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Desjardins Cash Back Mastercard Review
The Bottom Line
The Desjardins Cash Back Mastercard is a solid choice for those who value simplicity and no fees. With up to 2% cash back on popular categories like dining, entertainment, and transit, it offers competitive rewards without the complexity of points systems or spending caps. Additionally, the inclusion of mobile device insurance adds extra value, especially for a no-fee card. However, the lack of a welcome bonus and only 0.5% cash back on other purchases might make it less appealing for those seeking higher rewards across all spending categories.
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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
Coverage
Extended Warranty
1 year
Purchase Protection
90 days
Mobile Device Insurance
$1,000
Trip Cancellation
$500
Trip Interruption
$1,000
Emergency Medical Term
3 daysEmergency Medical (65+)
3 days
Baggage Delay
$500
Lost or Stolen Baggage
$500
Eligibility
Credit Score
GoodAnnual Income
N/A
Card Details
Interest Rates
Purchase APR
20.90%
Cash Advance APR
21.90%
Balance Transfer APR
21.90%
Fees
Annual Fee
$0
Additional Cards
$0
Eligibility
Minimum Individual Income
N/A
Minimum Household Income
N/A
Credit Score Estimate
Good
Type
Card Type
Credit
Reward Type
Cash BackPros & 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.
Get personalized rewards estimates — see exactly how much you could earn.
Desjardins Cash Back Mastercard Cash Back Calculator
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on Desjardins' website