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Desjardins

Desjardins Bonus Visa

Full earn rates, fees and benefits for the Desjardins Bonus Visa.

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Annual fee
$0
Reward type
Cash Back
Typical credit · 580+
Desjardins Bonus Visa💰 BONUSDOLLARS

How you earn

  • Up to 2% BONUSDOLLARS on eligible purchases (category-based)
  • 2% on Entertainment purchases
  • Up to 2% on Restaurants (subject to annual cap)
  • Up to 2% on Pre-authorized payments (subject to annual cap)
  • 2% on Alternative transportation purchases
  • 0.5% on all other purchases
  • BONUSDOLLARS are redeemable at 1 BONUSDOLLAR = $1 CAD equivalent value

Built-in perks & coverage

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.

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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.

The verdict

What we like

  • No annual fee
  • Strong 2% category earn rate on everyday spending segments
  • Simple cashback-style BONUSDOLLARS redemption (1:1 CAD value)
  • Useful insurance package for entry-tier card (travel, purchase protection, mobile device)
  • Good for recurring payments via pre-authorized 2% category
  • Wide acceptance through Visa network

Worth noting

  • Low base earn rate of 0.5% outside bonus categories
  • Annual $3,600 cap limits high-spend optimization
  • No welcome bonus or signup incentive
  • Foreign transaction fee applies (~2.5%)
  • Limited premium travel perks compared to higher-tier Visa cards
  • Rewards structure is MCC-dependent, which can reduce consistency

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