Scotia Momentum® Visa Infinite +* CardScotia Momentum® Visa Infinite +* Card•15% cash back on up to $2,000 in purchases + No annual fee in the first year*
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Desjardins

Best Desjardins Credit Cards in Canada - September 2026

Compare all Desjardins credit cards. Odyssey, Bonusdollars, and Remises Visa cards reviewed.

Sponsored
TD First Class Travel® Visa Infinite* Card
TDTD RewardsFirst-Year Annual Fee Rebate
Annual fee
$0 $139
No annual fee the first year
Our valuation
$1,039
Milesopedia first-year estimateFirst-year valueWelcome bonus$800Annual fee rebated$139Annual credit$100Total$1,039Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 160,000 points
+ First Year Annual Fee Rebate
Apply Now

on TD's website

With the TD First Class Travel® Visa Infinite* Card, you can earn up to 160,000 TD Rewards Points† as well as an Annual Fee rebate for the first year†:

  • 20,000 TD Rewards Points for the first purchase made with your card†
  • 140,000 TD Rewards Points when you spend $7,500 within 180 days of account opening†
  • A Birthday Bonus of up to 10,000 TD Rewards Points†

Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD, and enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $277)†.

With the TD First Class Travel® Visa Infinite* Card, you earn:

  • 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†
  • 6 TD Rewards Points† per dollar on your grocery, dining and public transit purchases
  • 4 TD Rewards Points† per dollar on your recurring bill payments and purchases of streaming services as well as digital games and media
  • 2 TD Rewards Points† per dollar on all other purchases made with your card

This card also allows you to enjoy a range of travel benefits, including an annual travel credit, complimentary airport lounge visits, and a birthday bonus that boosts your points each year†.

Legal

†Terms and conditions apply.

Annual fee

Primary card$139
Additional card$50

Annual income required

Individual$60,000
Household$100,000

Conversion fees

2.5%

Earning rate

  • 6xGroceries
  • 6xRestaurants
  • 6xTransit
  • 4xBills & recurring payments
  • 4xStreaming
  • 2xAll spending

Value

1st Year Value$1,406
2nd Year Value$531

Card benefits

Concierge service24/7
Airport lounge access$160

Travel insurance

Travel medical (under 55)Up to $2,000,000 / 21 days
Travel medical (55-64)Up to $2,000,000 / 21 days
Travel medical (65+)Up to $2,000,000 / 4 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $500
Hotel BurglaryUp to $2,500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000
Auto Rental CollisionUp to $65,000 / 48 days
Desjardins Odyssey World Elite Mastercard
Desjardins Odyssey® World Elite® Mastercard
DesjardinsBONUSDOLLARS Desjardins
Annual fee
$130
Welcome offer
No current welcome offer
Apply Now

on Desjardins's website

Features
Issuer
Desjardins
Network
Loyalty Program
BONUSDOLLARS Desjardins
Fees and terms
Annual Fee
$130/yr
Min. annual income
$80,000+
Household income
$150,000+
Interest rates
Purchases
20.9 %
Cash advance
21.9 %
Foreign transaction fee
2.5 %

Issuer terms

  • 3% in BONUSDOLLARS for your purchases in the Grocery category (up to $10,000 in annual purchases – beyond that, the earn rate decreases to 1%)
  • 3% in BONUSDOLLARS for your purchases in the Restaurant category (up to $6,000 in annual purchases – beyond that, the earn rate decreases to 1%)
  • 2% in BONUSDOLLARS for your purchases in the Entertainment, Travel, and Public Transportation categories
  • 1% in BONUSDOLLARS for your other purchases
Read full review
Rewards
Rate
Groceries
3x
Restaurants
3x
Entertainment
2x
Travel
2x
Transit
2x
Benefits
Airport lounges
$320
Travel insurance
Coverage
Travel medical (under 55)
$5,000,000 · 60 days
Travel medical (55-64)
$5,000,000 · 31 days
Travel medical (65+)
$5,000,000 · 15 days
Trip Cancellation
$2,500
Trip Interruption
✓
Delayed Baggage
$500
Lost Baggage
$1,000
Travel Accident
$1,000,000
Purchase protection
Coverage
Purchase Protection
120 days
Extended Warranty
+2 years
Mobile Device
$1,500 · 1 year
Auto Rental Collision
$85,000 · 48 days
Read full review

Pros

  • 3x on groceries
  • 3x at restaurants

Cons

  • No welcome bonus
  • Requires good credit

The Desjardins Odyssey World Elite Mastercard is a credit card that offers BONUSDOLLARS.

