Rewards Calculator Algorithm
You can estimate your rewards by inputting your monthly or yearly spending habits.
Finly factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
$2,000
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Card Details
Based on $2,000 spending
First Year Value
$246.67
$246.67 in years after
Annual Rewards
$246.67
First Year Bonus
$0
Annual Fee
$0
First Year Value
$246.67
Interest Rates
Cash Advance: 21.90%
Purchase: 20.90%
Balance Transfer: 21.90%
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
2.5/5
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 Visa Cash Back Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
All categories with bonus points
$175.2
All other purchases
$71.47
Net Annual Rewards
$246.67
Rewards Summary
Net Annual Rewards
$246.67
First Year Card Bonus
$0
First Year Card Value
$246.67
Insurance & Benefits
Insurance
Coverage
Extended Warranty
1 yearPurchase Protection
90 daysMobile Device Insurance
$1,000Trip Cancellation
$500Trip Interruption
$1,000Emergency Out of province Medical
3 daysEmergency Medical Over 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
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.