['667']

Desjardins Cash Back World Elite Mastercard

mastercard-world-elite-enCashback

Compare

on ['667']'s website

Annual Fee

$100

Welcome Bonus

—

Bonus Value

—

Estimated value

1st Year Value

$322

✓

Pros

✓Up to 4x on Groceries
✓Purchase protection included
✓Travel medical insurance included

✗

Cons

✗Foreign Transaction Fee (2.5%)

Our Review

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:

90 days purchase insurance
One year extended warranty
Mobile Device Insurance

Rewards

All Spending

Cashback pts per dollar

Restaurants

Groceries

Transit

Entertainment

Credit Card Rewards Calculator

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

Restaurants3x

$160/month

Groceries4x

$400/month

Transit3x

$140/month

Entertainment3x

$150/month

Gas1x

$300/month

Recurring1x

$300/month

All other spending1x

$700/month

Points Earned

51,000

Cashback/yr

Estimated Value

$510

After Fees

+$410

1st Year Value

$410

incl. welcome bonus

Annual rewards breakdown

Restaurants$1,920/yr × 3x

5,760 pts

Groceries$4,800/yr × 4x

19,200 pts

Transit$1,680/yr × 3x

5,040 pts

Entertainment$1,800/yr × 3x

5,400 pts

Gas$3,600/yr × 1x

3,600 pts

Recurring$3,600/yr × 1x

3,600 pts

All other spending$8,400/yr × 1x

8,400 pts

Total annual spend$25,800

Monthly spend$2,150

Average earn rate1.98x

Total points earned51,000 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

+2 year(s)

✓

Mobile Device

Up to $1,500

✓

Auto Rental

Up to $85,000 / 48 days

Interest Rates

Purchase Rate

20.9%

Cash Advance

21.9%

Foreign Transaction Fee

2.5%

Eligibility

Personal Income

$80,000

Household Income

$150,000

Terms & Conditions

Card Features

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

Related Cards

SimplyCash® Preferred Card from American Express

American Express Canada

$778

SimplyCash® Card from American Express

American Express Canada

$463

Desjardins Cash Back Visa

Desjardins

$203

MBNA Smart Cash Platinum Plus® Mastercard®

MBNA

$396

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 ['667']. All trademarks are property of their respective owners.

Our Review

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:

90 days purchase insurance
One year extended warranty
Mobile Device Insurance

Terms & Conditions

Card Features

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