Desjardins Cash Back Mastercard
Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Total Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
$0
Card Details
Annual Rewards
$251.4
First Year Bonus
$0
Annual Fee
$0
First Year Value
$251.4
Interest Rates
Cash Advance: 21.90%
Purchase: 20.90%
Annual Fee
$0
Annual Income
Personal: $80,000
Household: $150,000
Credit Score
Very Good
Welcome Bonus
N/A
Card Type
Cash Back
Our Rating
2.75/5
Institution
Desjardins
Rewards
- 2% cash back on restaurant, entertainment, transit and pre-authorized purchases
- 0.5% cash back on all other purchases
Desjardins Cash Back Mastercard Cash Back Calculator
Based on average spending
Rewards Ranking
Rewards Breakdown
All categories with bonus points
$175.2
All other purchases
$76.2
Net Annual Rewards
$251.4
Rewards Summary
Net Annual Rewards
$251.4
Welcome Bonus
$0
First Year Value
$251.4
Insurance & Benefits
Insurance
Coverage
Extended Warranty
1 year
Purchase Protection
90 days
Mobile Device Insurance
$1,000
Trip Cancellation
$500
Trip Interruption
$1,000
Emergency Out of province Medical
3 daysEmergency Medical Over 65
3 days
Baggage Delay
$500
Lost or Stolen Baggage
$500
- • Out of Province Medical insurance up to $5 million
- • Mobile Device Insurance up to $1000
- • Trip Cancellation coverage up to $500 per person
- • Delayed/Lost/Damaged Baggage Insurance per person per trip up to $500
- • 15% off base rate off Hertz car rental, No young drivers surcharge
- • 10% off base rate off Thrifty or Dollar rental, No young drivers surcharge
- • Purchase Protection Insurance up to 90 days
- • Extended Warranty Insurance doubled up to one year
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.