Compare Desjardins credit cards

Earn rewards dollars when you shop in-person or online with your fee-free, low-interest or travel rewards credit card.

Please note: All information about Desjardins has been collected independently by Finder and products from Desjardins are not available through this site.

If you want to rack up points, tap into everyday benefits or lock in a deal on low-interest financing, then you might like to compare the cards on offer from Desjardins. Learn more about Desjardins credit cards and find out how choose the card that’s the right fit for you.

Desjardins credit cards

Desjardins offers three main types of cards: fee-free, low-interest and travel rewards. Some of the credit cards offer both a Visa and Mastercard option, but you might need to look for something else if you’re in the market for an American Express.

Cash Back Visa or Mastercard

You can earn bonus dollars whenever you use this card, and redeem the money you save for gift rewards, event tickets and travel packages. This card also offers no annual fee, extended warranty coverage and purchase protection, 3-day travel insurance and mobile device insurance at no extra cost.

Odyssey World Elite Mastercard

This card offers the complete package for frequent flyers, with bonus dollars and comprehensive travel insurance. You’ll also get free passes every year to kick back and relax in the Desjardins Odyssey Lounge at the Montreal Airport.

This card also comes with many non-travel related benefits, including mobile device insurance, purchase protection, extended warranty coverage on purchases and zero liability in the event of fraud. Just be prepared to pay a higher-than-average annual fee in return for all the extras.

Desjardins credit cards rewards program

Desjardins credit cards offer returns in the form of bonus dollars, which can be used to purchase merchandise, event tickets and travel packages.

How to redeem points

You can redeem bonus points by signing into your online AccèsD account. Simply click on your card, select options and specify how many bonus dollars you want to use. To redeem points for merchandise, you can register for an account at www.bonusdollars.ca. For travel, you’ll need to spend the money on your trip in advance, and then you can apply your bonus dollars to your statement to cover the cost.

Typical card benefits and features of a Desjardins credit card

If you’re looking for an added bonus, you might like to check out the common features offered across all of Desjardins’ cards.

  • Purchase Protection. Get coverage to protect against loss or damage for 90 days from your purchase date.
  • Extended Warranty. Double your manufacturer’s warranty for up to one year on purchases made with your card.
  • Mobile pay. Pay and go with Apple or Google Pay.
  • Fraud protection. With Zero Liability, you won’t have to pay for fraudulent transactions made on your account.
  • Financing options. Take advantage of low interest rates, cash advances and preauthorized payments when you need them.

How to apply for a credit card with Desjardins

It’s easy to apply for a credit card with Desjardins through its website. Before you apply, make sure you meet the minimum eligibility requirements and prepare some basic information.

Eligibility criteria

  • You must be at least 18 years old (and 19 in some provinces).
  • Be a Canadian resident.
  • Meet minimum income eligibility requirements.

Required documents

  • Full name and date of birth.
  • Street address and phone number.
  • Valid email address.
  • Total annual income.

How does Desjardins keep my credit card information safe?

Desjardins protects cards with special microchip technology. You can also register for fraud alerts via text or email, and add a security code to your account.

Compare other credit cards

1 - 10 of 42
Name Product CACCF Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
RBC Cash Back Mastercard
N/A
Up to 2% cash back
20.99%
$0
Min. recommended credit score: 650
Get up to 2% unlimited cash back on grocery store purchases, and up to 1% cash back on all other qualifying purchases and pre-authorized payments.
Neo Credit Mastercard
Get $25.00 + up to 15% cash back
Up to 5% cash back
19.99% - 29.99%
$0
Min. recommended credit score: 640
Get $25 when you sign up for the Neo Financial Mastercard. Plus, earn bonuses like 15% cashback on your first purchase at most partners, and earn an average of 5% cashback at partner stores and at least 1% cashback guaranteed.
RBC ION Visa
3,500 points
1.5 points per $1 spent
20.99%
$0
Min. recommended credit score: 660
Get 3,500 Avion points when you get approved for the card. Apply by January 15, 2025.
Tangerine World Mastercard
10% cash back
Up to 2% cash back
20.95%
$0
Min. recommended credit score: 600
Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until January 31, 2025. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.
American Express Cobalt Card
15,000 points
Up to 5x points per $1 spent
21.99%
$155.88
Min. recommended credit score: 700
Earn up to 15,000 Membership Rewards points in your first year. Earn 1,250 Membership Rewards points for each monthly billing period in which you spend $750 in purchases. That’s up to $150 towards a weekend getaway or concert tickets.
BMO CashBack Mastercard
5% cash back
Up to 3% cash back
20.99%
$0
Min. recommended credit score: 660
Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,500). Plus, get a rate of 0.99% on balance transfers for 9 months. A 2% fee applies to transferred balances.
Tangerine Money-Back Credit Card
10% cash back
Up to 2% cash back
20.95%
$0
Min. recommended credit score: 600
Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until January 31, 2025. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.
RBC Avion Visa Infinite
35,000 points
Up to 1 point per $1 spent
20.99%
$120
Min. recommended credit score: 650
Get 35,000 Welcome Points upon approval.
BMO eclipse rise Visa Card
25,000
Up to 5 points per $2 spent
20.99%
$0
Min. recommended credit score: 660
Earn up to 25,000 bonus points.
RBC ION+ Visa
7,000 points
3 points per $1 spent
20.99%
$48
Min. recommended credit score: 660
Get 3,500 Welcome Points on approval and earn 3,500 bonus points when you spend $500 in the first 3 months. Apply by January 15th, 2025.
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Bottom line

Desjardins offers a decent selection of no-fee, cashback, low-interest and travel cards. Most cards offer a 1% return on bonus dollars and come with diverse benefits and reasonable fees. Compare cards on offer to find out which one might be the best fit for you.

Frequently asked questions

Written by

Associate editor

Claire Horwood was a writer at Finder, specializing in credit cards, loans and other financial products. She has a Bachelor of Arts in Gender Studies from the University of Victoria, and an Associate’s Degree in Science from Camosun College. Much of Claire’s coursework has focused on writing and statistics, with a healthy dose of social and cultural analysis mixed in for good measure. In her spare time, Claire enjoys rock climbing, travelling and drinking inordinate amounts of coffee. See full bio

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