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8 Best Desjardins Credit Cards for December 2025
Published Dec 5, 2025 1:41 PM • 5 min read
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Credit Card ExpertWhen it comes to cashback, travel, and no-fee credit cards, Desjardins delivers. Each card is equipped with an uncomplicated cashback rewards program, so you can collect your rewards and redeem them flexibly.
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Desjardins Cash Back World Elite® Mastercard®: Best Overall
Desjardins Flexi Visa: Best Low Interest
Desjardins Odyssey World Elite Mastercard: Best Travel
Desjardins Odyssey Visa: Game-Changing Travel Rewards: Best Premium Travel
Desjardins Cash Back Mastercard: Best No-Fee Cashback
Desjardins Cash Back Visa: Best No-Fee Cashback Benefits
Desjardins Bonus Visa: Best No-Fee BONUS DOLLARS
Desjardins Odyssey Gold Visa: Best Accessible Cashback
Best Desjardins Credit Cards in Canada
The Desjardins Cash Back World Elite Mastercard stands out for its high earn rates across essential spending categories, including 4% cash back on groceries and 3% on restaurants, entertainment, and transit. Additionally, it offers a slightly lower annual fee compared to other World Elite Mastercards, making it an attractive option for those looking to maximize their rewards without breaking the bank. With added perks like membership to over 1,300 airport lounges and various insurance coverages, this card provides excellent value, especially for frequent travelers and everyday spenders.
Pros
- High earn rates make it a strong option for those looking to maximize rewards on their spending.
- Slightly lower annual fee compared to other cards in its category, providing good value for its benefits.
- Comes with attractive perks from being a World Elite Mastercard, such as travel and purchase protection benefits. Membership to 1,300 airport lounges across the globe through DragonPass (no free passes)
Cons
- Limited physical branch access, with branches only in Quebec and Ontario, which may be inconvenient for those living elsewhere.
- Lacks a welcome bonus, which may be a drawback compared to other cards offering substantial introductory offers.
Rewards
- 4% cash back on grocery purchases (up to $400 cash back annually)
- 3% cash back on restaurant purchases (up to $180 cash back annually)
- 3% cash back on entertainment and alternative transportation purchases
- 1% cash back on all other purchases
Insurance
Coverage
Extended Warranty
1 year
Purchase Protection
90 days
Mobile Device Insurance
$1,000
Trip Cancellation
$500 for trips up to 3 days
Trip Interruption
$1,000 for trips up to 3 days
Travel Medical Insurance
$5M for trips up to 3 daysTravel Medical Insurance (65+)
$5M for trips up to 3 days
Baggage Delay
$500 for trips up to 3 days
Lost or Stolen Baggage
$500 for trips up to 3 days.svg)
Car Rental Damage & Theft
Yes
Benefits
Details
Airport Lounge - Dragon Pass
Pass only
Boingo Wi-Fi hotspot
over 1 million Boingo Wifi hotspots worldwide
Car Rental Discount
25% off base rate off Hertz car rentalCar Rental Discount
10% off base rate off Thrifty or Dollar rental
Eligibility
Credit Score
Very GoodAnnual Income
$80,000 personal or $150,000 household
Our choice for: Best Low Interest
APPLY NOW
on Desjardins' website
Welcome Bonus
N/A
Rewards Rate
No Rewards
Annual Fee
$0
Interest Rates
10.9% - 19.9 / 12.9%
If you plan to carry a balance on your credit card, this is one of the best no-fee, low-interest-rate credit cards in Canada. However, outside of this specific use case, the card doesn't offer many additional benefits.
Pros
- This is one of the best no-annual-fee, low-interest-rate credit cards in Canada, making it a great option for carrying a credit card balance.
Cons
- No rewards earned on purchases.
- The travel insurance is limited to just 3 days, which is too short to be useful for most trips.
