No Annual Fee
Rewards
Bonus Visa*
Desjardins Group
Annual Fee
$0
Purchase APR
20.90%
Cash Advance
21.90%
RateBuddy Verdict
The Good
- Offers a solid 2% return in BONUSDOLLARS on entertainment, transit, dining, and bills.
- Includes Mobile Device Insurance up to $1,000, which is exceptionally rare for a $0 fee rewards card.
- BONUSDOLLARS are easy to understand with a straightforward 1:1 redemption value ($1 = 1 BONUSDOLLAR).
The Trade-offs
- The 2% rate for restaurants and recurring bills is strictly capped at a very low $3,600 annual spend combined.
- Base rewards rate on non-category purchases is poor at only 0.5%.
- The 3-day travel medical insurance is generally too short for standard vacations.
Rewards & Earnings
Dining
2%
Recurring Bills
2%
Base Rate
0.50%
Rewards Summary:
• Earn 2% in BONUSDOLLARS on Entertainment and Alternative transportation
• Earn up to 2% in BONUSDOLLARS on Restaurants and Pre-authorized payments (capped at $3,600 annual spend)
• Earn 0.5% in BONUSDOLLARS on all other purchases
Welcome Bonus Details
No welcome bonus details are currently listed for this card.
Features & Benefits
No Annual Fee
No annual fee
Travel Medical Insurance
Travel Medical (up to 3 days)
Mobile Device Insurance
Mobile Device Insurance (Up to $1,000)
Trip Cancellation/Interruption Insurance
Trip Cancellation included
Extended Warranty Insurance
Extended Warranty (Up to 1 extra year)
Purchase Security Insurance
Purchase Security (90 days)
Baggage Delay/Loss Insurance
Baggage Delay/Loss included
Insurance Coverage
• Travel Emergency Medical Insurance (up to 3 days)
• Trip Cancellation Insurance
• Baggage Coverage
• Mobile Device Insurance
• Purchase Protection (90 days)
• Extended Warranty (up to 1 additional year)
Rates, Fees & Eligibility
| Purchase APR | 20.90% |
|---|---|
| Cash Advance APR | 21.90% |
| Annual Fee | $0 |
| Supplementary Card Fee | $0 |
| Grace Period | 21 days |
| Income Required | No specific requirement listed. |
| Recommended Credit Score | — |
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Filed Under
No Annual Fee
Rewards
View Offer
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