTREPRISE<\/strong> plut\u00f4t que leur carte de cr\u00e9dit personnelle.<\/p>\n<p>Nous vous rappelons dans cet article <a href=\"https:\/\/milesopedia.com\/guides\/tutoriels\/souscrire-carte-entreprise-american-express\/\">comment souscrire \u00e0 une carte pour PME d&#8217;American Express par exemple<\/a>.\u00a0<\/p>\n<p>[\/vc_column_text][vc_column_text el_class=&#8221;checkmarks&#8221;]Selon nos informations, Mastercard s&#8217;appr\u00eaterait d&#8217;ailleurs \u00e0 lancer <strong>une carte World Elite Entreprise.<\/strong><\/p>\n<p>Il ne serait donc pas \u00e9tonnant de voir des cartes comme\u00a0<a class=\"thirstylink\" title=\"la Carte Mastercard BMO AIR MILES d'entreprise\" href=\"\/?p=26700\">la Carte Mastercard BMO AIR MILES d&#8217;entreprise<\/a> ou <a class=\"thirstylink\" title=\"La Carte Mastercard<sup>MD<\/sup>* BMO R\u00e9compenses pour entreprise\" href=\"https:\/\/milesopedia.com\/go\/bmo-recompenses-entreprise\/\">la Carte Mastercard<sup>MD<\/sup>* BMO R\u00e9compenses pour entreprise<\/a> \u00eatre davantage mises en avant, voire m\u00eame <strong>d&#8217;assister \u00e0 la sortie de nouveaux produits<\/strong>![\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\"><\/div>[vc_single_image image=&#8221;79916&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_shadow&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Les ajustements des \u00e9metteurs de cartes de cr\u00e9dit&#8221; el_id=&#8221;les_ajustements_des_metteurs_de_cartes_de_cr_dit&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Pour faire face \u00e0 cette baisse des taux d&#8217;interchange, les \u00e9metteurs de cartes de cr\u00e9dit ajustent les taux de r\u00e9compenses d\u00e9livr\u00e9es \u00e0 leurs clients, ainsi que les primes de bienvenue.<\/p>\n<p>Chaque institution a donc commenc\u00e9 \u00e0 contacter ses clients concernant la d\u00e9valuation de leur programme de fid\u00e9lit\u00e9.<\/p>\n<p>Plut\u00f4t que d&#8217;\u00e9crire un article sur chaque changement, nous avons donc pr\u00e9f\u00e9r\u00e9 r\u00e9sumer les mesures prises par les \u00e9metteurs de cartes de cr\u00e9dit ci-dessous.<\/p>\n<p>Pour rappel, les institutions ont plusieurs variables d&#8217;ajustements comme:<\/p>\n<ul>\n<li>ajuster les taux d&#8217;accumulation de r\u00e9compenses<\/li>\n<li>alt\u00e9rer les bar\u00e8mes d&#8217;utilisation des points pour des r\u00e9compenses<\/li>\n<li>diminuer les primes de bienvenue<\/li>\n<li>augmenter les d\u00e9penses requises pour d\u00e9bloquer une prime de bienvenue<\/li>\n<li>modifier les crit\u00e8res de qualification pour souscrire \u00e0 une carte<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_message color=&#8221;warning&#8221; message_box_color=&#8221;warning&#8221; icon_fontawesome=&#8221;fas fa-exclamation-triangle&#8221;]<a href=\"https:\/\/milesopedia.com\/contactez-nous\/\">N&#8217;h\u00e9sitez pas \u00e0 nous contacter<\/a> pour nous faire part de tout changement annonc\u00e9 par l&#8217;\u00e9metteur de votre carte de cr\u00e9dit afin que nous soyons le plus \u00e0 jour sur les informations li\u00e9es aux r\u00e9compenses![\/vc_message][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Banque Rogers&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;banque_rogers&#8221;][vc_column_text]Carte concern\u00e9e:\u00a0<a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-world-elite-mastercard-de-rogers\/\">Carte World Elite<sup>MD<\/sup> Mastercard<sup>MD<\/sup> de Rogers<sup>MD<\/sup><\/a>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='1'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22765\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 220px;\">\n<tbody>\n<tr style=\"height: 22px;\">\n<td style=\"width: 50%; text-align: