Canada · October 2026
Desjardins credit cards
11 cards, ranked by estimated net annual rewards value where the issuer states earn rates.
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%
Earn up to 3% of purchases in BONUSDOLLARS on groceries and restaurants, 2% on entertainment, transportation and travel, and 1% on other purchases.
Earn: base 1% · groceries 3% · dining 3% · travel 2%
- Annual fee
- $130
- Est. net value / yr
- $446
- Purchase rate
- 20.9%
- Foreign transaction fee
- 2.5%
Earn up to 4% of purchases in BONUSDOLLARS on restaurants, entertainment and alternative transportation, 3% on groceries, up to 3% on travel, and 1.5% on other purchases.
Earn: base 1.5% · groceries 3% · dining 4% · travel 3%
- Annual fee
- $295 ($295 for Desjardins members, $395 for non-members)
- Est. net value / yr
- $425
- Purchase rate
- 11.9%
- Foreign transaction fee
- 2.5%
Business card for annual spending between $500,000 and $750,000 with up to 1% cash back and interest at prime plus 8.5%.
Earn: base 1%
- Annual fee
- $25 ($25 per card)
- Est. net value / yr
- $275
- Purchase rate
- Prime + 8.5%
- Foreign transaction fee
- 2.5%
Low-interest card for small businesses with up to 1% cash back and interest at prime plus 8.5%.
Earn: base 1%
- Annual fee
- $60 (No annual fee for first year (promotional); then $60 per card, $40 per card if 5+ cards)
- Est. net value / yr
- $240
- Purchase rate
- Prime + 8.5%
- Foreign transaction fee
- 2.5%
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 2% of purchases in BONUSDOLLARS on restaurants, entertainment, transportation, pre-authorized payments and travel, and 0.65% on other purchases; comprehensive travel insurance up to 60 days.
Earn: base 0.65% · dining 2% · travel 2%
- Annual fee
- $110
- Est. net value / yr
- $182
- Purchase rate
- 20.9%
- Foreign transaction fee
- 2.5%
- #10
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%
- #11
Visa US Business Desjardins
U.S. dollar business card for paying U.S. suppliers without currency conversion fees; requires a Canadian Desjardins business credit card.
- Annual fee
- $30 (Annual fee US$30 per card)
- Purchase rate
- 19.4%
- Foreign transaction fee
- None
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.