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Canada · personal card · Desjardins

Cash Back Visa review

Earn up to 2% cash back on restaurants, entertainment, alternative transportation and pre-authorized payments, and 0.5% on other purchases.

By · Card data read October 7, 2026 · How we rank Canadian cards

Apply on issuer siteTerms apply
Cash Back Visa

Key facts

Issuer
Desjardins
Network
Visa
Annual fee
$0
Purchase rate
20.9%
Cash advance rate
21.9%
Foreign transaction fee
2.5%
Minimum personal income
Not stated
Minimum household income
Not stated
Available in Quebec
Not stated
Insurance
Travel insurance for trips up to 3 days (emergency healthcare up to $5M, trip cancellation, baggage); Auto rental collision/loss damage; Mobile device
Est. net value / yr
$204 ($204 rewards − $0 fee)

Rewards

Earn up to 2% cash back on restaurants, entertainment, alternative transportation and pre-authorized payments, and 0.5% on other purchases.

Earn rates the issuer states: base 0.5% · dining 2%. 2% categories capped at first $3,600 annual purchases in restaurants and pre-authorized payments, then 0.5%; credited at $25

How we put this page together

Every figure here was read on Desjardins’s own page on October 7, 2026; fields the page did not state are shown as “not stated” rather than estimated. The net value estimate uses the method on our Canada methodology. Card rules and your rights as a cardholder: FCAC. Note: FX fee not stated on page. Insurance names as listed on page. FX fee read on issuer document: https://www.desjardins.com/en/credit-cards/faq/travel.html

Frequently asked questions

What is the annual fee on the Cash Back Visa?

$0, as read on Desjardins’s website on October 7, 2026.

Is there a foreign transaction fee on the Cash Back Visa?

The issuer states a 2.5% foreign currency conversion fee.

What income do I need for the Cash Back Visa?

The issuer’s page did not state a minimum income when we read it.

More Desjardins cards

  1. #1

    Bonus Visa Desjardins

    Net $204/yr

    Earn up to 2% of purchases in BONUSDOLLARS on restaurants, entertainment, alternative transportation and pre-authorized payments, and 0.5% on other purchases; 1 BONUSDOLLAR = $1.

    Earn: base 0.5% · dining 2%

    Annual fee
    $0
    Est. net value / yr
    $204
    Purchase rate
    20.9%
    Foreign transaction fee
    2.5%
    Apply on issuer siteCard detailsRead October 7, 2026
  2. #2

    Cash Back Mastercard Desjardins

    Net $204/yr

    Earn up to 2% cash back on restaurants, entertainment, alternative transportation and pre-authorized payments, and 0.5% on other purchases.

    Earn: base 0.5% · dining 2%

    Annual fee
    $0
    Est. net value / yr
    $204
    Purchase rate
    20.9%
    Foreign transaction fee
    2.5%
    Apply on issuer siteCard detailsRead October 7, 2026
  3. #3

    Cash Back World Elite Mastercard Desjardins

    Net $524/yr

    Earn up to 4% cash back on groceries, up to 3% on restaurants, 3% on entertainment and alternative transportation, and 1% on other purchases.

    Earn: base 1% · groceries 4% · dining 3%

    Annual fee
    $100
    Est. net value / yr
    $524
    Purchase rate
    20.9%
    Foreign transaction fee
    2.5%
    Apply on issuer siteCard detailsRead October 7, 2026
  4. #4

    Flexi Visa Desjardins

    No-annual-fee low-rate card: 10.9% on purchases and 12.9% on cash advances; no rewards.

    Annual fee
    $0
    Purchase rate
    10.9%
    Foreign transaction fee
    2.5%
    Apply on issuer siteCard detailsRead October 7, 2026

Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.