Types of Desjardins credit cards
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Flexi Visa. A Flexi Visa card is a no-fee credit card featuring a low 10.9% interest rate. In addition, the issuance of an additional card is free of charge. With a Flexi Visa credit card, you can repay your purchases of $200 and more in smaller installments and pay no interest provided you make minimum credit card payments on time. Insurance coverages included in this card are mobile device insurance, purchase protection, extended warranty, and travel insurance for up to 3-day trips.
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Cash Back Visa and Mastercard. A Cash Back Visa and Mastercard card are no-fee credit cards featuring an interest rate of 19.9%. In addition, the issuance of an additional card is free of charge. With purchases in select categories, including restaurants, entertainment, alternative transportation, and pre-authorized payments, you can earn 2% cash back. Purchases in other categories will bring you 0.5% cash back. A Cash Back Visa card is eligible for installment plans. Insurance coverages included in both Cash Back Visa and Mastercard cards are mobile device insurance, purchase protection, extended warranty, and travel insurance for up to 3-day trips. Cash Back Visa and Mastercard cardholders can also get discounts for car rentals at Hertz®, Thrifty®, and Dollar®.
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Bonus Visa. A Bonus Visa card is a no-fee credit card featuring a 19.99% interest rate. Issuance of an additional card is free of charge. With purchases in select categories, including restaurants, entertainment, alternative transportation, and pre-authorized payments, you can earn 2% in BONUSDOLLARS® rewards. You can further redeem your BONUSDOLLARS® towards restaurants, entertainment, travel, Desjardin financial products and services, credit card payment, alternative transportation, gift cards, rewards, or donations. A Bonus Visa card qualifies for installment plans. Insurance coverages included in this card are mobile device insurance, purchase protection, extended warranty, and travel insurance for up to 3-day trips.
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Cash Back World Elite® Mastercard®. A Cash Back World Elite Mastercard features an interest rate of 19.9%. With purchases in select categories, you can earn cash back of up to 4%. The annual fee for this credit card is $100 for the primary cardholder and $30 for additional cardholders who are not Desjardin members. Insurance coverages you get with this card are mobile device insurance, purchase protection, extended warranty, travel insurance for up to 3-day trips, and auto rental collision or loss damage insurance. Along with that, Cash Back World Elite Mastercard cardholders can get the advantage of exclusive privileges from Mastercard, including:
Plus, you can get discounts for car rentals at Hertz®, Thrifty®, and Dollar®.
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Odyssey® Gold Visa. An Odyssey Gold Visa credit card features a 19.99% interest rate. The annual fee for this credit card is $110 for the primary cardholder and $30 for additional cardholders who are not Desjardin members. With purchases in select categories, including restaurants, entertainment, alternative transportation, and pre-authorized payments, you can earn 2% in BONUSDOLLARS® rewards. An Odyssey Gold Visa credit card is eligible for installment plans. Insurance coverages you get with this card are mobile device insurance, purchase protection, extended warranty, extensive travel insurance for up to 60-day trips, and auto rental collision or loss damage insurance.
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Odyssey® World Elite® Mastercard®. An Odyssey World Elite credit card features a 19.99% interest rate. The annual fee for this credit card is $130 for the primary cardholder and $40 for additional cardholders who are not Desjardin members. With purchases in select categories, you can earn BONUSDOLLARS® rewards of up to 3% of the amount spent. Insurance coverages included in an Odyssey World Elite credit card are mobile device insurance, purchase protection, extended warranty, extensive travel insurance for up to 60-day trips, and auto rental collision or loss damage insurance. In addition, you get the advantage of exclusive privileges from Mastercard and discounts at partner car rentals.
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Odyssey® Visa Infinite Privilege. An Odyssey Visa Infinite Privilege credit card features a low-interest rate of 9.99%. The annual fee for non-members is $395, and for members — $295. The yearly fee for additional cardholders who are not Desjardin members is $95. Purchases in select categories made with an Odyssey Visa Infinite Privilege credit card can bring you up to 3% in BONUSDOLLARS® rewards. An Odyssey Visa Infinite Privilege card qualifies for installment plans. Insurance coverages you get with this card are mobile device insurance, purchase protection, extended warranty, extensive travel insurance for up to 60-day trips, and auto rental collision or loss damage insurance. In addition, Odyssey Visa Infinite Privilege cardholders get various benefits from Visa, including the Visa Infinite Privilege Concierge service working like your personal assistant and complimentary airport lounge visits provided through the Visa Airport Companion program. Plus, you can enjoy discounts at partner car rentals.
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U.S. Visa. With a U.S. Visa credit card, you can make purchases in U.S. dollars at a 19.4% interest rate with no conversion fees on transactions. The annual fee for this card is US$30, and the issuance of an additional card is free of charge. In addition, you get purchase protection, extended warranty, travel insurance for up to 3-day trips, common carrier accident insurance, and auto rental collision or loss damage insurance.
How to apply for a Desjardins credit card
You can apply for a Desjardins credit card of your choice online. Click the “Apply now” button on the credit card description page and proceed with an application form. If you already have an AccèsD Internet account, you can sign in to it and save time on your application. Otherwise, fill out the form with the following information:
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Whether you already have a Desjardins credit card
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The preferred monthly account statement format (electronic or paper)
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Whether you want to receive a paper copy of the documents that are available on AccèsD
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Promotional code (if any)
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Your first name
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Your last name
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Your gender
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Your date of birth
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Your mother’s maiden name
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Your social insurance number
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The ID you are going to provide
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Your address
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Your phone number
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Your email
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Your employment status
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Your personal gross annual income
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Your spouse's gross annual income
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Other gross annual income
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Your residential status
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Whether you want to issue an additional card
Once you provide all the required information, review it, accept the terms and conditions, and click the “Validate” button to finalize your application.
Requirements
To qualify for a Desjardins credit card, you must be a Canadian resident of the age of majority in your province or territory and have at least a 3-year credit report.
To qualify for a Cash Back World Elite Mastercard card, you must have a minimum personal annual income of $80,000, a minimum household annual income of $150,000, or assets under management of $400,000.
To qualify for an Odyssey World Elite credit card, you must have a minimum personal annual income of $80,000, a minimum household annual income of $150,000, or assets under management of $400,000.
To qualify for an Odyssey Visa Infinite Privilege card, you must have a minimum personal annual income of $150,000, a minimum household annual income of $200,000, or assets under management of $400,000.
Pros and cons
Here are the benefits of Desjardins credit cards:
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An opportunity to choose your top priority benefit — low rates, no fees, cash back, or rewards
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A range of no-fee options
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An opportunity to pay in installments
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Online application available
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Free issuance of additional cards for Desjardin members
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Easy credit card management through online and mobile banking
The drawbacks are:
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Additional credit card fees to be aware of
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Steep minimum annual income requirements to apply for a Cash Back World Elite Mastercard card, an Odyssey World Elite credit card, and an Odyssey Visa Infinite Privilege card.
How to make a payment
You can repay your Desjardins credit card balance in any of the following ways:
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By transferring funds between your, Desjardins accounts through online, mobile, or telephone banking
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By paying a credit card bill through online or mobile banking
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By setting up automated payments from your other Desjardins accounts to your credit card account
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By making a payment at an ATM
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By making a payment at a caisse
