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Desjardins Bonus Visa Review
The Bottom Line
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.
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on Desjardins' website
Welcome Bonus
N/A
Rewards Rate
0.5% - 2%
Points
Annual Fee
$0
Interest Rates
20.90% / 21.90%
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 year
Purchase Protection
90 days
Mobile Device Insurance
$1,000
Trip Cancellation
$500
Trip Interruption
$1,000
Emergency Medical Term
3 daysEmergency Medical (65+)
3 days
Baggage Delay
$500
Lost 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
Card Details
Interest Rates
Purchase APR
20.90%
Cash Advance APR
21.90%
Balance Transfer APR
21.90%
Fees
Annual Fee
$0
Additional Cards
$0
Eligibility
Minimum Individual Income
N/A
Minimum Household Income
N/A
Credit Score Estimate
Good
Type
Pros & Cons
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.
Get personalized rewards estimates — see exactly how much you could earn.
Desjardins Bonus Visa Points Calculator
APPLY NOW
on Desjardins' website