center; height: 22px;\"><strong>Avant<\/strong><\/td>\n<td style=\"width: 50%; text-align: center; height: 22px;\"><strong>Apr\u00e8s<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 44px;\">\n<td style=\"width: 50%; height: 44px; text-align: center;\">4&nbsp;% de remise sur les transactions<br \/>\nen devises \u00e9trang\u00e8res<\/td>\n<td style=\"width: 50%; height: 44px; text-align: center;\"><strong>3&nbsp;%<\/strong> de remise sur les transactions<strong><br \/>\nen dollars am\u00e9ricains<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 22px;\">\n<td style=\"width: 50%; height: 22px; text-align: center;\">2% sur les achats<br \/>\navec Rogers<\/td>\n<td style=\"width: 50%; height: 22px; text-align: center;\"><strong>1.5%<\/strong> sur les achats<br \/>\navec Rogers<\/td>\n<\/tr>\n<tr style=\"height: 22px;\">\n<td style=\"width: 50%; height: 22px; text-align: center;\">1.75% sur tous les achats<\/td>\n<td style=\"width: 50%; height: 22px; text-align: center;\"><strong>1.5%<\/strong> sur tous les achats<\/td>\n<\/tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 50%; height: 88px; text-align: center;\">aucun minimum requis de d\u00e9penses annuelles<\/td>\n<td style=\"width: 50%; height: 88px; text-align: center;\">15&nbsp;000&nbsp;$ de d\u00e9penses annuelles requises (entre le 1er ao\u00fbt et le 31 juillet suivant) afin d&#8217;\u00e9viter un d\u00e9classement de produit (World Elite \u00e0 Platine)<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\">&#8211;<\/td>\n<td style=\"width: 50%; text-align: center;\">Ajout du <strong>Wi-Fi illimit\u00e9 avec Boingo<\/strong><\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">\n<p>Rogers a d\u00e9cid\u00e9 d&#8217;ajuster tous les taux de remises \u00e0 la baisse. La coupe la plus drastique \u00e9tant sur les achats en devises \u00e9trang\u00e8res (ne rapportant plus que 1.5% au lieu de 4% auparavant hors dollars am\u00e9ricains).<\/p>\n<p>Cette carte chargeant des frais en devises \u00e9trang\u00e8res, il n&#8217;est plus int\u00e9ressant de l&#8217;utiliser <a target=\"_blank\" href=\"\/?p=79842\">sachant que des cartes de cr\u00e9dit sans frais de conversion existent comme alternatives<\/a>.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\" colspan=\"2\"><a href=\"https:\/\/www.rogersbank.com\/legaldocs\/en\/change_in_terms_world_elite.pdf\">Informations sur les changements sur le site de l&#8217;institution<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][vc_column_text]Carte concern\u00e9e:\u00a0<a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-mastercard-rogers\/\">Carte Platine Mastercard<sup>MD<\/sup> de Rogers<sup>MD<\/sup><\/a>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='1'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22764\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 220px;\">\n<tbody>\n<tr style=\"height: 22px;\">\n<td style=\"width: 50%; text-align: center; height: 22px;\"><strong>Avant<\/strong><\/td>\n<td style=\"width: 50%; text-align: center; height: 22px;\"><strong>Apr\u00e8s<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 44px;\">\n<td style=\"width: 50%; height: 44px; text-align: center;\">3&nbsp;% de remise<br \/>\nsur les transactions en devises \u00e9trang\u00e8res<\/td>\n<td style=\"width: 50%; height: 44px; text-align: center;\"><strong>3&nbsp;%<\/strong> de remise<br \/>\nsur les transactions<strong> en dollars am\u00e9ricains<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 22px;\">\n<td style=\"width: 50%; height: 22px; text-align: center;\">2&nbsp;% sur les achats<br \/>\navec Rogers<\/td>\n<td style=\"width: 50%; height: 22px; text-align: center;\"><strong>1&nbsp;%<\/strong> sur les achats<br \/>\navec Rogers<\/td>\n<\/tr>\n<tr