Working hard in the background...
2.6
/5
Desjardins
Visa
Desjardins Cash Back VisaCash Back Calculator
Our Take
The Desjardins Cash Back Visa is a no-fee credit card that offers up to 2% cash back on everyday purchases like dining, entertainment, and transit. It includes perks like mobile device insurance and car rental discounts, making it a solid choice for budget-conscious users. While it lacks a welcome bonus, its consistent rewards and no annual fee provide good value for everyday spending.
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
2 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
Details
Car Rental Discount
15% off base rate off Hertz car rental, no young drivers surcharge
Car Rental Discount
10% off base rate off Hertz car rental, no young drivers surcharge
Pros & Cons
Pros
- No annual fee
- Solid cashback optimization
- Comprehensive coverage
- Car rental discounts
Cons
- Limited physical branch access
- Low base earn rate
- No welcome bonus