Ratesopedia

Pros

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

Cons

  • Foreign Transaction Fee (2.5%)

Rewards

All Spending

0x

pts per dollar

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
    10.9%
  • Cash Advance
    12.9%
  • Foreign Transaction Fee
    2.5%

Terms & Conditions

Card Features

  • No Annual Fee
  • Low-interest

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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.