Desjardins Cash Back Visa
Restaurant and bill spending earn 2% back here, up to a shared annual cap.
A Visa with no yearly cost, the Desjardins Cash Back Visa returns up to 2% on dining, entertainment, alternative transport and bills paid by pre-authorized debit.
Think of someone in Canada whose month is full of restaurant meals, outings and automatic bill payments, and who would like a rewards card that does not charge to hold it.
The main points: $0 annual fee, up to 2% back in four categories, 0.5% elsewhere, plus travel insurance and car rental discounts.
Why is the Desjardins Cash Back Visa worth it?
Most cash back cards pay the same rate on everything or ask you to follow a calendar. This one ties the higher rate to categories that tend to repeat. Rewards are credited by Desjardins automatically when they add up to $25.
Advantages
- $0 annual fee
- 2% on entertainment and alternative transportation, and up to 2% on restaurants and pre-authorized payments
- A base rate of 0.5% on purchases outside those categories
- Emergency healthcare coverage of $5 million per person on trips of up to 3 days
- Up to 15% off base rental rates at Hertz, up to 10% at Thrifty and Dollar
- Mobile device coverage of up to $1,000 and 90 days of purchase protection
Disadvantages
- Restaurants and pre-authorized payments share a $3,600 annual limit at the higher rate; beyond it, the 0.5% rate applies
- 20.9% interest on purchases and 21.9% on cash advances
- Trip insurance does not extend beyond 3 days
- The base 0.5% is modest for spending that falls outside the bonus categories
Important notice: this content is informational and based on official sources. We do not act as a financial intermediary.
Inside the Desjardins Cash Back Visa
Desjardins issues the card on the Visa network. The cash back rate depends on the merchant category of each purchase.
A practical point: dining and pre-authorized payments draw from the same $3,600 allowance, so a household using both heavily may reach it before the year ends. The official page states no limit for entertainment or alternative transportation.
Key information
- Annual fee: $0
- Interest on purchases: 20.9%
- Interest on cash advances: 21.9%
- Grace period: 21 days from statement issue, not applicable to cash advances
- Restaurants and pre-authorized payments: up to 2% on the first $3,600 per year, then 0.5%
- Entertainment and alternative transportation: 2%
- All other purchases: 0.5%
- Network: Visa
Last updated: 01/10/2026
Digital platform: Desjardins mobile app
Desjardins lists a mobile app for iOS (Desjardins Mobile Services) and an Android app. The card page does not describe specific tools inside them, so we do not list any here.
Who is the Desjardins Cash Back Visa ideal for?
A good match for people who spend mostly on dining out, entertainment, ride services or transit passes and automatic bills, and who clear the balance every month.
Less suitable if most of your spending goes to groceries or gas, if your trips regularly last longer than 3 days, or if you tend to revolve a balance.
Common questions
What is the cash back on everyday purchases outside the bonus categories?
0.5%.
Does the card charge an annual fee?
No, the annual fee is $0.
Which rental companies offer discounts?
Hertz, with up to 15% off the base rate, and Thrifty and Dollar, with up to 10%.
Is the Desjardins Cash Back Visa a good option?
If your habits line up with dining, entertainment, transport and bills, the card pays well for a no-fee product. If they do not, the 0.5% base rate and 20.9% interest make it a less compelling pick.
Before you apply, open the full details page for eligibility and next steps.
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