Rewards
No rewards earned on this card
Insurance
Coverage
Travel Medical Insurance
$5M/insured up to 3 days, under 75 years oldTrip Cancellation
$500 per person for trips up to 3 daysTrip Interruption
$1,000 per person for trips up to 3 daysBaggage Delay
$500 per person after 6 hours delay for trips up to 3 daysLost or Stolen Baggage
$500 per person for trips up to 3 days
Common Carrier Travel Accident Insurance
$10,000 per person for trips up to 3 daysMobile Device Insurance
$1,000Purchase Protection
90 daysExtended Warranty
Doubled up to 1 year
Eligibility
Credit Score
GoodAnnual Income
N/A
The Desjardins Odyssey World Elite Mastercard is a strong contender in the World Elite category, offering impressive rewards of up to 3% cash back on groceries and 2% on other popular categories. With a comprehensive insurance package, including coverage for seniors, and perks like free lounge access in Montreal, this card is great for frequent travelers and high spenders. However, the lack of a welcome bonus and high income requirements might deter some users.
Pros
- High Earn Rates: Earn up to 3% cash back on groceries, 2% on restaurants, entertainment, and public transportation, and 1.5% on all other purchases.
- Comprehensive Insurance: Includes 9 types of travel insurance, with coverage extending to those over 65.
- Free Lounge Access: Enjoy 8 free passes to the Desjardins Odyssey Lounge in Montreal.
- World Elite Perks: Includes additional perks like Boingo Wi-Fi, Mastercard Travel Rewards, and more.
Cons
- No Welcome Bonus: Unlike many premium cards, this one lacks a welcome bonus, reducing its initial appeal.
- High Income Requirements: Requires a minimum personal income of $80,000 or household income of $150,000.
- Limited Branch Access: Physical branches are only available in Quebec and Ontario.
Rewards
- 3% in BONUS-DOLLARS on grocery purchases (up to $10,000 in spending per year)
- 2% in BONUS-DOLLARS on restaurant purchases (up to $6,000 in spending per year)
- 2% in BONUS-DOLLARS on entertainment, and public transit purchases
- 1.5% in BONUS-DOLLARS on all other purchases
Insurance
Coverage
Extended Warranty
1 yearPurchase Protection
90 daysMobile Device Insurance
$1,500Trip Cancellation
$500Trip Interruption
no limitsTravel Medical Insurance
60 daysTravel Medical Insurance (65+)
15 daysBaggage Delay
$1,000Lost or Stolen Baggage
$1,000Car Rental Damage & Theft
Yes
Benefits
Details
Airport Lounge - Desjardins Odyssey
8 free passes per yearCar Rental Discount
25% off base rate off Hertz car rentalCar Rental Discount
10% off base rate off Thrifty or Dollar rentalBoingo Wi-Fi hotspot
over 1 million Boingo Wifi hotspots worldwide
Eligibility
Credit Score
Very GoodAnnual Income
$80,000 personal or $150,000 household
The Desjardins Odyssey World Elite Mastercard is a strong contender in the World Elite category, offering impressive rewards of up to 3% cash back on groceries and 2% on other popular categories. With a comprehensive insurance package, including coverage for seniors, and perks like free lounge access in Montreal, this card is great for frequent travelers and high spenders. However, the lack of a welcome bonus and high income requirements might deter some users.
Pros
- High Earn Rates: Earn up to 3% cash back on groceries, 2% on restaurants, entertainment, and public transportation, and 1.5% on all other purchases.
- Comprehensive Insurance: Includes 9 types of travel insurance, with coverage extending to those over 65.
- Free Lounge Access: Enjoy 8 free passes to the Desjardins Odyssey Lounge in Montreal.
- World Elite Perks: Includes additional perks like Boingo Wi-Fi, Mastercard Travel Rewards, and more.
Cons
- No Welcome Bonus: Unlike many premium cards, this one lacks a welcome bonus, reducing its initial appeal.
- High Income Requirements: Requires a minimum personal income of $80,000 or household income of $150,000.
- Limited Branch Access: Physical branches are only available in Quebec and Ontario.
