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desjardins cashback mastercard

Desjardins Cash Back Mastercard
Review

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Card Details

Interest Rates


Purchase: 20.90%

Cash Advance: 21.90%

Balance Transfer: 21.90%

Annual Fee


$0

Annual Income


Personal: N/A

Household: N/A

Credit Score Estimate


300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

Welcome Bonus


N/A

Card & Reward Type


Card Type: Credit

Reward Type: Cash Back

Our Rating


2.6/5

Institution


Desjardins

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 & Benefits


Insurance

Coverage

  • extended warranty

    Extended Warranty

    1 year
  • purchase protection

    Purchase Protection

    90 days
  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • cancel airplane

    Trip Cancellation

    $500
  • pause

    Trip Interruption

    $1,000
  • travel accident medical

    Emergency Out of province Medical

    3 days
  • travel accident medical

    Emergency Medical Over 65

    3 days
  • hourglass timer

    Baggage Delay

    $500
  • lost baggage

    Lost or Stolen Baggage

    $500

No additional benefits available for this card.

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.
Rewards Breakdown

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