style=\"height: 22px;\">\n<td style=\"width: 50%; height: 22px; text-align: center;\">1.25&nbsp;% sur tous les achats<\/td>\n<td style=\"width: 50%; height: 22px; text-align: center;\"><strong>1&nbsp;%<\/strong> sur tous les achats<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\" colspan=\"2\"><a href=\"https:\/\/www.rogersbank.com\/legaldocs\/en\/change_in_terms_world_elite.pdf\">Informations sur les changements sur le site de l&#8217;institution<\/a><strong><br \/>\n<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][vc_message el_class=&#8221;checkmarks&#8221;]<\/p>\n<h6>Meilleures Cartes<\/h6>\n<p>Consultez nos diff\u00e9rentes pages pour trouver une carte de cr\u00e9dit alternative:<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/meilleures-cartes-de-credit\/devises\/\">Les Meilleures Cartes de Cr\u00e9dit Sans Frais de Conversion<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/meilleures-cartes-de-credit\/remise-en-argent\/\">Les Meilleures Cartes de Cr\u00e9dit Avec Remises En Argent<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/meilleures-cartes-de-credit\/voyages\/\">Les Meilleures Cartes de Cr\u00e9dit Voyage<\/a><\/li>\n<\/ul>\n<p>[\/vc_message][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Banque Scotia&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;banque_scotia&#8221;][vc_column_text]Cartes concern\u00e9es: les cartes participant au <a target=\"_blank\" href=\"\/?p=24853\">programme Points-bonis Scotia<\/a>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='5'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22642,22456,22640,22641,22639\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 378px;\">\n<tbody>\n<tr style=\"height: 22px;\">\n<td style=\"width: 50%; text-align: center; height: 22px;\"><strong>Avant<\/strong><\/td>\n<td style=\"width: 50%; text-align: center; height: 22px;\"><strong>Apr\u00e8s<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 44px;\">\n<td style=\"width: 50%; height: 44px; text-align: center;\"><strong>Cr\u00e9dit au compte<\/strong><br \/>\n100&nbsp;$ = 14&nbsp;000 points<br \/>\n150&nbsp;$ = 21&nbsp;000 points<br \/>\n300&nbsp;$ = 37&nbsp;500 points<br \/>\n500&nbsp;$ = 62&nbsp;500 points<\/td>\n<td style=\"width: 50%; height: 44px; text-align: center;\"><strong>Cr\u00e9dit au compte<\/strong><br \/>\n100&nbsp;$ = 14&nbsp;500 points<br \/>\n150&nbsp;$ = 21&nbsp;500 points<br \/>\n300&nbsp;$ = 43&nbsp;000 points<br \/>\n500&nbsp;$ = 71&nbsp;500 points<\/td>\n<\/tr>\n<tr style=\"height: 22px;\">\n<td style=\"width: 50%; height: 22px; text-align: center;\"><strong>Carte-cadeau<\/strong><br \/>\n25&nbsp;$ = 3&nbsp;400 points<br \/>\n50&nbsp;$ = 6&nbsp;700 points<br \/>\n50 US$ = 7&nbsp;100 points<br \/>\n100&nbsp;$ = 13&nbsp;400 points<br \/>\n200&nbsp;$ = 26&nbsp;000 points<br \/>\n250&nbsp;$ = 32&nbsp;400 points<br \/>\n500&nbsp;$ = 64&nbsp;000 points<\/td>\n<td style=\"width: 50%; height: 22px; text-align: center;\"><strong>Carte-cadeau<\/strong><br \/>\n25&nbsp;$ = 3&nbsp;500 points<br \/>\n50&nbsp;$ = 7&nbsp;000 points<br \/>\n50 US$ = 9&nbsp;500 points<br \/>\n100&nbsp;$ = 14&nbsp;000 points<br \/>\n200&nbsp;$ = 28&nbsp;000 points<br \/>\n250&nbsp;$ = 35&nbsp;000 points<br \/>\n500&nbsp;$ = 70&nbsp;000 points<\/td>\n<\/tr>\n<tr style=\"height: 22px;\">\n<td style=\"width: 50%; height: 22px; text-align: center;\"><strong>Articles Apple et Best Buy<\/strong><br \/>\n1&nbsp;$ = 127 points<\/td>\n<td style=\"width: 50%; height: 22px; text-align: center;\"><strong>Articles Apple et Best Buy<\/strong><br \/>\n1&nbsp;$ = 145 points<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\" colspan=\"2\"><a href=\"https:\/\/www.scotiarewards.com\/fr-CA\/Help\/ProgramNotice?b2SUrlCode=notification_page\">Informations sur les changements sur le site de l&#8217;institution<\/a><\/td>\n<\/tr>\n<tr style=\"height: 158px;\">\n<td style=\"width: 100%; height: 158px;\" colspan=\"2\">\n<p>La Banque Scotia a d\u00e9cid\u00e9 de toucher \u00e0 la structure d&#8217;\u00e9change de points-bonis Scotia contre un <strong>cr\u00e9dit au compte<\/strong>, une <strong>carte-cadeau<\/strong> ou <strong>des articles<\/strong> dans les catalogues Apple et Best Buy.