https://cardnorth.ca/credit-cards/desjardins/Recent content in Desjardins Credit Cards: Fees, Rates and Rewards of Each Card on CardNorthHugo -- gohugo.ioen-caThu, 12 Nov 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/desjardins/desjardins-cash-back-mastercard/Fri, 12 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/desjardins/desjardins-cash-back-mastercard/How cash back is paid Cash back isn’t paid once a year: each time $25 has been earned, a credit is applied to the card account automatically. Within 60 days of that credit, the cardholder can ask to receive it as a cheque instead, issued to the primary cardholder. Desjardins won’t issue the cheque if taking the cash back off the account would put the balance over the credit limit. Cash back can’t be transferred to another Desjardins cardholder’s account.https://cardnorth.ca/credit-cards/desjardins/desjardins-cash-back-world-elite-mastercard/Fri, 12 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/desjardins/desjardins-cash-back-world-elite-mastercard/How cash back is paid Cash back goes to the primary cardholder’s credit card account, and a credit is applied automatically each time $100 has been earned. Within 60 days of an automatic credit, the cardholder can ask to receive it as a cheque instead, unless removing it would put the balance over the credit limit. Cash back can’t be moved to another Desjardins cardholder’s account. After closing the account, the cardholder has 90 days to redeem cash back already earned, by applying for another Desjardins card with a Cash Back program.https://cardnorth.ca/credit-cards/desjardins/desjardins-flexi-visa/Fri, 12 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/desjardins/desjardins-flexi-visa/Interest and cash advances You have 25 days from the statement date to pay the full balance without interest, except on cash advances. Interest on a cash advance starts on the transaction date, and ATM withdrawals and balance transfers count as cash advances. Cash advances are capped at $5,000 a day, and the maximum depends on your credit limit. Purchases of $200 or more at participating merchants can be paid in equal installments, and a financing plan can carry a rate of up to 19.https://cardnorth.ca/credit-cards/desjardins/desjardins-odyssey-gold-visa/Fri, 12 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/desjardins/desjardins-odyssey-gold-visa/What counts in each category A purchase’s category comes from the merchant’s category code, set by Visa and Mastercard. Pre-authorized payments are automatic payments a service provider charges monthly or at another regular interval. A purchase that fits two categories earns the higher rate, and at equal rates it counts as a pre-authorized payment. The 2% on restaurants and on pre-authorized payments applies to the first $6,000 a year in that category, and on travel to the first $15,000, counted from January 1 to December 31.https://cardnorth.ca/credit-cards/desjardins/desjardins-bonus-visa/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/desjardins/desjardins-bonus-visa/Redeeming BONUSDOLLARS One BONUSDOLLAR is worth $1. They can pay for travel, alternative transportation, restaurant, entertainment and donation purchases, or go toward gift cards and Desjardins financial products and services. A purchase has to be paid with BONUSDOLLARS within 60 days of the purchase date. At least 20 BONUSDOLLARS must be redeemed at a time. They cannot be exchanged for cash, used as a payment on the card statement or used to pay annual fees.https://cardnorth.ca/credit-cards/desjardins/desjardins-cash-back-visa/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/desjardins/desjardins-cash-back-visa/How cash back is paid Desjardins deposits cash back to the main cardholder’s card account. Each time $25 has been earned, a credit is applied to the account automatically. The cardholder can ask to receive that credit as a cheque instead, within 60 days of it, and the cheque is issued to the primary cardholder. After closing the account, cash back already earned must be redeemed within 90 days. What counts in each category The restaurant category covers fast food outlets as well as other restaurants.https://cardnorth.ca/credit-cards/desjardins/desjardins-odyssey-visa-infinite-privilege/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/desjardins/desjardins-odyssey-visa-infinite-privilege/Using BONUSDOLLARS One BONUSDOLLAR equals one Canadian dollar. This is the only BONUSDOLLARS card that can use them to pay all or part of the balance. A purchase can be paid off with BONUSDOLLARS within 60 days of buying it, with at least 20 redeemed at a time, and they can’t be exchanged for cash. After one year with nothing earned or redeemed, the account is inactive and unused BONUSDOLLARS may expire, with at least 30 days’ notice.https://cardnorth.ca/credit-cards/desjardins/desjardins-odyssey-world-elite-mastercard/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/desjardins/desjardins-odyssey-world-elite-mastercard/What counts in each category A purchase’s category comes from the merchant’s category code, set by Visa and Mastercard, not from what you buy. Groceries means grocery stores, supermarkets, butchers, frozen food retailers, fish sellers and bakeries, and restaurants include fast food. Alternative transportation covers commuter transit, taxis, limousines, buses and public charging stations. Pre-authorized payments, such as subscriptions, earn 1% on this card. Each yearly cap counts purchases in its own category from January 1 to December 31, and after it that category earns the Other purchases rate for the rest of the year.