With this card, you can earn:

  • 3% in BONUSDOLLARS for your purchases in the Grocery category (up to $10,000 in annual purchases – beyond that, the earn rate decreases to 1%)
  • 3% in BONUSDOLLARS for your purchases in the Restaurant category (up to $6,000 in annual purchases – beyond that, the earn rate decreases to 1%)
  • 2% in BONUSDOLLARS for your purchases in the Entertainment, Travel, and Public Transportation categories
  • 1% in BONUSDOLLARS for your other purchases

In addition, this card offers several purchase insurances…

Read full review
Desjardins Cash Back World Elite Mastercard
Desjardins Cash Back World Elite Mastercard
DesjardinsCash Back
Annual fee
$100
Welcome offer
No current welcome offer
Apply Now

on Desjardins's website

Features
Issuer
Desjardins
Network
Loyalty Program
Cash Back
Fees and terms
Annual Fee
$100/yr
Min. annual income
$80,000+
Household income
$150,000+
Interest rates
Purchases
20.9 %
Cash advance
21.9 %
Foreign transaction fee
2.5 %

Issuer terms

  • 4% cash back on grocery purchases (up to $10,000 in annual purchases – thereafter, the earn rate decreases to 1%)
  • 3% cash back on restaurant purchases (up to $6,000 in annual purchases – thereafter, the earn rate decreases to 1%)
  • 3% cash back on purchases in the Entertainment and Public Transit categories
  • 1% cash back on your other purchases
Read full review
Rewards
Rate
Groceries
4x
Restaurants
3x
Transit
3x
Entertainment
3x
Travel insurance
Coverage
Travel medical (under 55)
$5,000,000 · 3 days
Travel medical (55-64)
$5,000,000 · 3 days
Travel medical (65+)
$5,000,000 · 3 days
Trip Cancellation
$500
Trip Interruption
$1,000
Delayed Baggage
$500
Lost Baggage
$500
Purchase protection
Coverage
Purchase Protection
120 days
Extended Warranty
+2 years
Mobile Device
$1,500 · 1 year
Auto Rental Collision
$85,000 · 48 days
Read full review

Pros

  • 4x on groceries
  • 3x at restaurants

Cons

  • No welcome bonus
  • Requires good credit

The Desjardins World Elite Mastercard is a cash back credit card.

With this card, you can earn:

  • 4% cash back on grocery purchases (up to $10,000 in annual purchases – thereafter, the earn rate decreases to 1%)
  • 3% cash back on restaurant purchases (up to $6,000 in annual purchases – thereafter, the earn rate decreases to 1%)
  • 3% cash back on purchases in the Entertainment and Public Transit categories
  • 1% cash back on your other purchases

In addition, this card offers several purchase insurance coverages…

Read full review
Desjardins Odyssey Visa Infinite Privilege Card
Desjardins Odyssey Visa Infinite Privilege Card
DesjardinsBONUSDOLLARS Desjardins
Annual fee
$395
Welcome offer
No current welcome offer
Apply Now

on Desjardins's website

Features
Issuer
Desjardins
Network
Loyalty Program
BONUSDOLLARS Desjardins
Fees and terms
Annual Fee
$395/yr
Min. annual income
$150,000+
Household income
$200,000+
Interest rates
Purchases
11.9 %
Cash advance
12.9 %
Foreign transaction fee
2.5 %

Issuer terms

  • 4% in BONUSDOLLARS for your purchases in the Restaurant, Entertainment, Public Transit categories
  • 3% in BONUSDOLLARS for your purchases in the Travel category (up to $25,000 in purchases per year – beyond that, the accumulation rate decreases to 1.5%)
  • 3% in BONUSDOLLARS for your purchases in the Grocery category
  • 1.5% in BONUSDOLLARS for your other purchases
Read full review
Rewards
Rate
Restaurants
4x
Entertainment
4x
Groceries
3x
Travel
3x
Benefits
Airport lounges
$400
Concierge
Included
Travel insurance
Coverage
Travel medical (under 55)
$5,000,000 · 60 days
Travel medical (55-64)
$5,000,000 · 31 days
Travel medical (65+)
$5,000,000 · 15 days
Trip Cancellation
$2,500
Trip Interruption
✓
Delayed Baggage
$1,000
Lost Baggage
$2,500
Travel Accident
$1,000,000
Purchase protection
Coverage
Purchase Protection
180 days
Extended Warranty
+2 years
Mobile Device
$1,500 · 1 year
Auto Rental Collision
$85,000 · 48 days
Read full review

Pros

  • 3x on groceries
  • 4x at restaurants

Cons

  • High annual fee ($395)
  • No welcome bonus
  • Requires good credit

The Desjardins Odyssey Visa Infinite Privilege Card is a credit card offering BONUSDOLLARS.

