Highlights
- No annual fee on the primary card or supplementary cards.
- Up to 2% on selected spend.
- Includes travel insurance for trips of up to 3 days, plus mobile-device insurance and purchase protection.
Issuer: Desjardins
Network: Visa
Card type: Credit card
Annual fee: Free on the primary card and supplementary cards
Welcome offer
【September 7, 2026 update】 None
Everyday spending
2%: restaurants, entertainment, and alternative transportation. Restaurant and pre-authorized-payment categories earn 2% on the first $3,600 of eligible spend each year, then 0.5% for the rest of that year.
0.5%: pre-authorized payments after that annual cap, plus other eligible purchases. Returns, cash advances, cheques, Accord D financing, interest, foreign-currency purchases, electronic transfers, money orders, and casino transactions do not earn. The merchant MCC determines the category.
Benefits and insurance
- Car rentals and account features
Hertz offers up to 15% off the base rental rate, and Thrifty and Dollar offer up to 10%. At participating locations you can waive the young-driver fee and one additional-driver fee. Cash advances are up to $2,500 a day at a 21.9% annual rate, with interest from the transaction date. The purchase rate is 20.9%; pay the full balance within 21 days after the statement date and you can avoid purchase interest.
Travel-related insurance
Official insurance certificate 🔗
- 3-day travel coverage
Coverage is for a maximum of 3 days. Both the departure and return days count as full days, and a longer trip is not covered at all. The cardholder and eligible family members travelling for the entire trip must live in Canada at least six months a year; emergency health coverage also requires provincial health insurance. Emergency health care is up to $5,000,000 per person per trip (age 75 and under). Trip cancellation and modification are up to $500 and $1,000 respectively, and eligible costs must be charged to this card. Baggage is up to $500, and travel accident coverage is up to $10,000. The card must be activated and the account cannot be more than 90 days past due. Unstable pre-existing conditions are restricted, and claims must be filed within 90 days of the incident.
Purchase-related insurance
- Mobile device, purchase protection, and extended warranty
A new phone paid in full with this card, or an eligible phone whose down payment and all monthly contract payments are charged to this card, can be covered up to $1,000 after depreciation and the deductible, with a maximum of one claim every 12 months. New personal items paid in full that are lost, stolen, or damaged within 90 days can be repaired or replaced, up to $10,000 per item and $50,000 lifetime per account. Cash, perishables, motor vehicles, normal wear, and business use are not covered. Eligible new items with an original warranty of five years or less can get up to one extra year. Get insurer approval before a repair or replacement.
