Skip to main content

Desjardins Credit Cards: Fees, Rates and Rewards of Each Card

Updated

Desjardins’ credit cards include the Odyssey Visa Infinite Privilege, Odyssey World Elite Mastercard, Odyssey Gold Visa and Bonus Visa, which earn BONUSDOLLARS; the Cash Back Visa, Cash Back Mastercard and Cash Back World Elite Mastercard; and the Flexi Visa.

What does each Desjardins credit card cost and earn?

Desjardins' credit cards, from our verified records
CardAnnual feeEarn rateMinimum incomePurchase rateForeign transaction fee
Desjardins Cash Back World Elite Mastercard$1004% cash back on groceries (first $10,000 a year) and 3% on restaurants (first $6,000 a year), 3% on entertainment, transit and EV charging, 1% on everything else$80,000 personal or $150,000 household20.9%2.5%
Desjardins Odyssey World Elite Mastercard$1303% in BONUSDOLLARS on groceries (first $10,000 a year) and restaurants (first $6,000), 2% on travel (first $20,000), entertainment, transit and EV charging, 1% on everything else$80,000 personal or $150,000 household20.9%2.5%
Desjardins Odyssey Visa Infinite Privilege$395 ($295 for Desjardins members)4% in BONUSDOLLARS on restaurants, entertainment, transit and EV charging, 3% on groceries and on travel (first $25,000 of travel a year), 1.5% on everything else$150,000 personal or $200,000 household11.9%2.5%
Desjardins Bonus Visa$02% in BONUSDOLLARS on restaurants and pre-authorized payments (first $3,600 a year in each), 2% on entertainment and alternative transportation including public EV charging, 0.5% on everything elseNone stated20.9%2.5%
Desjardins Cash Back Mastercard$02% on restaurants and pre-authorized payments (each capped at $3,600 a year), 2% on entertainment and alternative transportation including EV charging, 0.5% on everything elseNone stated20.9%2.5%
Desjardins Cash Back Visa$02% on restaurants and pre-authorized payments (each capped at $3,600 a year), 2% on entertainment and alternative transportation (transit, taxis, EV charging), 0.5% on everything elseNone stated20.9%2.5%
Desjardins Odyssey Gold Visa$1102% in BONUSDOLLARS on restaurants and pre-authorized payments (first $6,000 a year each), travel (first $15,000 a year), entertainment and alternative transportation, 0.65% on everything elseNone stated20.9%2.5%
Desjardins Flexi Visa$0No rewardsNone stated10.9%2.5%

Each card’s fact sheet, linked from its name, has the full terms we checked. On the Odyssey Visa Infinite Privilege, Desjardins charges members a lower annual fee than non-members. The Cash Back World Mastercard is on Desjardins’ page of cards no longer open to new applicants.

How are BONUSDOLLARS and cash back paid?

  • BONUSDOLLARS cards: one BONUSDOLLAR equals one Canadian dollar.
  • Cash Back cards deposit the cash back to the primary cardholder’s credit card account, or in another way Desjardins allows.
  • The Flexi Visa has no annual fee and a low interest rate.

Which Desjardins card suits your spending?

Enter your monthly card spending to rank Desjardins' cards by dollars back a year after fees.

Your monthly spending
Add detail

Split a box into the kinds of spending cards treat differently. A blank line uses the typical household's share of its box (Statistics Canada); an amount you type comes out of its box, so nothing is counted twice.

How will you use your points?
Advanced: your own value per program

Cents per point. Leave blank to use the choice above. A value you type is your assumption, not ours.

Filters

Ranked by dollars back a year after fees, for your spending. Welcome offers, benefits and promoted cards never change the order.

  1. 1

    Desjardins Cash Back World Elite Mastercard

    $637a year after fees
    • $737 cash back a year
    • Fees $100
    • 1.89% back on spending
    • Travel medical
    • Trip cancellation
    • Trip interruption
    • Baggage
    • Rental car
    • Mobile device
    • +3 more

    Facts checked Nov 12, 2026 · Card details

  2. 2

    Desjardins Odyssey World Elite Mastercard

    $546a year after fees
    • $676 in BONUSDOLLARS a year
    • Fees $130
    • 1.74% back on spending
    • Travel medical
    • Trip cancellation
    • Trip interruption
    • Baggage
    • Rental car
    • Mobile device
    • +4 more

    Facts checked Nov 12, 2026 · Card details

  3. 3

    Desjardins Odyssey Visa Infinite Privilege

    $480a year after fees
    • $875 in BONUSDOLLARS a year
    • Fees $395
    • 2.25% back on spending
    • Travel medical
    • Trip cancellation
    • Trip interruption
    • Baggage
    • Rental car
    • Mobile device
    • +4 more

    Facts checked Nov 12, 2026 · Card details

  4. 4

    Desjardins Bonus Visa

    $310a year after fees
    • $310 in BONUSDOLLARS a year
    • Fees $0
    • 0.80% back on spending
    • Travel medical
    • Trip cancellation
    • Trip interruption
    • Baggage
    • Mobile device
    • Purchase protection
    • +1 more

    Facts checked Nov 12, 2026 · Card details

  5. 5

    Desjardins Cash Back Mastercard

    $310a year after fees
    • $310 cash back a year
    • Fees $0
    • 0.80% back on spending
    • Travel medical
    • Trip cancellation
    • Trip interruption
    • Baggage
    • Mobile device
    • Purchase protection
    • +1 more

    Facts checked Nov 12, 2026 · Card details

  6. 6

    Desjardins Cash Back Visa

    $310a year after fees
    • $310 cash back a year
    • Fees $0
    • 0.80% back on spending
    • Travel medical
    • Trip cancellation
    • Trip interruption
    • Baggage
    • Mobile device
    • Purchase protection
    • +1 more

    Facts checked Nov 12, 2026 · Card details

  7. 7

    Desjardins Odyssey Gold Visa

    $292a year after fees
    • $402 in BONUSDOLLARS a year
    • Fees $110
    • 1.03% back on spending
    • Travel medical
    • Trip cancellation
    • Trip interruption
    • Baggage
    • Rental car
    • Mobile device
    • +2 more

    Facts checked Nov 12, 2026 · Card details

  8. 8

    Desjardins Flexi Visa

    $0a year after fees
    • Fees $0
    • Travel medical
    • Trip cancellation
    • Trip interruption
    • Baggage
    • Mobile device
    • Purchase protection
    • +1 more

    Facts checked Nov 12, 2026 · Card details

Not ranked:

  • Desjardins Cash Back World Mastercard: closed.

Where do Desjardins cardholders log in?

Desjardins’ credit cards page links to the AccèsD login, and Desjardins has updated its credit card management system.

Compare Desjardins's cards with all 162 cards we've checked, from 24 banks, in the card finder

Sources

The figures and rules on this page come from these sources. About CardNorth.