Published 03/24/2026 Updated 03/24/2026 | BeCred

Cash Back Visa Desjardins

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La Cash Back Visa Desjardins Group est une carte de cashback raisonnable et cohérente pour ceux qui veulent gagner de l’argent sur leurs achats du quotidien, surtout dans des catégories comme l’épicerie et le carburant. Ses assurances de base ajoutent une valeur appréciable, et le service client semble globalement solide.

HOW TO APPLY

Pour qui cette carte est probablement un bon match

La Cash Back Visa Desjardins Group s’adresse surtout aux profils qui veulent une carte :

simple à utiliser et facile à comprendre;
utile sur les dépenses courantes (épicerie, carburant, paiements récurrents);
avec des assurances de base pour les achats et les voyages;
capable de générer un cashback sans exiger une stratégie complexe.

HOW TO APPLY

Credit card approval in Canada typically depends on your credit score, income, existing debts, and credit history. Lenders review your financial profile to determine whether you qualify and what credit limit they can offer.

Many basic credit cards can be approved with a score around 600 or higher. Premium cards may require a stronger score, often above 700. Some secured credit cards are available for people with little or no credit history.

Yes. Many Canadian banks offer special credit card programs for newcomers who may not yet have a Canadian credit history. These programs often include starter credit limits to help build credit over time.

You can build your credit score by paying your balance on time every month, keeping your credit utilization low, and avoiding missed payments. Responsible use over time helps strengthen your credit profile.

Paying the minimum keeps your account in good standing, but interest will continue to accumulate on the remaining balance. Over time this can increase the total amount you pay for your purchases.

Some credit cards charge annual fees in exchange for rewards, travel benefits, or higher credit limits. However, many Canadian banks also offer no-fee credit cards with basic features and cashback options.

CREDIT CARD

Discover the PC Financial Mastercard

Earn PC Optimum™ points on everyday purchases like groceries and fuel. Apply for the PC Financial Mastercard and start earning rewards wherever you shop.

APPLY NOW * You will remain on the current website

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