<\/p>\n<p>Aucun changement au sujet du cr\u00e9dit pour des voyages: la valeur des points reste donc de 10&nbsp;000 points = 100&nbsp;$. <a href=\"https:\/\/milesopedia.com\/guides\/tutoriels\/utiliser-points-achats\/\">Et c&#8217;est la meilleure mani\u00e8re d&#8217;utiliser des points-bonis Scotia<\/a>.<\/p>\n<p>\u00c0 noter que <strong>ces changements ne s&#8217;appliquent pas pour les r\u00e9sidents du Qu\u00e9bec<\/strong>!<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][vc_message el_class=&#8221;checkmarks&#8221;]<\/p>\n<h6>Meilleures Cartes<\/h6>\n<p>Consultez nos diff\u00e9rentes pages pour trouver une carte de cr\u00e9dit alternative:<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/meilleures-cartes-de-credit\/remise-en-argent\/\">Les Meilleures Cartes de Cr\u00e9dit Avec Remises En Argent<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/meilleures-cartes-de-credit\/voyages\/\">Les Meilleures Cartes de Cr\u00e9dit Voyage<\/a><\/li>\n<\/ul>\n<p>[\/vc_message][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;BMO&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;bmo&#8221;][vc_column_text]Carte concern\u00e9e:\u00a0<a class=\"thirstylink\" title=\"la Carte Mastercard BMO Remises\" href=\"https:\/\/milesopedia.com\/go\/bmo-remises\/\">la Carte Mastercard BMO Remises<\/a>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='1'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22674\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 378px;\">\n<tbody>\n<tr style=\"height: 22px;\">\n<td style=\"width: 50%; text-align: center; height: 22px;\"><strong>Avant<\/strong><\/td>\n<td style=\"width: 50%; text-align: center; height: 22px;\"><strong>Apr\u00e8s<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 44px;\">\n<td style=\"width: 50%; height: 44px; text-align: center;\">1&nbsp;% de remise en argent<br \/>\nsur tous les achats<\/td>\n<td style=\"width: 50%; height: 44px; text-align: center;\"><strong>0,5&nbsp;%<\/strong> de remise en argent<br \/>\nsur tous les achats<\/td>\n<\/tr>\n<tr style=\"height: 22px;\">\n<td style=\"width: 50%; height: 22px; text-align: center;\">&#8211;<\/td>\n<td style=\"width: 50%; height: 22px; text-align: center;\"><b>1&nbsp;% <\/b>de remise en argent sur<br \/>\n<b>les paiements de factures<br \/>\n<\/b><em>(limite de 500&nbsp;$ par relev\u00e9)<\/em><\/td>\n<\/tr>\n<tr style=\"height: 22px;\">\n<td style=\"width: 50%; height: 22px; text-align: center;\">&#8211;<\/td>\n<td style=\"width: 50%; height: 22px; text-align: center;\"><b>3&nbsp;% <\/b>de remise en argent<b><br \/>\n\u00e0 l&#8217;\u00e9picerie<br \/>\n<\/b><em>(limite de 500&nbsp;$ d&#8217;achats par relev\u00e9)<\/em><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 100%; text-align: center;\" colspan=\"2\"><a href=\"https:\/\/www.bmo.com\/principal\/particuliers\/cartes-de-credit\/remises2020\/\">Informations sur les changements sur le site de l&#8217;institution<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\"><\/div>[vc_message el_class=&#8221;checkmarks&#8221;]<\/p>\n<h6>Meilleures Cartes<\/h6>\n<p>Consultez nos diff\u00e9rentes pages pour trouver une carte de cr\u00e9dit alternative:<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/meilleures-cartes-de-credit\/remise-en-argent\/\">Les