Desjardins

Desjardins Cash Back Visa

VisaCashback

Compare

on Desjardins's website

Annual Fee

Welcome Bonus

—

Bonus Value

—

Estimated value

1st Year Value

$203

✓

Pros

✓Purchase protection included
✓Travel medical insurance included
✓No annual fee

✗

Cons

✗Foreign Transaction Fee (2.5%)

Our Review

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:

90 days purchase insurance
One year extended warranty
Mobile Device Insurance

Rewards

All Spending

0.5x

Cashback pts per dollar

Recurring

Restaurants

Transit

Entertainment

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

Recurring2x

$300/month

Restaurants2x

$160/month

Transit2x

$140/month

Entertainment2x

$150/month

Groceries0.5x

$400/month

Gas0.5x

$300/month

All other spending0.5x

$700/month

Points Earned

26,400

Cashback/yr

Estimated Value

$264

After Fees

+$264

1st Year Value

$264

incl. welcome bonus

Annual rewards breakdown

Recurring$3,600/yr × 2x

7,200 pts

Restaurants$1,920/yr × 2x

3,840 pts

Transit$1,680/yr × 2x

3,360 pts

Entertainment$1,800/yr × 2x

3,600 pts

Groceries$4,800/yr × 0.5x

2,400 pts

Gas$3,600/yr × 0.5x

1,800 pts

All other spending$8,400/yr × 0.5x

4,200 pts

Total annual spend$25,800

Monthly spend$2,150

Average earn rate1.02x

Total points earned26,400 pts

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 Rate

20.9%

Cash Advance

21.9%

Foreign Transaction Fee

2.5%

Terms & Conditions

Card Features

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

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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.

Our Review

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:

90 days purchase insurance
One year extended warranty
Mobile Device Insurance

Terms & Conditions

Card Features

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