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2.9
/5
Desjardins
Mastercard
Desjardins Cash Back World Elite® Mastercard®Cash Back Calculator
Our Take
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.
Card Details
Interest Rates
Purchase: 20.90%
Cash Advance: 21.90%
Balance Transfer: 21.90%
Annual Fees
Main Card: $100
Annual Income
Personal: $80,000
Household: $150,000
Credit Score Estimate
300Poor
560Fair
660Good
725⁎Very Good
760⁎Excellent
Card Type
Credit
Our Rating
2.9/5
Institution
Desjardins
How You Earn 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
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
10 insurance
4 benefits
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 (64 & under)
$5M for trips up to 3 days
Travel Medical Insurance (65 to 75)
$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
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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 rental
Car Rental Discount
10% off base rate off Thrifty or Dollar rental
Pros & Cons
Pros
- High earn rates
- Lower annual fee
- Attractive perks
- Comprehensive insurance
Cons
- Limited physical branch access
- No welcome offer