Meilleures Cartes de Cr\u00e9dit Avec Remises En Argent<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/meilleures-cartes-de-credit\/sans-frais\/\">Les Meilleures Cartes de Cr\u00e9dit Sans Frais Annuels<\/a><\/li>\n<\/ul>\n<p>[\/vc_message][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Capital One&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;capital_one&#8221;][vc_column_text]Carte concern\u00e9e:\u00a0Carte VoyagePlus World Elite Mastercard[\/vc_column_text][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 125px;\">\n<tbody>\n<tr style=\"height: 22px;\">\n<td style=\"width: 50%; text-align: center; height: 22px;\"><strong>Avant<\/strong><\/td>\n<td style=\"width: 50%; text-align: center; height: 22px;\"><strong>Apr\u00e8s<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 44px;\">\n<td style=\"width: 50%; height: 44px; text-align: center;\">2 points par dollar d&#8217;achats<\/td>\n<td style=\"width: 50%; height: 44px; text-align: center;\"><b>1.5 point par dollar d&#8217;achats<\/b><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\">10&nbsp;000 points en prime au renouvellement<\/td>\n<td style=\"width: 50%; text-align: center;\"><b>supprim\u00e9<\/b><\/td>\n<\/tr>\n<tr style=\"height: 59px;\">\n<td style=\"width: 100%; text-align: center; height: 59px;\" colspan=\"2\">Ces changements seront mis en place \u00e0 partir du 5 ao\u00fbt 2020<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][vc_message el_class=&#8221;checkmarks&#8221;]<\/p>\n<h6>Meilleures Cartes<\/h6>\n<p>Consultez notre article sur <a target=\"_blank\" href=\"\/?p=90868\">les alternatives \u00e0 la Carte VoyagesPlus World Elite Mastercard de Capital One<\/a>.[\/vc_message][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Desjardins&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;desjardins&#8221;][vc_column_text]Carte concern\u00e9e:\u00a0<a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-desjardins-remises-world-elite-mastercard\/\">Carte Desjardins Remises World Mastercard<\/a>[\/vc_column_text][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 125px;\">\n<tbody>\n<tr style=\"height: 22px;\">\n<td style=\"width: 50%; text-align: center; height: 22px;\"><strong>Avant<\/strong><\/td>\n<td style=\"width: 50%; text-align: center; height: 22px;\"><strong>Apr\u00e8s<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 44px;\">\n<td style=\"width: 50%; height: 44px; text-align: center;\">2&nbsp;% (sans contact)<\/td>\n<td style=\"width: 50%; height: 44px; text-align: center;\">&#8211;<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\">2&nbsp;% (pr\u00e9l\u00e8vements)<\/td>\n<td style=\"width: 50%; text-align: center;\">2&nbsp;%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\">1&nbsp;% (divertissement)<\/td>\n<td style=\"width: 50%; text-align: center;\">2&nbsp;%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\">1&nbsp;% (restaurant)<\/td>\n<td style=\"width: 50%; text-align: center;\">2&nbsp;%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\">1&nbsp;% (transport en commun)<\/td>\n<td style=\"width: 50%; text-align: center;\">2&nbsp;%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\">1&nbsp;% (autres)<\/td>\n<td style=\"width: 50%; text-align: center;\"><strong>0,5&nbsp;%<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 59px;\">\n<td style=\"width: 100%; text-align: center; height: 59px;\" colspan=\"2\">Ces changements seront mis en place \u00e0 partir du 18 octobre 2020<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][vc_column_text]Cartes concern\u00e9es: <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-desjardins-visa-remises\/\">Cartes Desjardins Remises