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Interest rate on purchases

10.9%

20.9%

Interest rate on cash advances

12.9%

21.9%

Annual fee

None

$130

None

Rewards program

Not offered

Percentage of your purchases in BONUSDOLLARS 4 ^, 5

Groceries: up to 3% 6
Restaurants: up to 2% 7
Entertainment: 2%
Alternative transportation: 2%
Other purchases: 1.5%

Not offered

Cash back

Not offered

Percentage of cash back on your purchases 8 ^, 5

Restaurants: up to 2% 9
Entertainment: 2%
Alternative transportation: 2%
Pre-authorized payments: up to 2% 9
Other purchases: 0.5%

Eligibility

N/A

Minimum annual income of $80,000 (personal) or $150,000 (household)

N/A

Additional card

No annual fee

No annual fee for Desjardins members, $40 a year for non-members

No annual fee

Travel insurance

For trips up to 3 days

Comprehensive, up to 60 days

For trips up to 3 days

Lounge access at Montréal-Trudeau Airport

Not offered

8 free passes a year to the Desjardins Odyssey Lounge (after that, 50% off the entrance fee)

Not offered

Travel perks

Not offered

Access to airport lounges, exclusive experiences around the world and cash back when you travel (World Elite Mastercard cards only)

Not offered

Car rental discounts

Up to 15% off your Hertz^® car rental and up to 10% off at Thrifty^® and Dollar^®

Up to 25% off your Hertz^® car rental and up to 10% off at Thrifty^® and Dollar^®

Up to 15% off your Hertz^® car rental and up to 10% off at Thrifty^® and Dollar^®

Auto rental insurance

Not offered

Collision and loss damage insurance for 48 consecutive days

Not offered

Mobile device insurance

Up to $1,000 of coverage in the event of loss, theft, damage or breakdown

Up to $1,500 of coverage in the event of loss, theft, damage or breakdown

Up to $1,000 of coverage in the event of loss, theft, damage or breakdown

Purchase protection

Covers eligible items in the event of loss or damage for 90 days from the purchase date

Covers eligible items in the event of loss or damage for 120 days from the purchase date

Covers eligible items in the event of loss or damage for 90 days from the purchase date

Extended warranty

Doubles the manufacturer's warranty for up to 1 additional year on most items bought with your card

Doubles the manufacturer's warranty for up to 2 additional years on most items bought with your card

Doubles the manufacturer's warranty for up to 1 additional year on most items bought with your card

Cash advances

Up to $5,000 a day, within credit limit – your card's interest rate on cash advances applies

Up to $2,500 a day, within credit limit – your card's interest rate on cash advances applies

Pay in installments

Option to pay for purchases of $200 or more in equal, interest-free monthly installments

at participating merchants

Not offered

Option to pay for purchases of $200 or more in equal, interest-free monthly installments

at participating merchants

Grace period

25 days to pay off your balance without incurring interest, except on cash advances

21 days to pay off your balance without incurring interest, except on cash advances

See all our credit cards

Mastercard ^® and World Elite ^® are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.

Odyssey ^® is a registered trademark of the Fédération des caisses Desjardins du Québec.

^* Trademark of Visa International Service Association and used under licence.

If you don't make the minimum payment by the due date, the annual interest rates on purchases and cash advances will increase to 19.9% until we receive your payment.

You have 25 days from the date the monthly statement is issued to pay the full balance on your account without interest, except on cash advances. The minimum payment is 5% of the following: your outstanding balance, interest on purchases and monthly installments that were not paid by the due date for the previous period, regular purchases and cash advances from the current statement period, plus interest on cash advances. This amount will also include any other amounts due under your credit card contract. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 10.9% and your average daily outstanding balance is $100, you'd be charged $0.90 in interest. If it's $500, you'd be charged $4.48 in interest, and if it's $1,000 you'd be charged $8.96 in interest. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 12.9% and your average daily outstanding balance is $100, you'd be charged $1.06 in interest. If it's $500, you'd be charged $5.30 in interest, and if it's $1,000 you'd be charged $10.60 in interest.

You have 21 days from the date the monthly statement is issued to pay the full balance on your account without interest, except on cash advances. The minimum payment is 5% of the following: your outstanding balance, interest on purchases, monthly installments that were not paid by the due date for the previous period, regular purchases and cash advances from the current statement period, plus interest on cash advances. This amount will also include any other amounts due under your credit card contract. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 20.9% and your average daily outstanding balance is $100, you'd be charged $1.72 in interest. If it's $500, you'd be charged $8.59 in interest, and if it's $1,000 you'd be charged $17.18 in interest. If the regular annual interest rate is 21.9% and your average daily outstanding balance is $100, you'd be charged $1.80 in interest. If it's $500, you'd be charged $9.00 in interest, and if it's $1,000 you'd be charged $18.00 in interest.

BONUSDOLLARS are calculated as a percentage of the purchases made with the card. Merchandise returns, cash advances, equal payment cash advances, RRSP cash advances, promotional and regular cheques, in-store Accord D financing, interest charges, purchases of foreign currency, electronic funds transfers, money orders and any type of purchase made in a casino do not earn BONUSDOLLARS.

