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Card Details
Interest Rates
Purchase: 20.90%
Cash Advance: 21.90%
Balance Transfer: 21.90%
Annual Fees
Main Card: $130
Additional Cards: $40
Annual Income
Personal: $80,000
Household: $150,000
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Welcome Bonus
N/A
Card & Reward Type
Our Rating
3.2/5
Institution
Desjardins
How You Earn Rewards
- 3% in BONUS-DOLLARS on grocery purchases (up to $10,000 in spending per year)
- 2% in BONUS-DOLLARS on restaurant purchases (up to $6,000 in spending per year)
- 2% in BONUS-DOLLARS on entertainment, and public transit purchases
- 1.5% 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
$1,500
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
Airport Lounge - Desjardins Odyssey
8 free passes per year
Car Rental Discount
25% off base rate off Hertz car rentalCar Rental Discount
10% off base rate off Thrifty or Dollar rental
Boingo Wi-Fi hotspot
over 1 million Boingo Wifi hotspots worldwide
Pros & Cons
Pros
- High Earn Rates: Earn up to 3% cash back on groceries, 2% on restaurants, entertainment, and public transportation, and 1.5% on all other purchases.
- Comprehensive Insurance: Includes 9 types of travel insurance, with coverage extending to those over 65.
- Free Lounge Access: Enjoy 8 free passes to the Desjardins Odyssey Lounge in Montreal.
- World Elite Perks: Includes additional perks like Boingo Wi-Fi, Mastercard Travel Rewards, and more.
Cons
- No Welcome Bonus: Unlike many premium cards, this one lacks a welcome bonus, reducing its initial appeal.
- High Income Requirements: Requires a minimum personal income of $80,000 or household income of $150,000.
- Limited Branch Access: Physical branches are only available in Quebec and Ontario.