Visa<\/a> &amp;\u00a0<a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/cartes-desjardins-remises-mastercard\/\">Carte Desjardins Remises Mastercard<\/a>[\/vc_column_text][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 125px;\">\n<tbody>\n<tr style=\"height: 22px;\">\n<td style=\"width: 50%; text-align: center; height: 22px;\"><strong>Avant<\/strong><\/td>\n<td style=\"width: 50%; text-align: center; height: 22px;\"><strong>Apr\u00e8s<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 44px;\">\n<td style=\"width: 50%; height: 44px; text-align: center;\">1&nbsp;% (sans contact)<\/td>\n<td style=\"width: 50%; height: 44px; text-align: center;\">&#8211;<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\">1&nbsp;% (pr\u00e9l\u00e8vements)<\/td>\n<td style=\"width: 50%; text-align: center;\">2&nbsp;%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\">0.5&nbsp;% (divertissement)<\/td>\n<td style=\"width: 50%; text-align: center;\">2&nbsp;%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\">0.5&nbsp;% (restaurant)<\/td>\n<td style=\"width: 50%; text-align: center;\">2&nbsp;%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\">0.5&nbsp;% (transport en commun)<\/td>\n<td style=\"width: 50%; text-align: center;\">2&nbsp;%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\">0,5&nbsp;% (autres)<\/td>\n<td style=\"width: 50%; text-align: center;\">0,5&nbsp;%<\/td>\n<\/tr>\n<tr style=\"height: 59px;\">\n<td style=\"width: 100%; text-align: center; height: 59px;\" colspan=\"2\">Ces changements seront mis en place \u00e0 partir du 18 octobre 2020<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][vc_column_text]Carte concern\u00e9e:\u00a0<a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-desjardins-odyssee-world-elite-mastercard\/\">Carte Desjardins Odyss\u00e9e<sup>MD<\/sup> World Elite<sup>MD<\/sup> Mastercard<\/a>[\/vc_column_text][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 125px;\">\n<tbody>\n<tr style=\"height: 22px;\">\n<td style=\"width: 50%; text-align: center; height: 22px;\"><strong>Avant<\/strong><\/td>\n<td style=\"width: 50%; text-align: center; height: 22px;\"><strong>Apr\u00e8s<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 44px;\">\n<td style=\"width: 50%; height: 44px; text-align: center;\">20&nbsp;% de bonidollars additionnels par an<br \/>\n(bonne gestion)<\/td>\n<td style=\"width: 50%; height: 44px; text-align: center;\"><b>supprim\u00e9 \u00e0 la fin 2020<\/b><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\">jusqu&#8217;\u00e0 2&nbsp;% de Bonidollars pour tous les achats<\/td>\n<td style=\"width: 50%; text-align: center;\"><b>3&nbsp;% <\/b>pour l&#8217;\u00e9picerie<b><br \/>\n2% <\/b>pour les restaurants, les divertissements, transports en commun<b><br \/>\n1,5&nbsp;%<\/b> pour tous les achats<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\">\u00a0<\/td>\n<td style=\"width: 50%; text-align: center;\">Supression de l&#8217;assurance Accident &#8211; V\u00e9hicule de transport public au 18 octobre 2020<\/td>\n<\/tr>\n<tr style=\"height: 59px;\">\n<td style=\"width: 100%; text-align: center; height: 59px;\" colspan=\"2\">Ces changements seront mis en place \u00e0 partir du 18 octobre 2020<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][vc_column_text]Carte concern\u00e9e:\u00a0<a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-desjardins-odyssee-visa-infinite-privilege\/\">Carte Desjardins Odyss\u00e9e Visa Infinite Privilege<\/a>[\/vc_column_text][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 125px;\">\n<tbody>\n<tr style=\"height: 22px;\">\n<td style=\"width: 50%; text-align: center; height: 22px;\"><strong>Avant<\/strong><\/td>\n<td style=\"width: 50%; text-align: center; height: 22px;\"><strong>Apr\u00e8s<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 