Canada · business card · Desjardins
Visa Business review
Low-interest card for small businesses with up to 1% cash back and interest at prime plus 8.5%.
Key facts
- Issuer
- Desjardins
- Network
- Visa
- Annual fee
- $60 (No annual fee for first year (promotional); then $60 per card, $40 per card if 5+ cards)
- Purchase rate
- Prime + 8.5%
- Foreign transaction fee
- 2.5%
- Minimum personal income
- Not stated
- Minimum household income
- Not stated
- Available in Quebec
- Not stated
- Est. net value / yr
- $240 ($300 rewards − $60 fee)
Rewards
Low-interest card for small businesses with up to 1% cash back and interest at prime plus 8.5%.
Earn rates the issuer states: base 1%. 1% on $12,000 to $500,000 annual purchases
Perks
Hertz, Thrifty and Dollar rental discounts
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/content/dam/pdf/en/business/credit-cards/terms-conditions-business-card-on.pdf
Frequently asked questions
What is the annual fee on the Visa Business?
$60 (No annual fee for first year (promotional); then $60 per card, $40 per card if 5+ cards), as read on Desjardins’s website on October 7, 2026.
Is there a foreign transaction fee on the Visa Business?
The issuer states a 2.5% foreign currency conversion fee.
What income do I need for the Visa Business?
The issuer’s page did not state a minimum income when we read it.
More Desjardins cards
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%
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%
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%
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%
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.