Rewards
- 4% in BONUS-DOLLARS on restaurant, entertainment and transit purchases
- 3% in BONUS-DOLLARS on travel related purchases (up to $25,000 spending per year)
- 3% in BONUS-DOLLARS on travel and grocery purchases
- 1.75% in BONUS-DOLLARS on all other purchases
Insurance
Coverage
Extended Warranty
2 yearsPurchase Protection
180 daysMobile Device Insurance
$1,000Trip Cancellation
$2,500Trip Interruption
no limitsTravel Medical Insurance
60 daysTravel Medical Insurance (65+)
15 daysBaggage Delay
$1,000Lost or Stolen Baggage
$2,500Car Rental Damage & Theft
Yes
Benefits
Details
Airport Lounge - Priority Pass
6 free passes per yearAirport Lounge - Desjardins Odyssey
12 free passes per yearBoingo Wi-Fi hotspot
over 1 million Boingo Wifi hotspots worldwideCar Rental Discount
25% off base rate off Hertz car rental, no young drivers or additional driver surchargeCar Rental Discount
10% off base rate off Thrifty or Dollar rental, no young drivers or additional driver surcharge.svg)
Concierge Services
Visa Infinite concierge services
Visa Infinite Exclusive Benefits
Luxury hotels or travel options
Eligibility
Credit Score
Very GoodAnnual Income
$150,000 personal or $200,000 household
The Desjardins Cash Back Mastercard is a solid choice for those who value simplicity and no fees. With up to 2% cash back on popular categories like dining, entertainment, and transit, it offers competitive rewards without the complexity of points systems or spending caps. Additionally, the inclusion of mobile device insurance adds extra value, especially for a no-fee card. However, the lack of a welcome bonus and only 0.5% cash back on other purchases might make it less appealing for those seeking higher rewards across all spending categories.
Pros
- Up to 2% cash back on select categories like restaurants, entertainment, transit, and pre-authorized payments.
- Includes mobile device insurance.
- No annual fee.
Cons
- Limited physical branch access, with branches only in Quebec and Ontario, which may be inconvenient for those living elsewhere.
- Only earns 0.5% cash back on non-category purchases.
- No welcome bonus.
Rewards
- 2% cash back on restaurant & pre-authorized purchases (up to $3,600 spend per category)
- 2% cash back on entertainment and transit purchases
- 0.5% cash back on all other purchases
Insurance
Coverage
Extended Warranty
1 yearPurchase Protection
90 daysMobile Device Insurance
$1,000Trip Cancellation
$500Trip Interruption
$1,000Travel Medical Insurance
3 daysTravel Medical Insurance (65+)
3 daysBaggage Delay
$500Lost or Stolen Baggage
$500
Eligibility
Credit Score
GoodAnnual Income
N/A
The Desjardins Cash Back Visa is a no-fee credit card that offers up to 2% cash back on everyday purchases like dining, entertainment, and transit. It includes perks like mobile device insurance and car rental discounts, making it a solid choice for budget-conscious users. While it lacks a welcome bonus, its consistent rewards and no annual fee provide good value for everyday spending.
Pros
- Up to 2% cash back on select categories like restaurants, entertainment, transit, and pre-authorized payments.
- Includes mobile device insurance.
- No annual fee.
Cons
- Limited physical branch access, with branches only in Quebec and Ontario, which may be inconvenient for those living elsewhere.
- Only earns 0.5% cash back on non-category purchases.
- No welcome bonus.
Rewards
- 2% cash back on restaurant & pre-authorized purchases (up to $3,600 spend per category)
- 2% cash back on entertainment and transit purchases
- 0.5% cash back on all other purchases
Insurance
Coverage
Extended Warranty
1 yearPurchase Protection
90 daysMobile Device Insurance
$1,000Trip Cancellation
$500Trip Interruption
$1,000Travel Medical Insurance
3 daysTravel Medical Insurance (65+)
3 daysBaggage Delay
$500Lost or Stolen Baggage
$500
Benefits
Details
Car Rental Discount
15% off base rate off Hertz car rental, no young drivers surchargeCar Rental Discount
10% off base rate off Hertz car rental, no young drivers surcharge
Eligibility
Credit Score
GoodAnnual Income
N/A
The Desjardins Bonus Visa is a no-fee card offering up to 2% back on dining, entertainment, and transportation, plus mobile device and basic travel insurance. While it lacks a welcome bonus and premium perks, it's a solid choice for earning rewards on everyday spending without any annual costs.