To earn the rate in each category, eligible purchases must be made with merchants assigned to that category. Categories are assigned based on merchant category codes (MCC) set by the Visa and Mastercard payment networks. The payment networks assign each merchant to one MCC, even if they offer a variety of products and services. For example, gas stations, grocery stores and drug stores all sell several different products, but all purchases from these merchants—regardless of the type of product—are always categorized under the merchant's MCC. Desjardins doesn't control the merchant categories that Visa and Mastercard set. Depending on the card, earning categories may include: 1) Travel: airlines, airports, car rental companies, hotels/motels and resorts, passenger railways, cruise lines, travel agencies, timeshares, trailer parks and campgrounds, etc. (codes 3000 to 4000, 4112, 4411, 4511, 4582, 4722, 4723, 5962, 7011, 7012, 7033, 7512, 7519); 2) Alternative transportation: commuter passenger transportation (local and suburban), taxis, limousines, buses and public charging stations (codes 4111, 4131, 4121, 4789, 5552); 3) Entertainment: theatrical productions, ticket agencies, bands (concerts), orchestras, tourist attractions and exhibits, movie theatres, amusement parks, carnivals, circuses, zoos, aquariums, etc. (codes 7922, 7929, 7991, 7832, 7996, 7998); 4) Restaurants: restaurants, including fast-food restaurants (codes 5812, 5814); 5) Groceries: grocery stores, supermarkets, butchers, frozen food retailers, fish sellers and bakeries (codes 5411, 5422, 5462). Desjardins cannot guarantee the category set for each merchant or that the merchant you purchase from has the eligible MCC. Desjardins can only award rewards or cash back on eligible purchases based on the merchant's MCC. Rewards and cash back earned are subject to certain conditions.

The 3% BONUSDOLLARS rate will be applied to the first $10,000 of eligible purchases made on the account in this category between January 1 and December 31 of each year. After that, the BONUSDOLLARS rate for the Other purchases category will apply for the remainder of the current year.

The 2% BONUSDOLLARS rate will be applied to the first $6,000 of eligible purchases made on the account in this category between January 1 and December 31 of each year. After that, the BONUSDOLLARS rate for the Other purchases category will apply for the remainder of the current year.

Cash back is calculated as a percentage of the purchases made with the card. Merchandise returns, cash advances, equal payment cash advances, RRSP cash advances, promotional and regular cheques, in-store Accord D financing, interest charges, purchases of foreign currency, electronic funds transfers, money orders and any type of purchase made in a casino do not earn cash back.

The 2% Cash Back rate will be applied to the first $3,600 of eligible purchases made on the account in this category between January 1 and December 31 of each year. After that, the Cash Back rate for the Other purchases category will apply for the remainder of the current year.

You're also eligible if the value of your assets under management is more than $400,000. Examples of assets to include: RRSPs, TFSAs, bank accounts, investments, cottages and rental properties. Examples of assets to exclude: Cars, boats, artwork and primary residence.

Eligibility requirements: Must have an eligible account. The primary cardholder must be a member of a caisse affiliated with the Fédération des caisses Desjardins du Québec or the Caisse Desjardins Ontario Credit Union Inc. Non-members have to pay for additional cards: $30 for the Odyssey Gold Visa and Cash Back World Elite Mastercard, $40 for the Odyssey World Elite Mastercard and $95 for the Odyssey Visa Infinite Privilege.

Each installment is added to your minimum payment due and must be paid in full each month. If you don't make the minimum credit card payment, your card's interest rate will apply to the monthly payment.

The 2% BONUSDOLLARS rate will be applied to the first $3,600 of eligible purchases made on the account in this category between January 1 and December 31 of each year. After that, the BONUSDOLLARS rate for the Other purchases category will apply for the remainder of the current year.

The 4% Cash Back rate will be applied to the first $10,000 of eligible purchases made on the account in this category between January 1 and December 31 of each year. After that, the Cash Back rate for the Other purchases category will apply for the remainder of the current year.

The 3% Cash Back rate will be applied to the first $6,000 of eligible purchases made on the account in this category between January 1 and December 31 of each year. After that, the Cash Back rate for the Other purchases category will apply for the remainder of the current year.

You have 21 days from the date the monthly statement is issued to pay the full balance on your account without interest, except on cash advances. The minimum payment is 5% of the following: your outstanding balance, interest on purchases and monthly installments that were not paid by the due date for the previous period, regular purchases and cash advances from the current statement period, plus interest on cash advances. This amount will also include any other amounts due under your credit card contract. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 11.9% and your average daily outstanding balance is $100, you'd be charged $0.98 in interest. If it's $500, you'd be charged $4.89 in interest, and if it's $1,000 you'd be charged $9.78 in interest. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 12.9% and your average daily outstanding balance is $100, you'd be charged $1.06 in interest. If it's $500, you'd be charged $5.30 in interest, and if it's $1,000 you'd be charged $10.60 in interest.

The 3% BONUSDOLLARS rate will be applied to the first $25,000 of eligible purchases made on the account in this category between January 1 and December 31 of each year. After that, the BONUSDOLLARS rate for the Other purchases category will apply for the remainder of the current year.