With this card, you can earn:

  • 4% in BONUSDOLLARS for your purchases in the Restaurant, Entertainment, Public Transit categories
  • 3% in BONUSDOLLARS for your purchases in the Travel category (up to $25,000 in purchases per year – beyond that, the accumulation rate decreases to 1.5%)
  • 3% in BONUSDOLLARS for your purchases in the Grocery category
  • 1.5% in BONUSDOLLARS for your other purchases

In addition, this card offers several insurance coverages for your purchases…

Read full review
Desjardins Cash Back Visa
Desjardins Cash Back Visa
DesjardinsCash Back
Annual fee
$0
Welcome offer
No current welcome offer
Apply Now

on Desjardins's website

Features
Issuer
Desjardins
Network
Loyalty Program
Cash Back
Fees and terms
Annual Fee
$0
Min. annual income
—
Household income
$0+
Interest rates
Purchases
20.9 %
Cash advance
21.9 %
Foreign transaction fee
2.5 %

Issuer terms

  • 2% cash back on your purchases in the Restaurant and Pre-authorized Debit categories (up to $3,600 in annual purchases – beyond that, the accumulation rate decreases to 0.5%)
  • 2% cash back on purchases in the Entertainment and Public Transit categories
  • 0.5% cash back on your other purchases
Read full review
Rewards
Rate
Bills & recurring payments
2x
Restaurants
2x
Transit
2x
Entertainment
2x
Travel insurance
Coverage
Travel medical (under 55)
$5,000,000 · 3 days
Travel medical (55-64)
$5,000,000 · 3 days
Travel medical (65+)
$5,000,000 · 3 days
Trip Cancellation
$500
Trip Interruption
$1,000
Delayed Baggage
$500
Lost Baggage
$500
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Mobile Device
$1,000 · 1 year
Read full review

Pros

  • No annual fee
  • 2x at restaurants

Cons

  • No welcome bonus

The Desjardins Visa Cash Back Card is a credit card with no annual fee.

With this card, you can earn:

  • 2% cash back on your purchases in the Restaurant and Pre-authorized Debit categories (up to $3,600 in annual purchases – beyond that, the accumulation rate decreases to 0.5%)
  • 2% cash back on purchases in the Entertainment and Public Transit categories
  • 0.5% cash back on your other purchases

In addition, this card offers several purchase insurances…

Read full review
Desjardins Cash Back Mastercard
Desjardins Cash Back Mastercard
DesjardinsCash Back
Annual fee
$0
Welcome offer
No current welcome offer
Apply Now

on Desjardins's website

Features
Issuer
Desjardins
Network
Loyalty Program
Cash Back
Fees and terms
Annual Fee
$0
Min. annual income
—
Household income
$0+
Interest rates
Purchases
20.9 %
Cash advance
21.9 %
Foreign transaction fee
2.5 %

Issuer terms

  • 2% cash back on your Restaurant and Automatic Payment purchases (up to $3,600 in purchases per year – beyond that, the earning rate decreases to 0.5%)
  • 2% cash back on purchases in the Entertainment and Public Transit categories
  • 0.5% cash back on all other purchases
Read full review
Rewards
Rate
Restaurants
2x
Bills & recurring payments
2x
Transit
2x
Entertainment
2x
Travel insurance
Coverage
Travel medical (under 55)
$5,000,000 · 3 days
Travel medical (55-64)
$5,000,000 · 3 days
Travel medical (65+)
$5,000,000 · 3 days
Trip Cancellation
$500
Trip Interruption
$1,000
Delayed Baggage
$500
Lost Baggage
$500
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Mobile Device
$1,000 · 1 year
Read full review

Pros

  • No annual fee
  • 2x at restaurants

Cons

  • No welcome bonus

The Desjardins Cash Back Mastercard is a credit card with no annual fee.

