Desjardins's flagship card pairs elite-tier earn rates and 60-day travel coverage with a rare sub-12% interest rate, though the rewards currency and lounge network skew heavily toward Quebec residents.
At a glance
Annual fee
$295
Foreign tx fee
2.5%
Network
VISA
Rewards
points
Purchase APR
11.9%
Rewards & earn rates
Restaurants
4x
Entertainment
4x
Alternative transportation
4x
Groceries
3x
Travel3% in BONUSDOLLARS on the first $25,000 in annual travel purchases, then 1.5%
3x
All other purchases
1.5x
Pros & cons
Pros
4% back on dining, entertainment and transit with a strong 1.5% base
60-day travel insurance plus 18 combined lounge visits per year
Premium card with an exceptionally low 11.9% interest rate
Cons
Steep $150,000 personal income requirement
BONUSDOLLARS lack the flexibility of transferable points
$395 fee if you're not a Desjardins member
Perks & insurance
Key perks
Low 11.9% purchase interest rate, unusual for a premium card
12 free Desjardins Odyssey Lounge passes per year at Montreal-Trudeau airport
Visa Airport Companion membership with 6 complimentary lounge visits per year
24/7 Visa Infinite Privilege Concierge and Luxury Hotel Collection benefits
Comprehensive travel insurance for trips up to 60 consecutive days
Car rental discounts at Hertz (up to 25%), Thrifty and Dollar
Insurance
Travel emergency medical up to $5M per person (up to 60 days, age-dependent)
Trip cancellation ($2,500 before departure, unlimited after departure)
Baggage insurance up to $2,500 per person ($1,000 if delayed 4+ hours)
Auto rental collision/loss damage (up to 48 days)
Mobile device insurance up to $1,500
Purchase protection (180 days) and extended warranty (triples, up to +2 years)
Rates & fees
Annual fee
$295
Purchase interest
11.9%
Cash advance
12.9%
Foreign transactions
2.5%
Min. personal income
$150,000
$295 for Desjardins members; $395 for non-members.
Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team