44px;\">\n<td style=\"width: 50%; height: 44px; text-align: center;\">20% de bonidollars additionnels par an<br \/>\n(bonne gestion)<\/td>\n<td style=\"width: 50%; height: 44px; text-align: center;\"><b>supprim\u00e9 \u00e0 la fin 2020<\/b><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\">2% de Bonidollars pour tous les achats<\/td>\n<td style=\"width: 50%; text-align: center;\"><b>4% <\/b>pour les restaurants, les divertissements et les transports publics<b><br \/>\n3% <\/b>pour l&#8217;\u00e9picerie et les voyages<b><br \/>\n1,75%<\/b> pour tous les achats<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\">\u00a0<\/td>\n<td style=\"width: 50%; text-align: center;\"><b>\u00a0<\/b><\/td>\n<\/tr>\n<tr style=\"height: 59px;\">\n<td style=\"width: 100%; text-align: center; height: 59px;\" colspan=\"2\">Ces changements seront mis en place \u00e0 partir du 18 octobre 2020<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][vc_message el_class=&#8221;checkmarks&#8221;]<\/p>\n<h6>Meilleures Cartes<\/h6>\n<p>Consultez nos diff\u00e9rentes pages pour trouver une carte de cr\u00e9dit alternative:<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/meilleures-cartes-de-credit\/remise-en-argent\/\">Les Meilleures Cartes de Cr\u00e9dit Avec Remises En Argent<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/meilleures-cartes-de-credit\/assurances\/\">Les Meilleures Cartes de Cr\u00e9dit Pour les Assurances<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/meilleures-cartes-de-credit\/voyages\/\">Les Meilleures Cartes de Cr\u00e9dit Voyage<\/a><\/li>\n<\/ul>\n<p>[\/vc_message][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;MBNA&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;mbna&#8221;][vc_column_text]Cartes concern\u00e9e: <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/mastercard-world-elite-recompenses-mbna-quebec\/\">Carte Mastercard<sup>MD<\/sup> r\u00e9compenses MBNA World Elite<sup>MD<\/sup><\/a>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"25510,25774\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 245px;\">\n<tbody>\n<tr style=\"height: 22px;\">\n<td style=\"width: 50%; text-align: center; height: 22px;\"><strong>Avant<\/strong><\/td>\n<td style=\"width: 50%; text-align: center; height: 22px;\"><strong>Apr\u00e8s<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 44px;\">\n<td style=\"width: 50%; height: 44px; text-align: center;\">2 points<\/td>\n<td style=\"width: 50%; height: 44px; text-align: center;\"><strong>1<\/strong> point<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 50%; text-align: center; height: 24px;\">&#8211;<\/td>\n<td style=\"width: 50%; text-align: center; height: 24px;\"><strong>5<\/strong> points<br \/>\n(restaurants, \u00e9piceries, m\u00e9dias num\u00e9riques, abonnements, services publics de m\u00e9nage)<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 50%; text-align: center; height: 24px;\">&#8211;<\/td>\n<td style=\"width: 50%; text-align: center; height: 24px;\">Prime anniversaire de 10&nbsp;%<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\">Frais annuels: 89&nbsp;$<\/td>\n<td style=\"width: 50%; text-align: center;\"><strong>Frais annuels: 120&nbsp;$<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 59px;\">\n<td style=\"width: 100%; text-align: center; height: 59px;\" colspan=\"2\">Ces changements seront mis en place \u00e0 partir du 31 ao\u00fbt 2021<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][vc_column_text]Cartes concern\u00e9e: <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-de-credit-mastercard-platine-plus-recompenses-mbna-quebec\/\">Carte de cr\u00e9dit Mastercard<sup>MD<\/sup> Platine Plus<sup>MD<\/sup> r\u00e9compenses