"What cash back does the Desjardins Cash Back Visa earn?"

"The Desjardins Cash Back Visa earns cash back on eligible purchases, typically at elevated rates on everyday categories (groceries, gas, restaurants) and a base rate on all other purchases. Cash back is credited to your account or applied as a statement credit. As a no-annual-fee card, earn rates are more modest than on the Desjardins Cash Back World Mastercard. Verify current earn rates at desjardins.com — card terms change."

"Is the Desjardins Cash Back Visa available outside Quebec?"

"Desjardins is a Quebec-based cooperative and its credit card products are primarily available to Desjardins caisse populaire members in Quebec, with some availability through Ontario caisses. Outside Quebec, Desjardins membership and card availability is limited. Verify current geographic availability and membership requirements at desjardins.com."

"What is the difference between the Desjardins Cash Back Visa and the Desjardins Cash Back World Mastercard?"

"The Desjardins Cash Back Visa is the entry-level no-annual-fee option with more modest cash back earn rates. The Desjardins Cash Back World Mastercard ($0 or low annual fee) is the premium tier, offering higher cash back rates on grocery, gas, and restaurants, plus World Mastercard benefits including travel insurance. If you meet the World Mastercard income threshold ($80,000 individual / $150,000 household), the Cash Back World Mastercard delivers more value. Verify both card options at desjardins.com."

"How is Desjardins cash back paid out?"

"Desjardins cash back is typically paid as a statement credit against your Desjardins credit card balance, or credited to your Desjardins deposit account. Payment may be monthly or annual — verify the exact timing at desjardins.com. As with all Desjardins cooperative products, some portion of financial surplus may also be distributed to members as a ristourne (member rebate) separately from card cash back."

"Does the Desjardins Cash Back Visa have foreign transaction fees?"

"The standard Desjardins Cash Back Visa typically charges a foreign transaction fee on purchases made in foreign currencies — the standard 2.5% surcharge common to most Canadian credit cards. The premium Desjardins Odyssey World Elite Mastercard waives foreign transaction fees. If no-FX is important, consider the Odyssey World Elite or the Brim World Mastercard (no FX fee, $0 annual fee, Visa/Mastercard available nationally). Verify at desjardins.com."

Desjardins Cash Back Visa Review 2026: Is It Worth It in Canada?

The Desjardins Cash Back Visa is an entry-level no-annual-fee cash back credit card from Desjardins — available to caisse populaire members primarily in Quebec. It provides straightforward cash back on everyday spending (groceries, gas, dining, and other purchases) within the Desjardins cooperative ecosystem, serving as the cash back alternative to Desjardins’ Bonusdollars-based products.

Quebec / Desjardins members primarily. Membership in a Desjardins caisse populaire is required. Available primarily in Quebec with some Ontario coverage.

Quick Verdict

Best for: Desjardins members who prefer cash back (not Bonusdollars points) on their everyday spending, and want the simplicity of automatic cash back without engaging with a redemption portal.
Not ideal for: Those who qualify for the Desjardins Cash Back World Mastercard (higher earn rates, same or comparable fee); those outside Quebec without Desjardins membership; or those who want the highest cash back rates nationally.

Key Card Details

Feature	Detail
Annual fee	$0
Additional cardholder fee	Verify at desjardins.com
Purchase interest rate	Verify at desjardins.com
Cash advance rate	Verify at desjardins.com
Foreign transaction fee	2.5% (typical) — verify at desjardins.com
Income requirement	None for basic Visa
Membership required	Desjardins caisse populaire
Network	Visa
Rewards	Cash back
Availability	Quebec primarily; some Ontario caisses

Card terms, earn rates, and all features are subject to change. Verify all current details at desjardins.com before applying.

Earn Rates

Verify all current earn rates at desjardins.com.

Spending Category	Cash Back
Groceries	Elevated — verify at desjardins.com
Gas stations	Elevated — verify at desjardins.com
Restaurants	Elevated — verify at desjardins.com
All other eligible purchases	Base rate — verify at desjardins.com

Fees and Rates

Fee	Amount
Annual fee	$0
Purchase interest rate	Verify at desjardins.com
Cash advance rate	Verify at desjardins.com
Foreign transaction fee	Verify at desjardins.com (typically 2.5%)

Desjardins Card Comparison

Card	Annual Fee	Rewards	Income Required
Desjardins Cash Back Visa	$0	Cash back (entry rates)	None
Desjardins Bonus Visa	$0	Bonusdollars	None
Desjardins Cash Back World MC	$0–$130	Cash back (higher rates)	$80K (World MC)
Desjardins Odyssey WE MC	$130	Bonusdollars (highest) + no FX	$80K

Who Is the Desjardins Cash Back Visa Best For?

Ideal cardholders:

Desjardins members in Quebec who prefer cash back over points/Bonusdollars
Those who don’t meet the World Mastercard income threshold ($80K)
Members who want a no-fee, simple cash back Visa as a starter or supplementary card

Less suitable if:

You qualify for the Desjardins Cash Back World Mastercard — higher earn rates
You’re outside Quebec without Desjardins membership — national cards are more accessible
You want the highest cash back rates — BMO CashBack, Simplii Visa Infinite offer more

Bottom Line

The Desjardins Cash Back Visa fills a straightforward role: a no-annual-fee cash back Visa for Desjardins members who want simplicity without engaging with a points programme. For members spending $1,500+/month, the Desjardins Cash Back World Mastercard delivers better earn rates at the same or comparable cost.

Card terms, cash back earn rates, and features are subject to change. Verify all current details at desjardins.com before applying. Desjardins caisse populaire membership is required.