Cash Back
Travel Rewards
Balance Transfer
Cash Back World Elite® Mastercard®
Desjardins Group
Annual Fee
$100
Purchase APR
20.90%
Cash Adv. APR
21.90%
RateBuddy Verdict
The Good
- Excellent 4% cash back rate on groceries and 3% on dining/entertainment/transit.
- Includes premium perks like DragonPass lounge access and free global eSIM data plans.
- Upgraded insurance package featuring Car Rental CDW, $1,500 Mobile Device coverage, and 120-day purchase protection.
The Trade-offs
- Strict minimum income requirements ($80,000 personal or $150,000 household) to qualify.
- The 3-day travel medical insurance is noticeably short compared to competitor World Elite cards (which often offer 15-21 days).
- Grocery earn rate drops drastically to 1% after hitting a relatively low $10,000 annual cap.
Rewards & Earnings
Groceries 4.00%
Dining & Takeout 3.00%
Base Rate 1.00%
Rewards Summary: • Up to 4% cash back on Groceries (capped at $10,000 annual spend)
• Up to 3% cash back on Restaurants (capped at $6,000 annual spend)
• 3% cash back on Entertainment and Alternative transportation
• 1% cash back on all other purchases
- Groceries: Up to 4% cash back (Subject to $10,000 annual cap, then drops to 1%)
- Restaurants: Up to 3% cash back (Subject to $6,000 annual cap, then drops to 1%)
- Entertainment: 3% cash back
- Alternative Transportation: 3% cash back
- Other Purchases: 1% cash back
Welcome Bonus Details
Features & Benefits
Travel Medical Insurance
Travel Medical (up to 3 days)
Introductory 0% APR on Balance Transfers
Airport Lounge Access (DragonPass)
Mobile Device Insurance
Mobile Device Insurance (Up to $1,500)
Car Rental Collision/Loss Damage Waiver
Car Rental CDW included (48 days)
Trip Cancellation/Interruption Insurance
Trip Cancellation included
Extended Warranty Insurance
Extended Warranty (Up to 2 extra years)
Purchase Security Insurance
Purchase Security (120 days)
Baggage Delay/Loss Insurance
Baggage Delay/Loss included
Additional Perks
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Insurance Coverage
Travel Medical
Up to $5 million per person for trips up to 3 days.
Auto Rental Collision
Covers up to 48 consecutive days in the event your rental car is damaged or stolen.
Trip Cancellation
Up to $500/person before departure, and up to $1,000/person after departure.
Baggage Coverage
Up to $500/person if baggage is lost, stolen, or delayed over 6 hours.
Mobile Device Insurance
Up to $1,500 to cover loss, theft, accidental damage, or mechanical failure.
Purchase Protection
Covers eligible items against loss or damage for 120 days from purchase.
Extended Warranty
Automatically doubles the manufacturer warranty for up to 2 additional years.
Rates & Fees Details
| Purchase APR | 20.90% |
|---|---|
| Cash Advance APR | 21.90% |
| Annual Fee | $100 |
| Supplementary Card | $30.00 |
| Income Required |
Personal: $80,000 Household: $150,000 |