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Desjardins Bonus Visa* Credit Card

Desjardins Bonus Visa* Credit Card

DesjardinsBonidollars Desjardins
Apply Now

on Desjardins's website

Annual Fee
$0
Welcome Bonus
—
Bonus Value
—
Estimated value
1st Year Value
$203

Pros & Cons

Pros

  • +Purchase protection included
  • +Travel medical insurance included
  • +No annual fee

Cons

  • –Foreign Transaction Fee (2.5%)

Our Review

The Desjardins Bonus Visa* Credit Card is a credit card with no annual fee.

With this card, you can earn:

  • 2% in BONUSDOLLARS on purchases in the Restaurant and Automatic Withdrawal categories (up to $3,600 in purchases per year – beyond that, the earning rate decreases to 0.5%)
  • 2% in BONUSDOLLARS on purchases in the Entertainment and Public Transportation categories
  • 0.5% in BONUSDOLLARS on all other purchases

In addition, this card offers several purchase insurance benefits:

  • 90 days purchase insurance
  • One year extended warranty
  • Mobile Device Insurance

Rewards

All Spending

0.5x

Bonidollars Desjardins pts per dollar

Transit

2x

Entertainment

2x

Restaurants

2x

Recurring

2x

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢3¢
Groceries0.5x
$700/month
Gas & EV0.5x
$200/month
Transit2x
$100/month
Restaurants2x
$300/month
Pharmacy0.5x
$50/month
Travel0.5x
$150/month
Bills & recurring payments2x
$250/month
Telecom0.5x
$150/month
Entertainment & streaming2x
$100/month
Office supplies0.5x
$0/month
All other spending0.5x
$500/month

Points Earned

28,500

Bonidollars Desjardins/yr

Estimated Value

$285

After Fees

+$285

1st Year Value

$285

incl. welcome bonus

Annual rewards breakdown

Groceries$8,400/yr × 0.5x4,200 pts
Gas & EV$2,400/yr × 0.5x1,200 pts
Transit$1,200/yr × 2x2,400 pts
Restaurants$3,600/yr × 2x7,200 pts
Pharmacy$600/yr × 0.5x300 pts
Travel$1,800/yr × 0.5x900 pts
Bills & recurring payments$3,000/yr × 2x6,000 pts
Telecom$1,800/yr × 0.5x900 pts
Entertainment & streaming$1,200/yr × 2x2,400 pts
All other spending$6,000/yr × 0.5x3,000 pts
Total annual spend$30,000
Monthly spend$2,500
Average earn rate on spend per year0.95x
Total points earned28,500 pts
Value of accumulated points≈ $285

Travel Insurance

✓

Travel Medical

Up to $5,000,000 / 3 days

✓

Trip Cancellation

Up to $500

✓

Trip Interruption

Up to $1,000

✓

Delayed Baggage

Up to $500

✓

Lost Baggage

Up to $500

Purchase Protection

✓

Purchase Protection

Included

✓

Extended Warranty

+1 year(s)

✓

Mobile Device

Up to $1,000

Interest Rates

  • Purchase Rate
    20.9%
  • Cash Advance
    21.9%
  • Foreign Transaction Fee
    2.5%

Terms & Conditions

Card Features

  • 2% in BONUSDOLLARS on purchases in the Restaurant and Automatic Withdrawal categories (up to $3,600 in purchases per year – beyond that, the earning rate decreases to 0.5%)
  • 2% in BONUSDOLLARS on purchases in the Entertainment and Public Transportation categories
  • 0.5% in BONUSDOLLARS on all other purchases

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. François Charron may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Desjardins. All trademarks are property of their respective owners.