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2.6
/5
Desjardins
Mastercard
Desjardins Cash Back MastercardCash Back Calculator
Our Take
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.
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
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Card Type
Credit
Our Rating
2.6/5
Institution
Desjardins
How You Earn 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
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
9 insurance
0 benefits
Insurance
Coverage
Extended Warranty
1 year
Purchase Protection
90 days
Mobile Device Insurance
$1,000
Trip Cancellation
$500
Trip Interruption
$1,000
Travel Medical Insurance (64 & under)
3 days
Travel Medical Insurance (65 to 75)
3 days
Baggage Delay
$500
Lost or Stolen Baggage
$500
Benefits
No additional benefits listed for this card.
Pros & Cons
Pros
- No annual fee
- Solid optimization
- Strong insurance
Cons
- Limited physical branch access
- No benefits
- Low base earn rate
- No welcome bonus