Cash Back Mastercard®
Cash Back No Annual Fee

Cash Back Mastercard®

Desjardins Group Desjardins Group
Annual Fee $0
Purchase APR 20.90%
Cash Advance 21.90%

RateBuddy Verdict

The Good
  • Offers 2% cash back on excellent everyday categories like entertainment, transit, dining, and bills.
  • Includes Mobile Device Insurance up to $1,000, which is exceptionally rare for a $0 fee card.
  • Charges absolutely no annual fee and automatically credits your account when you hit $25 in rewards.
The Trade-offs
  • The 2% rate for restaurants and recurring bills is strictly capped at a low $3,600 annual spend combined.
  • Base cash back rate on non-category purchases is 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: • 2% cash back on Entertainment and Alternative transportation • Up to 2% cash back on Restaurants and Pre-authorized payments (capped at $3,600 annual spend) • 0.5% cash back 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 APR20.90%
Cash Advance APR21.90%
Annual Fee$0
Supplementary Card Fee$0
Grace Period21 days
Income Required No specific requirement listed.
Recommended Credit Score—

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Filed Under

Cash Back No Annual Fee
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