Pros
- Up to 2% cash back on select categories like restaurants, entertainment, transit, and pre-authorized payments.
- Includes mobile device insurance.
- No annual fee.
Cons
- Limited physical branch access, with branches only in Quebec and Ontario, which may be inconvenient for those living elsewhere.
- Only earns 0.5% cash back on non-category purchases.
- No welcome bonus.
Rewards
- 2% in BONUS-DOLLARS on restaurant & pre-authorized purchases (up to $3,600 spend per category)
- 2% in BONUS-DOLLARS on entertainment and transit purchases
- 0.5% in BONUS-DOLLARS on all other purchases
Insurance
Coverage
Extended Warranty
1 yearPurchase Protection
90 daysMobile Device Insurance
$1,000Trip Cancellation
$500Trip Interruption
$1,000Travel Medical Insurance
3 daysTravel Medical Insurance (65+)
3 daysBaggage Delay
$500Lost or Stolen Baggage
$500
Benefits
Details
Car Rental Discount
15% off base rate off Hertz car rental, no young drivers surchargeCar Rental Discount
10% off base rate off Hertz car rental, no young drivers surcharge
Eligibility
Credit Score
GoodAnnual Income
N/A
The Desjardins Visa Odyssey Gold offers solid rewards and a comprehensive insurance package, including coverage for seniors, making it a good choice for frequent travelers. However, the card's $110 annual fee might feel steep given its modest rewards rate and the lack of a welcome bonus, which might make some consumers hesitate.
Pros
- Comprehensive Insurance Coverage: Includes extensive travel insurance, including coverage for those over 65, making it ideal for travelers.
- Decent Rewards: Earns 2% back on popular categories like restaurants, entertainment, transit, and pre-authorized payments.
- Mobile Device Insurance: Offers protection for your smartphone or tablet, a feature not always available with other cards.
- Discounts on Car Rentals: Enjoy up to 25% off at popular car rental services, enhancing travel savings.
Cons
- High Annual Fee: The $110 annual fee might seem steep, especially given the modest rewards rate.
- No Welcome Bonus: Unlike many competitors, this card does not offer a welcome bonus, reducing its initial appeal.
- Limited Branch Access: Physical branches are only available in Quebec and Ontario, which may be inconvenient for those needing in-person support outside these provinces.
Rewards
- 2% in BONUS-DOLLARS on restaurant & pre-authorized purchases (up to $6,000 spend per category)
- 2% in BONUS-DOLLARS on entertainment and transit purchases
- 1% in BONUS-DOLLARS on all other purchases
Insurance
Coverage
Extended Warranty
1 yearPurchase Protection
90 daysMobile Device Insurance
$1,000Trip Cancellation
$500Trip Interruption
no limitsTravel Medical Insurance
60 daysTravel Medical Insurance (65+)
15 daysBaggage Delay
$1,000Lost or Stolen Baggage
$1,000Car Rental Damage & Theft
Yes
Benefits
Details
Car Rental Discount
25% off base rate off Hertz car rental, no young drivers or additional driver surchargeCar Rental Discount
10% off base rate off Thrifty or Dollar rental, no young or additional drivers surcharge
Eligibility
Credit Score
GoodAnnual Income
N/A
From our Editors: The Full List of Best Desjardins Credit Cards in Canada
Best Overall: Desjardins Cash Back World Elite Mastercard
The Desjardins Cash Back World Elite Mastercard, also known as one of the best dining credit cards in Canada, earns first place on account of its impressive rewards program. This card collects excellent cashback on groceries, restaurant purchases, entertainment, and transportation. The coverage is also strong, offering important protections like trip interruption and trip cancellation insurance. For perks, expect an airport lounge Dragon Pass, car rental discounts, and Boingo Wifi hotspot access. To qualify, note that you'll need to meet some high annual income requirements. Read more in our Desjardins Cash Back World Elite Mastercard Review.
Best Low Interest: Desjardins Flexi Visa Card
One of our highest ranking Desjardins credit cards is the Desjardins Flexi Visa Card, one of the best low-interest credit cards in Canada. This card offers all-time low-interest rates on purchases, cash advances, and balance transfers. For no annual fee or income requirements, cardholders receive solid coverage, including mobile device insurance, travel medical insurance, and trip interruption and trip cancellation insurance. See more in our Desjardins Flexi Visa Card Review.
