Pros
- ✓Purchase protection included
- ✓Travel medical insurance included
- ✓No annual fee
Cons
- ✗Foreign Transaction Fee (2.5%)
Our Review
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:
- 90 days purchase insurance
- One year extended warranty
- Mobile Device Insurance
Rewards
All Spending
0.5x
Cash Back pts per dollar
Restaurants
2x
Recurring
2x
Transit
2x
Entertainment
2x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$264
$/yr
Estimated Value
$264
After Fees
+$264
1st Year Value
$264
incl. welcome bonus
Annual rewards breakdown
Travel Insurance
Travel Medical
Up to $5,000,000 / 3 days
Trip Cancellation
Up to $500
Trip Interruption
Up to $1,000
Delayed Baggage
Up to $500
Lost Baggage
Up to $500
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Mobile Device
Up to $1,000
Interest Rates
- Purchase Rate20.9%
- Cash Advance21.9%
- Foreign Transaction Fee2.5%
Terms & Conditions
Card Features
- 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
Related Cards
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Desjardins. All trademarks are property of their respective owners.