Desjardins Cash Back Visa
$0 annual fee · Up to 2% cash back on restaurants, recurring payments and transit.
Up to 2% in four categories
2% on restaurants, pre-authorized payments, entertainment and alternative transportation, and 0.5% on all other purchases.
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Independent site, not Desjardins · $0 annual fee · Purchases 20.9% · Cash advances 21.9% · Representative example
How the Desjardins Cash Back Visa earns, and where the 2% stops
The Desjardins Cash Back Visa is a no-annual-fee card that pays 2% cash back in four categories: restaurants, pre-authorized payments, entertainment and alternative transportation, such as public transit. Every other purchase earns 0.5%. Desjardins also offers a Cash Back Mastercard with the same terms, so you can choose the network you prefer.
The 2% on restaurants and pre-authorized payments applies to the first $3,600 of eligible purchases per calendar year. After that, those purchases earn 0.5% until January. Desjardins’ own example: spending $200 a month at restaurants returns about $4 a month, or $48 a year.
Note that groceries are not a bonus category on this card, so if most of your spending is at the supermarket, compare it with cards that reward groceries. It is a better fit if your budget leans towards dining out, subscriptions and bills paid automatically, or transit.
Is this the Desjardins Odyssey card?
No. The Odyssey cards earn BONUSDOLLARS and have an annual fee ($110 to $395). The Cash Back Visa earns cash back and has no annual fee.
Do I need to be a Desjardins member?
Desjardins does not list membership as a requirement for this card, and its FAQ refers to cardholders who are not members. You must have reached the age of majority in your province or territory.
How is the cash back paid?
Your account is credited automatically each time you accumulate $25 in cash back.
Is there a fee on foreign purchases?
Yes. Desjardins’ cardholder agreement sets a 2.5% currency conversion charge on purchases in a foreign currency.
Can I apply if I live outside Quebec?
Desjardins publishes a separate cardholder agreement for residents outside Quebec. Check eligibility for your province on the official website before applying.
How to apply for the Desjardins Cash Back Visa
On Desjardins’ website, open the Cash Back Visa page and choose to apply. The form asks for your personal details, employment, gross income and housing costs.
Desjardins reviews your application and your credit report before deciding on approval and on your credit limit. Approval is not guaranteed.
Before you accept, read the disclosure statement with the interest rates, fees and grace period. Setting up automatic payment of the full balance helps you avoid interest and keeps the cash back worthwhile.
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Important information
BeCred is an independent information website. We are not Desjardins and we don’t act on its behalf, we don’t issue cards and we don’t charge for this information. Annual fee: $0 (additional cards $0). Interest: 20.9% on purchases, 21.9% on cash advances, 21-day grace period. Earn rates: 2% on restaurants, pre-authorized payments, entertainment and alternative transportation (2% on the first $3,600 a year in restaurants and pre-authorized payments), 0.5% on other purchases. Currency conversion charge: 2.5%. Approval depends on Desjardins’ review. Source: desjardins.com, consulted on 23/10/2026.
Representative example
If you carry a $1,000 purchase balance for 30 days at 20.9% a year, the interest is about $17.18 (1,000 × 20.9% × 30 ÷ 365). If you pay your full statement balance within the grace period, you pay no interest on new purchases. Illustrative calculation by BeCred with the rate published by Desjardins.