With this card, you can earn:

  • 2% cash back on your Restaurant and Automatic Payment purchases (up to $3,600 in purchases per year – beyond that, the earning rate decreases to 0.5%)
  • 2% cash back on purchases in the Entertainment and Public Transit categories
  • 0.5% cash back on all other purchases

In addition, this card offers several purchase insurance benefits…

Read full review
Desjardins Bonus Visa Credit Card
Desjardins Bonus Visa* Credit Card
DesjardinsBONUSDOLLARS Desjardins
Annual fee
$0
Welcome offer
No current welcome offer
Apply Now

on Desjardins's website

Features
Issuer
Desjardins
Network
Loyalty Program
BONUSDOLLARS Desjardins
Fees and terms
Annual Fee
$0
Min. annual income
—
Household income
$0+
Interest rates
Purchases
20.9 %
Cash advance
21.9 %
Foreign transaction fee
2.5 %

Issuer terms

  • 2% in BONUSDOLLARS on purchases in the Restaurant and Automatic Withdrawal categories (up to $3,600 in purchases per year – beyond that, the earning rate decreases to 0.5%)
  • 2% in BONUSDOLLARS on purchases in the Entertainment and Public Transportation categories
  • 0.5% in BONUSDOLLARS on all other purchases
Read full review
Rewards
Rate
Transit
2x
Entertainment
2x
Restaurants
2x
Bills & recurring payments
2x
Travel insurance
Coverage
Travel medical (under 55)
$5,000,000 · 3 days
Travel medical (55-64)
$5,000,000 · 3 days
Travel medical (65+)
$5,000,000
Trip Cancellation
$500
Trip Interruption
$1,000
Delayed Baggage
$500
Lost Baggage
$500
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Mobile Device
$1,000 · 1 year
Read full review

Pros

  • No annual fee
  • 2x at restaurants

Cons

  • No welcome bonus

The Desjardins Bonus Visa* Credit Card is a credit card with no annual fee.

With this card, you can earn:

  • 2% in BONUSDOLLARS on purchases in the Restaurant and Automatic Withdrawal categories (up to $3,600 in purchases per year – beyond that, the earning rate decreases to 0.5%)
  • 2% in BONUSDOLLARS on purchases in the Entertainment and Public Transportation categories
  • 0.5% in BONUSDOLLARS on all other purchases

In addition, this card offers several purchase insurance benefits…

Read full review
Desjardins Odyssey Gold Visa Card
Desjardins Odyssey® Gold Visa Card
DesjardinsBONUSDOLLARS Desjardins
Annual fee
$110
Welcome offer
No current welcome offer
Apply Now

on Desjardins's website

Features
Issuer
Desjardins
Network
Loyalty Program
BONUSDOLLARS Desjardins
Fees and terms
Annual Fee
$110/yr
Min. annual income
—
Household income
$0+
Interest rates
Purchases
20.9 %
Cash advance
21.9 %
Foreign transaction fee
2.5 %

Issuer terms

  • 2% in BONUSDOLLARS on your purchases in the Restaurant, Travel, and Pre-authorized payment categories (up to $6,000 in purchases per year—beyond that, the earn rate drops to 0.65%)
  • 2% in BONUSDOLLARS on your purchases in the Entertainment and Public transit categories
  • 0.65% in BONUSDOLLARS on your other purchases
Read full review
Rewards
Rate
Bills & recurring payments
2x
Travel
2x
Restaurants
2x
Transit
2x
Entertainment
2x
Office
1x
Convenience
1x
Pharmacy
1x
Groceries
1x
Gas & EV
1x
Streaming
1x
Telecom
1x
Online purchases
1x
Travel insurance
Coverage
Travel medical (under 55)
$5,000,000 · 60 days
Travel medical (55-64)
$5,000,000 · 31 days
Travel medical (65+)
$5,000,000 · 15 days
Trip Cancellation
$2,500
Trip Interruption
✓
Delayed Baggage
$500
Lost Baggage
$1,000
Travel Accident
$1,000,000
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Mobile Device
$1,000 · 1 year
Auto Rental Collision
$85,000 · 48 days
Read full review

Pros

  • 2x at restaurants

Cons

  • No welcome bonus

The Desjardins Odyssey Gold Visa Card is a credit card that earns BONUSDOLLARS.

With this card, you can earn:

  • 2% in BONUSDOLLARS on your purchases in the Restaurant, Travel, and Pre-authorized payment categories (up to $6,000 in purchases per year—beyond that, the earn rate drops to 0.65%)
  • 2% in BONUSDOLLARS on your purchases in the Entertainment and Public transit categories
  • 0.65% in BONUSDOLLARS on your other purchases

In addition, this card offers several purchase insurances…

Read full review
Desjardins Visa Business Advantage Card
Desjardins Visa Business Advantage Card
BusinessDesjardins
Annual fee
$25
Welcome offer
No current welcome offer
Apply Now

on Desjardins's website

Features
Issuer
Desjardins
Network
—
Loyalty Program
—
Fees and terms
Annual Fee
$25/yr
Min. annual income
—
Interest rates
Foreign transaction fee
2.5 %
Read full review

Pros

  • Simple and straightforward

Cons

  • No welcome bonus
  • Modest reward rates

The Desjardins Business Advantage Visa Card is aimed at businesses with high purchase volumes that want tighter control over their spending while earning a rebate on their annual volume.

