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Card Details
Interest Rates
Purchase: 20.90%
Cash Advance: 21.90%
Balance Transfer: 21.90%
Annual Fees
Main Card: $110
Additional Cards: $30
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Welcome Bonus
N/A
Card & Reward Type
Our Rating
2.3/5
Institution
Desjardins
How You Earn Rewards
- 2% in BONUS-DOLLARS on restaurant & pre-authorized purchases (up to $6,000 spend per category)
- 2% in BONUS-DOLLARS on entertainment and transit purchases
- 1% 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
1 year
Purchase Protection
90 days
Mobile Device Insurance
$1,000
Trip Cancellation
$500
Trip Interruption
no limits
Emergency Out of province Medical
60 daysEmergency Medical Over 65
15 days
Baggage Delay
$1,000
Lost or Stolen Baggage
$1,000.svg)
Car Rental Damage & Theft
Yes
Benefits
Details
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 or additional drivers surcharge
Pros & Cons
Pros
- Comprehensive Insurance Coverage: Includes extensive travel insurance, including coverage for those over 65, making it ideal for travelers.
- Decent Rewards: Earns 2% back on popular categories like restaurants, entertainment, transit, and pre-authorized payments.
- Mobile Device Insurance: Offers protection for your smartphone or tablet, a feature not always available with other cards.
- Discounts on Car Rentals: Enjoy up to 25% off at popular car rental services, enhancing travel savings.
Cons
- High Annual Fee: The $110 annual fee might seem steep, especially given the modest rewards rate.
- No Welcome Bonus: Unlike many competitors, this card does not offer a welcome bonus, reducing its initial appeal.
- Limited Branch Access: Physical branches are only available in Quebec and Ontario, which may be inconvenient for those needing in-person support outside these provinces.