Independent ClearFin review · Desjardins
Full earn rates, fees and benefits for the Desjardins Bonus Visa.
Offers can change without notice
Confirm with the issuer
💰 BONUSDOLLARSIts strongest published earn rate in our data is 2.0% on dining. With no annual fee, it can be easier to keep long term without needing rewards to offset a yearly cost.
Checked 2026-08-09 · Official issuer catalogueIssuer promotions change frequently. Check the card's official page before applying.
Confirm final approval criteria and current rates directly with the issuer.
Approval is based on standard credit underwriting rather than a fixed published score. Applicants are typically evaluated on credit history, existing debt load, repayment behavior, and overall financial profile.
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. This is a no-annual-fee, mass-market Visa product, typically accessible to users with limited to moderate credit history, subject to issuer approval criteria.
Reward limits: 2% bonus earn rates apply only up to an annual spending cap on select categories. After the cap is reached, all eligible purchases earn the base rate of 0.5%. The cap applies per calendar year based on merchant category classification.
Earning cap
Redemption values and availability may vary by option and can change.
Redeem earned cash rewards using the issuer's available cash-back or statement-credit options.
Minimum redemption amounts, automatic payout timing, and eligible account credits vary by issuer; confirm the current program terms before applying.
Consider these extras by the value they add to purchases and experiences you already use.
Travel insurance (short trips)
Emergency travel insurance coverage for trips up to 3 days when eligible travel expenses are charged to the card.
Emergency medical coverage
Up to $5 million per insured person for eligible emergency healthcare during covered trips (short duration coverage conditions apply).
Trip cancellation and interruption coverage
Reimbursement for eligible trip cancellation or interruption expenses up to specified limits when travel is purchased with the card.
Baggage protection
Coverage for lost, stolen, or delayed baggage up to defined limits per insured person during covered travel.
Mobile device insurance
Up to $1,000 coverage for eligible mobile devices purchased with the card against theft, loss, accidental damage, or mechanical failure.
Purchase protection
90-day protection against loss or damage for eligible items purchased with the card.
Extended warranty
Automatically extends manufacturer warranty by up to one additional year on eligible purchases.
Car rental discounts
Discounts up to 15% with Hertz and up to 10% with Dollar and Thrifty when booking with the card.
Fraud protection
Zero liability protection for unauthorized transactions plus fraud monitoring alerts and identity protection support.
Flexible payment options
Option to finance eligible purchases of $200+ in installments and access cash advances up to approved limits.
No included coverage is verified in ClearFin's current catalogue.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
Up to 2% in BONUSDOLLARS on restaurants, entertainment, alternative transport & pre-auth payments. 0.5% else.
Dining, Travel receive the strongest estimated return at 2.0%. Purchases outside the accelerated categories earn an estimated 0.50%.
There is no annual fee to recover, which can make the card easier to keep for credit-history length or occasional use. Interest and other transaction fees can still apply.
This card is most relevant for someone who spends consistently on dining and travel and prefers to avoid a yearly fee.
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.