What the card gives you:

  • Up to 1% of your purchases in cash back, on annual purchases between $12,000 and $750,000, for a maximum rebate of $7,380 per 12-month period
  • A $25 annual fee per card, and no fee for additional cards for Desjardins members
  • Additional cards for your employees and consolidated payments through a master account
  • A 21-day grace period to pay your balance without finance charges, except on cash advances
  • Desjardins Business account management

The purchase interest rate is the prime rate + 8.5%. The prime rate is variable and the annual rate is set by the Fédération des caisses Desjardins du Québec based on your company’s situation, following a review of the file. A 2.5% conversion fee applies to foreign currency transactions. This card does not offer a welcome bonus.

Read full review
Desjardins Flexi Visa Card
Desjardins Flexi Visa Card
Desjardins
Annual fee
$0
Welcome offer
No current welcome offer
Apply Now

on Desjardins's website

Features
Issuer
Desjardins
Network
Loyalty Program
—
Fees and terms
Annual Fee
$0
Min. annual income
—
Household income
$0+
Interest rates
Purchases
10.9 %
Cash advance
12.9 %
Foreign transaction fee
2.5 %

Issuer terms

  • No Annual Fee
  • Low-interest
Read full review
Travel insurance
Coverage
Travel medical (under 55)
$5,000,000 · 3 days
Travel medical (55-64)
$5,000,000 · 3 days
Travel medical (65+)
$5,000,000 · 3 days
Trip Cancellation
$500
Trip Interruption
$1,000
Delayed Baggage
$500
Lost Baggage
$500
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Mobile Device
$1,000 · 1 year
Read full review

Pros

  • No annual fee

Cons

  • No welcome bonus
  • Modest reward rates

The Desjardins Flexi Visa Card is a low-interest card with no annual fee. It is designed for people who sometimes carry a balance and want to reduce the interest they pay, while avoiding an annual fee.

With a low interest rate on purchases, it is a simple, economical card for managing your everyday expenses.

The annual interest rate is 10.9% on purchases and 12.9% on cash advances. A 2.5% foreign transaction fee applies to purchases made in a foreign currency.

Read full review
Desjardins Visa Business Card
Desjardins Visa Business Card
BusinessDesjardinsFirst-Year Annual Fee Rebate
Annual fee
$0 $60
No annual fee the first year
Our valuation
$60
Milesopedia first-year estimateFirst-year valueAnnual fee rebated$60Total$60Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
First Year Annual Fee Rebate
$60 annual fee rebated
Apply Now

on Desjardins's website

Features
Issuer
Desjardins
Network
—
Loyalty Program
—
Fees and terms
Annual Fee
$60/yr
Min. annual income
—
Interest rates
Foreign transaction fee
2.5 %
Read full review

Pros

  • First Year Annual Fee Rebate

Cons

  • No welcome bonus
  • Modest reward rates

The Desjardins Business Visa Card helps you keep business spending separate from your personal finances, while earning cash back on your annual purchase volume.

Promotional offer: no annual fee for 1 year.

What the card gives you:

  • Up to 1% of your purchases in cash back through the Business Savings Program, on annual purchases between $12,000 and $500,000, for a maximum rebate of $4,880 per 12-month period
  • No annual fee for the first year, then $60 per card, or $40 per card if you hold 5 cards or more
  • Additional cards for your employees and consolidated payments through a master account
  • A 21-day grace period to pay your balance without finance charges, except on cash advances
  • Desjardins Business account management
    • …
Read full review
See more cards →

Desjardins Credit Card Lineup

Desjardins, Canada’s largest federation of credit unions, offers credit cards with the Odyssey travel program, Bonusdollars rewards, and cash back (Remises) options. As a Quebec-based institution, their cards are popular in the province.

Key Programs

Odyssey points are redeemable for travel through the Desjardins portal. Bonusdollars can be used at participating merchants. Their Remises Visa cards offer simple cash back.

FAQ

Frequently Asked Questions

What is the best Desjardins credit card?

The Desjardins Odyssey Visa Infinite is their best travel card. For cash back, the Remises Visa cards offer straightforward returns.

Do I need to be a Desjardins member?

Yes, you typically need to be a member of a Desjardins caisse populaire to apply for their credit cards.

Next step

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