MBNA<\/a>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22681,25080\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 245px;\">\n<tbody>\n<tr style=\"height: 22px;\">\n<td style=\"width: 50%; text-align: center; height: 22px;\"><strong>Avant<\/strong><\/td>\n<td style=\"width: 50%; text-align: center; height: 22px;\"><strong>Apr\u00e8s<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 44px;\">\n<td style=\"width: 50%; height: 44px; text-align: center;\">1 point<\/td>\n<td style=\"width: 50%; height: 44px; text-align: center;\">1 point<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 50%; text-align: center; height: 24px;\">2 points<\/td>\n<td style=\"width: 50%; text-align: center; height: 24px;\">2 points<br \/>\n(restaurants, \u00e9piceries, m\u00e9dias num\u00e9riques, abonnements, services publics de m\u00e9nage)<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 50%; text-align: center; height: 24px;\">Limite par cat\u00e9gorie: 5&nbsp;000&nbsp;$<\/td>\n<td style=\"width: 50%; text-align: center; height: 24px;\">Limite par cat\u00e9gorie: 10&nbsp;000&nbsp;$<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 50%; text-align: center; height: 24px;\">&#8211;<\/td>\n<td style=\"width: 50%; text-align: center; height: 24px;\">Prime anniversaire de 10&nbsp;%<\/td>\n<\/tr>\n<tr style=\"height: 59px;\">\n<td style=\"width: 100%; text-align: center; height: 59px;\" colspan=\"2\">Ces changements seront mis en place \u00e0 partir du 31 ao\u00fbt 2021<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\"><\/div>[vc_message el_class=&#8221;checkmarks&#8221;]<\/p>\n<h6>Meilleures Cartes<\/h6>\n<p>Consultez nos diff\u00e9rentes pages pour trouver une carte de cr\u00e9dit alternative:<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/meilleures-cartes-de-credit\/remise-en-argent\/\">Les Meilleures Cartes de Cr\u00e9dit Avec Remises En Argent<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/meilleures-cartes-de-credit\/sans-frais\/\">Les Meilleures Cartes de Cr\u00e9dit Sans Frais Annuels<\/a><\/li>\n<\/ul>\n<p>[\/vc_message][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Conclusion&#8221; el_id=&#8221;conclusion&#8221;][vc_column_text]En Am\u00e9rique du Nord, <strong>les programmes de fid\u00e9lit\u00e9 sont majoritairement b\u00e2tis autour des cartes de cr\u00e9dit<\/strong>.<\/p>\n<p>Un changement de 10 points sur le taux de base des frais d&#8217;interchange (comme ici de 1.5&nbsp;% \u00e0 1.4&nbsp;%) peut donc avoir des changements importants sur tout l&#8217;\u00e9cosyst\u00e8me, comme vous le voyez avec tous les ajustements apport\u00e9s par les institutions bancaires.<\/p>\n<p>Est-ce que pour autant nous verrons les prix baiss\u00e9s pour les produits et services que l&#8217;on ach\u00e8te aupr\u00e8s des commer\u00e7ants?<\/p>\n<p>\u00c0 vous d&#8217;en juger.[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Les frais d&#8217;interchange permettent aux \u00e9metteurs de cartes de cr\u00e9dit d&#8217;offrir des r\u00e9compenses. D\u00e9couvrez de quoi il s&#8217;agit et les changements en 2020-2021.<\/p>","protected":false},"author":3,"featured_media":79919,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[45822],"tags":[],"mc_loyalty_program":[],"class_list":["post-79901","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guides"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":null,"mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Qu&#039;est-ce-que sont les frais d&#039;interchange ? | milesopedia<\/title>\n<meta name=\"description\" content=\"Les frais d&#039;interchange permettent aux \u00e9metteurs de cartes de cr\u00e9dit d&#039;offrir des r\u00e9compenses. 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