Best Travel: Desjardins Odyssey World Elite Mastercard
The Desjardins Odyssey World Elite Mastercard combines impressive BONUS DOLLARS cashback on common expenses with comprehensive travel insurance, plus a handful of valuable travel perks. Perks include several free Desjardins Odyssey lounge passes per year, car rental discounts, and access to the Boingo Wifi hotspot. On top of an annual fee, note that you'll need to meet some high annual income requirements to qualify. Learn more in our Desjardins Odyssey World Elite Mastercard Review.
Best Premium Travel: Desjardins Odyssey Visa: Game-Changing Travel Rewards Card
As the name suggests, the Desjardins Odyssey Visa: Game-Changing Travel Rewards Card is just that, game changing, especially when it comes to travel. Cardholders earn plenty of BONUS DOLLARS back on restaurant, entertainment, transit, travel, and grocery purchases. In addition to valuable travel insurance, the card includes benefits like ample Priority Pass and Desjardins Odyssey lounge access, concierge services, and rental car discounts. Note, however, to qualify, you'll need to front a high annual fee and meet high annual income requirements. Get all the details in the Desjardins Odyssey Visa: Game-Changing Travel Rewards Card Review.
Best No-Fee Cashback: Desjardins Cash Back Mastercard
If you're looking to collect cashback for no annual fee, check out the Desjardins Cash Back Mastercard. This card earns you rewards on dining, pre-authorized purchases, entertainment, and transit. While there are no benefits, the card includes valuable coverage like trip interruption and trip cancellation insurance, plus travel medical insurance for those over 65. To learn more, read our Desjardins Cash Back Mastercard Review.
Best No-Fee Cashback Benefits: Desjardins Cash Back Visa Card
If you want to earn cashback and pocket benefits, all for no annual fee, apply for the Desjardins Cash Back Visa Card instead. With this card, you'll earn cashback on restaurant, pre-authorized payments, entertainment, and transit purchases. Unlike the previous no-fee cashback competitor, this card also includes car rental discounts. Read more in our Desjardins Cash Back Visa Card Review.
Best No-Fee BONUS DOLLARS: Desjardins Bonus Visa Card
To partake in the BONUS DOLLARS Rewards program for no annual fee, consider the Desjardins Bonus Visa Card. Specifically, this card collects cashback in BONUS DOLLARS on restaurant, pre-authorized purchases, entertainment, and transit purchases. Additionally, cardholders receive decent coverage and car rental discounts. For the full breakdown, see our Desjardins Bonus Visa Card Review.
Best Accessible Cashback: Desjardins Odyssey Gold Visa Card
To collect solid cashback in BONUS DOLLARS on restaurant, pre-authorized payments, entertainment, and transit purchases, go for the Desjardins Odyssey Gold Visa Card. This card also includes commendable coverage, including car rental damage and theft insurance. Benefits include car rental discounts. Learn more in our Desjardins Bonus Visa Card Review.
Pros and Cons of Desjardins Credit Cards
To decide whether a Desjardins credit card is right for you, consult the following pros and cons list:
Pros | Cons |
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How to Apply for a Desjardins Credit Card
To apply for a Desjardins credit card, hit the "Apply Now" button below any card above. Afterwards, you'll be redirected to the Desjardins official website to begin the application process. Credit card applications typically ask for personal information (such as your birthdate, address, and email) and financial information (like your income, when applicable).
Frequently Asked Questions
Any credit card is worth it if it complements your unique spending habits. Therefore, if you want to optimize everyday purchases like dining and entertainment, partake in lounge access or car rental discounts, then a Desjardins credit card could be a good option for you.
There are a couple of Desjardins credit cards that offer complimentary airport lounge access, namely the Desjardins Odyssey World Elite Mastercard and the Desjardins Odyssey Visa: Game-Changing Travel Rewards Card.
The Desjardins institution offers a variety of credit card types, including:
- Travel cards
- Cashback cards
- Low-interest cards
- No-fee cards
About the author
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Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
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