Best Desjardins Credit Cards in Canada - October 2026

Best Cards 1st Yr Free Cash Back Travel Groceries Gas & EV Business Low Interest

Compare

Desjardins Odyssey® World Elite® Mastercard

Desjardins BONUSDOLLARS Desjardins

Annual fee: $130
Welcome offer: No current welcome offer

Features
Issuer: Desjardins
Network
Loyalty Program: BONUSDOLLARS Desjardins

Fees and terms
Annual Fee: $130/yr
Additional card: $40
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

Compare

Desjardins Odyssey Visa Infinite Privilege Card

Desjardins BONUSDOLLARS Desjardins

Annual fee: $395
Welcome offer: No current welcome offer

Features
Issuer: Desjardins
Network
Loyalty Program: BONUSDOLLARS Desjardins

Fees and terms
Annual Fee: $395/yr
Additional card: $95
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
Entertainment: 4x
Restaurants: 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

Compare

Desjardins Cash Back World Elite Mastercard

Desjardins Cash Back

Annual fee: $100
Welcome offer: No current welcome offer

Features
Issuer: Desjardins
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $100/yr
Additional card: $30
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

Compare

Desjardins Odyssey® Gold Visa Card

Desjardins BONUSDOLLARS Desjardins

Annual fee: $110
Welcome offer: No current welcome offer

Features
Issuer: Desjardins
Network
Loyalty Program: BONUSDOLLARS Desjardins

Fees and terms
Annual Fee: $110/yr
Additional card: $30
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
Online purchases: 1x
Office: 1x
Convenience: 1x
Pharmacy: 1x
Groceries: 1x
Gas: 1x
Streaming: 1x
Telecom: 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

Compare

Desjardins Cash Back Visa

Desjardins Cash Back

Annual fee: $0
Welcome offer: No current welcome offer

Features
Issuer: Desjardins
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $0
Additional card: $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

Compare

Desjardins Bonus Visa* Credit Card

Desjardins BONUSDOLLARS Desjardins

Annual fee: $0
Welcome offer: No current welcome offer

Features
Issuer: Desjardins
Network
Loyalty Program: BONUSDOLLARS Desjardins

Fees and terms
Annual Fee: $0
Additional card: $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
Bills & recurring payments: 2x
Transit: 2x
Entertainment: 2x
Restaurants: 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

Compare

Desjardins Cash Back Mastercard

Desjardins Cash Back

Annual fee: $0
Welcome offer: No current welcome offer

Features
Issuer: Desjardins
Network
Loyalty Program: Cash Back

Fees and terms
Annual Fee: $0
Additional card: $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

Compare

Desjardins Flexi Visa Card

Desjardins

Annual fee: $0
Welcome offer: No current welcome offer

Features
Issuer: Desjardins
Network
Loyalty Program: —

Fees and terms
Annual Fee: $0
Additional card: $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

Compare

Desjardins Visa Business Card

Business Desjardins First-Year Annual Fee Rebate

Annual feeNo annual fee the first year: $0 $60
Our valuationMilesopedia first-year estimate First-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.: $60
Welcome offer$60 annual fee rebated: First Year Annual Fee Rebate

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

Purchase protection: Coverage
Purchase Protection: 90 days
Extended Warranty: +1 year
Mobile Device: $1,000

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

Compare

Desjardins Visa Business Advantage Card

Business Desjardins

Annual fee: $25
Welcome offer: No current welcome offer

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

Travel insurance: Coverage
Delayed Baggage: ✓
Lost Baggage: ✓
Flight Delay: ✓
Travel Accident: $100,000

Purchase protection: Coverage
Purchase Protection: 90 days
Extended Warranty: +1 year
Mobile Device: $1,000
Auto Rental Collision: $85,000 · 48 days

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

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

Find your perfect card

Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.

Compare cards →

Browse other categories

Issuer terms

Pros

Cons

Issuer terms

Pros

Cons

Issuer terms

Pros

Cons

Issuer terms

Pros

Cons

Issuer terms

Pros

Cons

Issuer terms

Pros

Cons

Issuer terms

Pros

Cons

Issuer terms

Pros

Cons

Pros

Cons

Pros

Cons

Read next

Articles

Desjardins Credit Card Lineup

Key Programs

Frequently Asked Questions

What is the best Desjardins credit card?

Do I need to be a Desjardins member?

Find your perfect card

Browse other categories

By Category

By Loyalty Program

By Issuer