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desjardins bonus visa

2.5

/5

Desjardins

Visa

Desjardins Bonus VisaPoints Calculator

Our Take

The Desjardins Bonus Visa is a no-fee card offering up to 2% back on dining, entertainment, and transportation, plus mobile device and basic travel insurance. While it lacks a welcome bonus and premium perks, it's a solid choice for earning rewards on everyday spending without any annual costs.





Card Details

Interest Rates


Purchase: 20.90%

Cash Advance: 21.90%

Balance Transfer: 21.90%

Annual Fees


Main Card: $0

Additional Cards: $0

Annual Income


Personal: N/A

Household: N/A

Credit Score Estimate


300
Poor
560
Fair
660⁎
Good
725⁎
Very Good
760⁎
Excellent
⁎Estimates based on Equifax scoring

Card Type


Credit

Reward Type


Our Rating


2.5/5

Institution


Desjardins

How You Earn Rewards


  • 2% in BONUS-DOLLARS on restaurant & pre-authorized purchases (up to $3,600 spend per category)
  • 2% in BONUS-DOLLARS on entertainment and transit purchases
  • 0.5% in BONUS-DOLLARS on all other purchases

Annual Rewards Breakdown




Annual Rewards Summary




Point Redemptions

Redemption Method

Net Value (After Annual Fee)




Insurance & Benefits

9 insurance
2 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

    Travel Medical Insurance (64 & under)

    3 days
  • travel accident medical

    Travel Medical Insurance (65 to 75)

    3 days
  • hourglass timer

    Baggage Delay

    $500
  • lost baggage

    Lost or Stolen Baggage

    $500
  • Benefits

    Details

  • car rental

    Car Rental Discount

    15% off base rate off Hertz car rental, no young drivers surcharge
  • car rental

    Car Rental Discount

    10% off base rate off Hertz car rental, no young drivers surcharge
  • Pros & Cons


    Pros

    • No annual fee
    • Decent cashback
    • Strong insurance
    • Car rental discounts

    Cons

    • Limited physical branch access
    • Low base earn rate
    • No welcome bonus