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Card Details
Interest Rates
Purchase: 11.90% - 19.90%
Cash Advance: 12.90%
Balance Transfer: 12.90%
Annual Fees
Main Card: $395
Additional Cards: 95
Welcome Bonus
N/A
Annual Income
Personal: $150,000
Household: $200,000
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Card Type
Credit
Our Rating
2.9/5
Institution
Desjardins
How You Earn Rewards
- 4% in BONUS-DOLLARS on restaurant, entertainment and transit purchases
- 3% in BONUS-DOLLARS on travel related purchases (up to $25,000 spending per year)
- 3% in BONUS-DOLLARS on travel and grocery purchases
- 1.75% in BONUS-DOLLARS on all other purchases
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Extended Warranty
2 years
Purchase Protection
180 days
Mobile Device Insurance
$1,000
Trip Cancellation
$2,500
Trip Interruption
no limits
Travel Medical Insurance
60 daysTravel Medical Insurance (65+)
15 days
Baggage Delay
$1,000
Lost or Stolen Baggage
$2,500.svg)
Car Rental Damage & Theft
Yes
Benefits
Details
Airport Lounge - Priority Pass
6 free passes per yearAirport Lounge - Desjardins Odyssey
12 free passes per year
Boingo Wi-Fi hotspot
over 1 million Boingo Wifi hotspots worldwide
Car Rental Discount
25% off base rate off Hertz car rental, no young drivers or additional driver surchargeCar Rental Discount
10% off base rate off Thrifty or Dollar rental, no young drivers or additional driver surcharge.svg)
Concierge Services
Visa Infinite concierge services
Visa Infinite Exclusive Benefits
Luxury hotels or travel options
Pros & Cons
Pros
- High earn rates
- Comprehensive coverage
- Airport lounge access
- World Elite perks
Cons
- High annual fee
- No welcome offer
- High income requirements
- Limited branch access